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Market Price

48.01 

1.76 3.8%

as of Oct 18 '19

52 Week Range:

37.39 50.77


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Western Alliance Bancorporation operates as the holding company for Western Alliance Bank that provides various banking products and related services primarily in Arizona, California, and Nevada. The company offers deposit products, including checking accounts, savings accounts, and money market accounts, as well as fixed-rate and fixed maturity certificates of deposit accounts. It also offers commercial and industrial loan products, such as working capital lines of credit, inventory and accounts receivable lines, mortgage warehouse lines, equipment loans and leases, and other commercial loans; commercial real estate loans, which are secured by multi-family residential properties, professional offices, industrial facilities, retail centers, hotels, and other commercial properties; construction and land development loans for single family and multi-family residential projects, industrial/warehouse properties, office buildings, retail centers, medical office facilities, and residential lot developments; and consumer loans. In addition, the company provides other financial services, such as Internet banking, wire transfers, electronic bill payment and presentment, lock box services, courier, and cash management services. Further, it holds certain investment securities, municipal and non-profit loans, and leases; invests primarily in low income housing tax credits and small business investment corporations; and holds certain real estate loans and related securities. As of December 31, 2018, the company operated 38 branch locations and 11 loan production offices. Western Alliance Bancorporation was founded in 1994 and is headquartered in Phoenix, Arizona.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 9.60
6.18
5.77
5.96
7.15
7.86
9.72
14.68
17.68
20.34
23.71
growth rate -35.6% -6.6% 3.3% 20.0% 9.9% 23.7% 51.0% 20.4% 15.1% 16.6%
Earnings BIT -290.41
-193.01
-10.58
50.34
99.29
140.64
208.97
269.31
374.75
470.70
growth rate 0.0% 0.0% 100.0% 97.2% 41.7% 48.6% 28.9% 39.2% 25.6%
Avg.PE -1.70
-2.30
-35.10
29.67
12.21
18.08
17.03
14.68
20.78
19.43
10.72
growth rate 0.0% 0.0% 100.0% -58.9% 48.1% -5.8% -13.8% 41.6% -6.5% -44.8%
ROA -4.63
-2.93
-0.29
0.23
0.95
1.34
1.47
1.56
1.65
1.73
2.01
growth rate 0.0% 0.0% 100.0% 313.0% 41.1% 9.7% 6.1% 5.8% 4.9% 16.2%
ROE -54.49
-39.40
-3.72
3.16
12.39
16.97
17.82
15.34
14.92
15.80
18.00
growth rate 0.0% 0.0% 100.0% 292.1% 37.0% 5.0% -13.9% -2.7% 5.9% 13.9%
ROIC -13.66
-12.23
2.56
5.88
9.74
15.07
13.86
growth rate 0.0% 100.0% 129.7% 65.7% 54.7% -8.0%
Leverage 14.16
12.85
13.14
13.81
12.32
13.03
11.39
8.97
9.09
9.12
8.84
growth rate -9.3% 2.3% 5.1% -10.8% 5.8% -12.6% -21.3% 1.3% 0.3% -3.1%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 1.30
1.40
growth rate 7.7%
Acct.Payable 8,931.04
12,030.62
14,549.86
16,972.53
19,177.45
growth rate 34.7% 20.9% 16.7% 13.0%
Cur.Assets 221.55
295.96
362.80
449.42
518.38
growth rate 33.6% 22.6% 23.9% 15.3%
Total Assets 5,242.80
5,753.30
6,193.90
6,844.54
7,622.64
9,307.34
10,600.50
14,275.09
17,200.84
20,329.09
23,109.49
growth rate 9.7% 7.7% 10.5% 11.4% 22.1% 13.9% 34.7% 20.5% 18.2% 13.7%
Cash 139.30
393.40
215.80
1,645.50
1,441.27
1,964.88
152.80
186.74
240.79
311.27
352.67
growth rate 182.4% -45.1% 662.5% -12.4% 36.3% -92.2% 22.2% 28.9% 29.3% 13.3%
Inventory 57.15
43.94
47.82
28.54
17.92
growth rate -23.1% 8.8% -40.3% -37.2%
Cur.Liabilities 9,223.93
12,283.56
14,744.66
17,442.99
19,733.82
growth rate 33.2% 20.0% 18.3% 13.1%
Liabilities 4,747.30
5,177.60
5,591.70
6,207.86
6,863.02
8,451.84
9,599.57
12,683.59
15,309.31
18,099.39
20,495.75
growth rate 9.1% 8.0% 11.0% 10.6% 23.2% 13.6% 32.1% 20.7% 18.2% 13.2%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
250.53
210.33
367.94
376.91
360.46
growth rate 0.1% 0.1% 0.1% 0.1% 0.1% -87.6% -16.1% 74.9% 2.4% -4.4%
Equity 495.50
575.70
602.20
636.68
759.62
855.50
930.43
1,591.50
1,891.53
2,229.70
2,613.73
growth rate 16.2% 4.6% 5.7% 19.3% 12.6% 8.8% 71.1% 18.9% 17.9% 17.2%
Common Shares 33.00
59.00
75.00
81.00
83.00
87.00
88.00
0.01
0.01
