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Western Alliance BancorpWAL +0.71%86 Equity-to-Asset is 0.08 as of Jun. 2026, which is 11% below its 10-year median of 0.09. GuruFocus rates WAL with a GF Score™ of 86/100 and a GF Value™ of $94.37 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,523 Banks companies, Western Alliance Bancorp ranks worse than 66.58% on this metric.
Western Alliance Bancorp (NYSE:WAL) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Western Alliance Bancorp Equity-to-Asset Related Terms
Western Alliance Bancorp Equity-to-Asset Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Western Alliance Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Western Alliance Bancorp Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Western Alliance Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Western Alliance Bancorp's Equity-to-Asset falls into.
Western Alliance Bancorp Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Western Alliance Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Western Alliance Bancorp (WAL) has a Equity-to-Asset of 0.08 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Western Alliance Bancorp and its competitors. This is 11% below median its historical median of 0.09. Over the past decade, Western Alliance Bancorp's Equity-to-Asset has ranged from 0.07 to 0.11. According to the industry distribution chart, Western Alliance Bancorp ranks #1014 out of 1523 companies in the Banks industry, placing it in the top 66.6%.
Is Western Alliance Bancorp's Equity-to-Asset too high?
Western Alliance Bancorp's current Equity-to-Asset of 0.08 is 11% below median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.11. The Banks industry median Equity-to-Asset is 0.10. Western Alliance Bancorp's value of 0.08 is 20% below this industry median. Based on the distribution chart, Western Alliance Bancorp ranks #1014 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, Western Alliance Bancorp has a GF Score™ of 86/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Western Alliance Bancorp's Equity-to-Asset compare to COLB and PB?
According to the Banks industry distribution chart, Western Alliance Bancorp ranks #1014 out of 1523 companies for Equity-to-Asset. This places Western Alliance Bancorp in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Western Alliance Bancorp's value of 0.08 is 20% below this benchmark. Historically, Western Alliance Bancorp's own Equity-to-Asset has ranged from 0.07 to 0.11 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, Western Alliance Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Western Alliance Bancorp's current Equity-to-Asset of 0.08 is 20% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Western Alliance Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Western Alliance Bancorp's current Equity-to-Asset is 0.08, which is 11% below median its own 10-year median of 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Western Alliance Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Western Alliance Bancorp (WAL) is currently considered Modestly Undervalued. The stock's GF Value™ is $94.37, compared to a current price of $82.32 — trading 12.8% below its estimated fair value. The current Equity-to-Asset is 0.08, which is 11% below median its 10-year median of 0.09 and 20% below the Banks industry median of 0.10. Western Alliance Bancorp's overall GF Score™ is 86/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Western Alliance Bancorp (WAL), the current Equity-to-Asset is 0.08 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Western Alliance Bancorp (WAL) Overvalued in 2026?
Based on GuruFocus' analysis, Western Alliance Bancorp stock appears to be undervalued.
The current stock price of $82.32 is trading 12.8% below its estimated GF Value™ of $94.37.
GuruFocus considers Western Alliance Bancorp to be Modestly Undervalued.
Key valuation signals for WAL:
Equity-to-Asset: 0.08 (11% below median its 10-year median of 0.09)
GF Value™: $94.37 vs. price of $82.32 (12.8% below fair value)
Industry Position: 20% below the Banks median (#1014 of 1523)
No single metric tells the full story. See the WAL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Western Alliance Bancorp provides a full spectrum of customized loan, deposit, and treasury management capabilities, including funds transfer and other digital payment offerings. The company's reportable segments are Commercial segment includes provides commercial banking and treasury management products and services to small and middle-market businesses, specialized banking services to sophisticated commercial institutions and investors within niche industries, as well as financial services to the real estate industry. Consumer Related segment offers both commercial banking services to enterprises in consumer-related sectors and consumer banking services, such as residential mortgage banking and Corporate & Other.
86GF Score
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