Western Alliance Bancorporation Q4 2025 Earnings Highlights
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 8h ago
0mins
Source: seekingalpha
- Significant Earnings Growth: Western Alliance reported Q4 2025 EPS of $2.59, a 33% year-over-year increase, reflecting strong momentum in loan and deposit growth, with projections of $6 billion in loan growth and $8 billion in deposit growth for 2026.
- Record Net Interest Income: The company achieved $2.9 billion in net interest income for 2025, with Q4 net interest income at $766 million, up $16 million from Q3, indicating sustained profitability in the current interest rate environment.
- Effective Cost Control: Noninterest expense growth was limited to 4%, while noninterest income surged by 25%, demonstrating the company's ability to manage costs while driving growth in commercial banking and disbursement fees, enhancing overall profitability.
- Stable Asset Quality: Although net charge-offs are expected to remain between 25 and 35 basis points in the first half of 2026, management is optimistic about improvements in nonaccrual loans, anticipating significant reductions by the end of Q2, ensuring stability in asset quality.
Analyst Views on WAL
Wall Street analysts forecast WAL stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for WAL is 101.38 USD with a low forecast of 85.00 USD and a high forecast of 115.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
10 Analyst Rating
9 Buy
0 Hold
1 Sell
Strong Buy
Current: 88.420
Low
85.00
Averages
101.38
High
115.00
Current: 88.420
Low
85.00
Averages
101.38
High
115.00
About WAL
Western Alliance Bancorporation is a bank holding company. It provides a full spectrum of customized loan, deposit and treasury management capabilities, including funds transfer and other digital payment offerings through its wholly owned banking subsidiary, Western Alliance Bank. It operates through its banking divisions: Alliance Bank of Arizona, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank. The Company also provides an array of specialized financial services to business customers across the country, including mortgage banking services through AmeriHome, treasury management services to the homeowner's association sector, and digital payment services for the class-action legal industry. It has two non-bank subsidiaries, such as CS Insurance Company (CSI) and Western Alliance Trust Company, N.A. (WATC). CSI is a captive insurance company. WATC provides corporate trust services and levered loan administration solutions.
About the author

Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.