0.01
0.01
growth rate 78.8% 27.1% 8.0% 2.5% 4.8% 1.2% -100.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 6.80
-5.00
-1.40
-1.10
8.55
18.87
13.93
10.86
10.57
8.86
11.31
growth rate -100.0% 0.0% 0.0% 100.0% 120.6% -26.2% -22.0% -2.6% -16.2% 27.7%
Cash Dividends 0.00
6.80
7.00
7.03
3.79
1.41
1.39
0.75
growth rate 2.9% 0.5% -46.1% -62.8% -1.6% -45.9%
Cash From OA 81.00
74.80
0.30
142.48
160.55
165.05
167.40
220.42
280.65
383.81
540.97
growth rate -7.7% -99.6% 47,391.7% 12.7% 2.8% 1.4% 31.7% 27.3% 36.8% 41.0%
FCF per Share 2.27
1.27
-0.45
2.36
1.25
1.22
1.39
0.69
1.94
0.53
4.74
growth rate -44.1% -100.0% 100.0% -47.0% -2.4% 13.9% -50.4% 181.2% -72.7% 794.3%
Sale Purchase of Stock 0.95
2.80
4.60
22.04
30.22
56.86
0.85
growth rate 195.9% 64.0% 379.7% 37.1% 88.1% -98.5%
FCF 74.00
75.00
-34.00
142.00
103.00
146.00
34.00
127.00
-3.00
375.00
530.00
growth rate 1.4% -100.0% 100.0% -27.5% 41.8% -76.7% 273.5% -100.0% 100.0% 41.3%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 77.90
206.70
279.40
331.05
364.80
384.85
405.32
519.23
692.13
812.76
936.00
growth rate 165.3% 35.2% 18.5% 10.2% 5.5% 5.3% 28.1% 33.3% 17.4% 15.2%
Op.Income -290.60
-185.40
-10.60
33.49
75.13
115.83
207.60
282.74
392.15
472.47
530.51
growth rate 0.0% 0.0% 100.0% 124.3% 54.2% 79.2% 36.2% 38.7% 20.5% 12.3%
IBT -279.51
-185.35
-10.58
50.34
101.06
145.66
197.50
258.54
361.18
451.82
510.33
growth rate 0.0% 0.0% 100.0% 100.8% 44.1% 35.6% 30.9% 39.7% 25.1% 13.0%
Net Income -236.50
-151.40
-7.20
33.49
75.13
115.83
147.95
194.24
259.80
325.49
435.79
growth rate 0.0% 0.0% 100.0% 124.3% 54.2% 27.7% 31.3% 33.8% 25.3% 33.9%
EPS -7.27
-2.74
-0.23
0.19
0.83
1.31
1.67
2.03
2.50
3.10
4.14
growth rate 0.0% 0.0% 100.0% 336.8% 57.8% 27.5% 21.6% 23.2% 24.0% 33.6%
Gross Profit 405.32
519.23
692.13
812.76
936.00
growth rate 28.1% 33.3% 17.4% 15.2%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT
growth rate
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable 1.40
1.30
1.40
1.40
1.50
growth rate -7.1% 7.7% 0.0% 7.1%
Acct.Payable 18,087.53
18,908.58
19,177.45
20,208.74
21,439.90
growth rate 4.5% 1.4% 5.4% 6.1%
Cur.Assets 536.36
723.66
518.38
805.45
1,088.53
growth rate 34.9% -28.4% 55.4% 35.2%
Total Assets 21,367.45
22,176.15
23,109.49
23,792.85
25,314.79
growth rate 3.8% 4.2% 3.0% 6.4%
Cash 506.82
700.56
352.67
785.61
1,067.71
growth rate 38.2% -49.7% 122.8% 35.9%
Inventory 27.54
20.03
17.92
17.71
17.71
growth rate -27.3% -10.5% -1.2% 0.0%
Cur.Liabilities 18,217.73
18,961.47
19,733.82
20,271.75
21,516.64
growth rate 4.1% 4.1% 2.7% 6.1%
Liabilities 18,975.77
19,687.75
20,495.75
21,072.23
22,463.52
growth rate 3.8% 4.1% 2.8% 6.6%
LT Debt 361.06
359.08
360.46
374.00
387.23
growth rate -0.6% 0.4% 3.8% 3.5%
Equity 2,391.68
2,488.39
2,613.73
2,720.62
2,851.26
growth rate 4.0% 5.0% 4.1% 4.8%
Common Shares 0.01
0.01
0.01
0.01
0.01
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 1.26
6.48
2.99
3.15
6.01
growth rate 414.5% -53.8% 5.3% 90.7%
Cash Dividends
growth rate
Cash From OA 159.04
148.93
144.69
151.31
178.97
growth rate -6.4% -2.8% 4.6% 18.3%
Sale Purchase of Stock 0.32
growth rate
FCF 157.78
142.44
141.70
148.16
172.95
growth rate -9.7% -0.5% 4.6% 16.7%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 232.55
232.46
251.12
259.25
261.90
growth rate 0.0% 8.0% 3.2% 1.0%
Op.Income 135.13
123.89
146.16
151.63
151.72
growth rate -8.3% 18.0% 3.7% 0.1%
IBT 130.00
118.62
140.00
146.33
147.69
growth rate -8.8% 18.0% 4.5% 0.9%
Net Income 104.68
111.12
119.09
120.80
122.94
growth rate 6.2% 7.2% 1.4% 1.8%
EPS
growth rate
Gross Profit 232.55
232.46
251.12
259.25
261.90
growth rate 0.0% 8.0% 3.2% 1.0%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

A (89.62)

YOY Growth Grade:

C (64.71)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 10.60 10.60 9.76
EPS / Growth 27.6% 4.53 12.5%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 20.9%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 12.5% 20.3% 20.3%
Future PE 9.76 10.32 20.34
Future EPS 14.71 28.82 28.82
Value Price
MOS %
35.47
-26.1%
73.52
53.1%
144.91
201.8%
MOS Price 17.74 36.76 72.46
IRT 6.59 5.52 5.52

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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