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Western Alliance Bancorporation
Western Alliance Bancorporation (WAL) investor relations material
Western Alliance Bancorporation Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Achieved record net income and EPS in Q4 and full-year 2025, with Q4 net income of $293.2M (up 35.2% YoY) and full-year net income of $990.6M; EPS for Q4 was $2.59 (up 33% YoY), and full-year EPS was $8.73 (up 23%).
Loan and deposit growth remained robust, with total loans up 9.3% and deposits up 16.3% year-over-year.
Tangible book value per share increased 17.3% year-over-year to $61.29.
Operating leverage was significant, with net revenue growth outpacing non-interest expense growth by four times.
Financial highlights
Record net interest income of $2.86B for 2025, with Q4 net interest income of $766.2M, up 15% year-over-year.
Net revenue for Q4 2025 was $980.9M, up 17% year-over-year; full-year net revenue was $3.5B, up 12%.
Pre-provision net revenue for Q4 was $428.7M, up 34.2% year-over-year; full-year PPNR was $1.4B, up 25.9%.
Non-interest income for Q4 was $214.7M, up 24.9% year-over-year; full-year non-interest income was $678.2M, up 24.9%.
Efficiency ratio for Q4 was 55.7% (46.5% adjusted), both improved by five points year-over-year.
Outlook and guidance
2026 guidance: loan growth of $6B, deposit growth of $8B, and net interest income growth of 11%-14%.
Non-interest income expected to grow 2%-4%; operating expenses to rise 2%-7%, mainly from scale and targeted investments.
Net charge-offs projected between 25-35 bps, with allowance for funded loans expected to drift into the low 80s bps.
CET1 ratio to be maintained around 11%; opportunistic share repurchases planned.
Effective tax rate for 2026 projected at 19%.
What drove Q4 NIM decline despite lower deposit costs?
What is the strategy for non-interest bearing deposits?
Why did provision for credit losses decrease Q4?
New deposit initiatives: funding cost impact?
Nonaccrual loan resolution and NCO timing.
Mortgage banking and MSR regulatory tailwinds.
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Next Western Alliance Bancorporation earnings date
Q1 202621 Apr, 2026
Western Alliance Bancorporation
Next Western Alliance Bancorporation earnings date
Q1 202621 Apr, 2026
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Frequently asked questions
Western Alliance Bancorporation is a bank holding company that provides commercial banking, treasury management, and real estate lending services. It serves businesses, entrepreneurs, and professionals across several U.S. markets. The company is headquartered in Phoenix, Arizona, and its shares are listed on the NYSE.
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