Western Alliance (WAL) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates

Western Alliance (WAL) reported $947.9 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 13.8%. EPS of $2.28 for the same period compares to $1.80 a year ago.The reported revenue represents a surprise of +6.79% over the Zacks Consensus Estimate of $887.6 million. With the consensus EPS estimate being $2.11, the EPS surprise was +8.06%.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.Here is how Western Alliance performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:Efficiency Ratio: 57.4% versus the four-analyst average estimate of 58.8%.Net charge-offs to average loans - annualized: 0.2% versus 0.2% estimated by four analysts on average.Net Interest Margin: 3.5% compared to the 3.4% average estimate based on four analysts.Average Balance - Total interest earning assets: $85.33 billion versus $82.76 billion estimated by two analysts on average.Tier 1 Leverage Ratio: 8.1% compared to the 8.4% average estimate based on two analysts.Total non-interest income: $187.8 million compared to the $148.73 million average estimate based on four analysts.Net interest income: $750.4 million versus $734.18 million estimated by three analysts on average.Net gain on loan origination and sale activities: $75.5 million versus the two-analyst average estimate of $46.34 million.Service charges and fees: $35.4 million compared to the $37.83 million average estimate based on two analysts.Net loan servicing revenue: $19.1 million compared to the $41.27 million average estimate based on two analysts.View all Key Company Metrics for Western Alliance here>>>Shares of Western Alliance have returned -15.8% over the past month versus the Zacks S&P 500 composite's +1.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.5 Stocks Set to DoubleEach was handpicked by a Zacks expert as the favorite stock to gain +100% or more in the months ahead. They includeStock #1: A Disruptive Force with Notable Growth and ResilienceStock #2: Bullish Signs Signaling to Buy the DipStock #3: One of the Most Compelling Investments in the MarketStock #4: Leader In a Red-Hot Industry Poised for GrowthStock #5: Modern Omni-Channel Platform Coiled to SpringMost of the stocks in this report are flying under Wall Street radar, which provides a great opportunity to get in on the ground floor. While not all picks can be winners, previous recommendations have soared +171%, +209% and +232%.Download Atomic Opportunity: Nuclear Energy's Comeback free today.Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Western Alliance Bancorporation (WAL): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks