Western Alliance Bancorp (NYSE: WAL) has seen a rise in its stock price by 3.86 in relation to its previous close of 71.46. However, the company has experienced a -4.02% decline in its stock price over the last five trading sessions. https://www.fool.com reported 2025-05-25 that KEY POINTS The best high-yield savings account rate today: 5.00% APY.Let your money work harder for you — take advantage of one of today’s top rates.Open your account and manage your savings with the convenience of a mobile app. High-yield savings accounts (HYSAs) are still offering some of the best returns we’ve seen in years, thanks to the Federal Reserve holding rates steady in May. But with inflation cooling and potential rate cuts on the way, these top-tier APYs may not stick around for long.If your money is sitting in an account earning under 1%, you’re missing out on easy interest earnings. The good news is that switching to an HYSA is quick and simple — and it could boost your returns by up to 10 times the national average.Check out today’s best rates below, updated daily to help you catch the most competitive offers. Featured pick: The Barclays Tiered Savings account stands out with a 4.00% APY and no minimum balance required to earn interest. It’s one of the few top-tier rates still widely available — and with no account fees, it’s a smart move while rates remain high. Open a Barclays Tiered Savings account today. Varo Savings — up to 5.00% (Max APY on up to $5,000, 2.50% APY after)Axos ONE® — up to 4.66% (Minimum balance: $1,500)Pibank Savings — 4.60% (No minimum balance)Presidential Bank Advantage Savings — up to 4.50% (Requires $5,000 to open and an Advantage Checking Account for top APY)Data source: Issuing banks. Rates are accurate as of May 23, 2025. Our Picks for the Best High-Yield Savings Accounts of 2025 Product APY Min. to Earn SoFi Checking and Savings Member FDIC. APY up to 3.80% Rate info Circle with letter I in it. SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus. Min. to earn $0 Open Account for SoFi Checking and Savings On SoFi’s Secure Website. Member FDIC. up to 3.80% Rate info Circle with letter I in it. SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus. $0 Open Account for SoFi Checking and Savings On SoFi’s Secure Website. American Express® High Yield Savings Account Member FDIC. APY 3.60% Rate info Circle with letter I in it. 3.60% annual percentage yield as of May 25, 2025. Terms apply. Min. to earn $0 Open Account for American Express® High Yield Savings Account On American Express’s Secure Website. Member FDIC. 3.60% Rate info Circle with letter I in it. 3.60% annual percentage yield as of May 25, 2025. Terms apply. $0 Open Account for American Express® High Yield Savings Account On American Express’s Secure Website. Western Alliance Bank High-Yield Savings Premier Member FDIC. APY 4.30% Rate info Circle with letter I in it. The annual percentage yield (APY) is accurate as of May 2, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. Min. to earn $500 to open, $0.01 for max APY Open Account for Western Alliance Bank High-Yield Savings Premier On Western Alliance Bank’s Secure Website. Member FDIC. 4.30% Rate info Circle with letter I in it. The annual percentage yield (APY) is accurate as of May 2, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. $500 to open, $0.01 for max APY Open Account for Western Alliance Bank High-Yield Savings Premier On Western Alliance Bank’s Secure Website. Should you open a high-yield savings account?If you’ve been waiting to boost your savings, now’s a smart time to act. With interest rates still holding steady, many high-yield savings accounts are offering APYs as high as 5.00% — far above what traditional accounts pay.HYSAs are a safe, low-risk way to grow your money while keeping it accessible. But keep in mind, rates can change fast. As shown in the chart below, average deposit rates at U.S. banks climbed quickly during the Fed’s last rate hike cycle — and they could fall just as fast if cuts begin later this year. How to open a high-yield savings accountGetting started with a high-yield savings account is easy and usually takes just a few minutes:Compare rates from various banks and credit unions. Shop around to find the best APY, low or no fees, and features like easy transfers and mobile access. Online banks often offer the most competitive rates.Gather your information. You’ll need basic personal details like your name, address, Social Security number, and a form of ID to apply.Complete the application. Most applications can be done online in just a few minutes. Follow the prompts to enter your information and set up your account.Fund your new account. Link an existing bank account to transfer money in. Some banks require a minimum deposit to open the account, so be sure to read the fine print.Set up online and mobile access. Once your account is active, download the bank’s app or log in online so you can track your balance, transfer funds, and manage your savings easily. $10,000 kept in an HYSA could earn $400 in a yearHigh-yield savings account earnings depend on your account balance and the account APY (annual percentage yield).For example, a $10,000 account balance with a 4.00% APY would earn roughly $400 in a year — without locking up your cash.Compare that to a traditional savings account, where rates are often much lower. Opening an account with a top-tier APY, like Barclays Tiered Savings, can help you maximize your returns before rates drop. Open a Barclays Tiered Savings account here before rates fall again. Open a SoFi Checking and Savings account (Member FDIC) and get a cash bonusFor those who plan to set up direct deposit with their new account, the SoFi Checking and Savings account (Member FDIC) is hard to beat. Not only does this savings account offer a strong APY of up to 3.80%, but the linked checking account earns an above-average rate, too — a rare perk. Even better: New customers can earn up to a $300 bonus with qualifying direct deposits!Frankly, it’s the kind of combo that could make it worthwhile to switch banking relationships. Open a SoFi Checking and Savings account (Member FDIC) today and see how to qualify for the full bonus. Sources https://www.varomoney.com/high-yield-savings-account/https://www.axosbank.com/personal/bank/axos-onehttps://www.pibank.com/pibank-savings/https://www.presidential.com/personal/banking/savings FAQs What’s the biggest downside of a high-yield savings account? The biggest downside of a high-yield savings account is that interest rates can fluctuate. Unlike the fixed rates of CDs, the interest rate on savings accounts can change based on market conditions, potentially reducing your earnings over time. This variability means your returns might not be as predictable as with other fixed-rate investments. Are high-yield savings accounts safe? Yes, high-yield savings accounts are safe as long as they’re offered by an FDIC-insured bank or NCUA-insured credit union. Your money is protected up to $250,000 per depositor, per institution, in case the bank fails. Can the interest rate on a high-yield savings account change? Yes, the interest rate on a high-yield savings account is variable, which means it can go up or down at any time. Rates often follow changes in the federal funds rate, so they may increase during rising rate environments and decrease when rates fall.
Is It Worth Investing in Western Alliance Bancorp (NYSE: WAL) Right Now?
Western Alliance Bancorp (NYSE: WAL) has a higher price-to-earnings ratio of 10.20x compared to its average ratio. WAL has 36-month beta value of 1.29. Analysts have mixed views on the stock, with 9 analysts rating it as a “buy,” 5 as “overweight,” 1 as “hold,” and 0 as “sell.”
The public float for WAL is 104.75M, and currently, short sellers hold a 4.15% ratio of that float. The average trading volume of WAL on May 28, 2025 was 1.22M shares.
WAL’s Market Performance
WAL stock saw an increase of -4.02% in the past week, with a monthly gain of 6.48% and a quarterly increase of -13.07%. The volatility ratio for the week is 3.69%, and the volatility levels for the last 30 days are 2.61% for Western Alliance Bancorp (WAL). The simple moving average for the past 20 days is -0.14% for WAL’s stock, with a -9.54% simple moving average for the past 200 days.
Analysts’ Opinion of WAL
Many brokerage firms have already submitted their reports for WAL stocks, with Jefferies repeating the rating for WAL by listing it as a “Buy.” The predicted price for WAL in the upcoming period, according to Jefferies is $95 based on the research report published on May 21, 2025 of the current year 2025.
Truist, on the other hand, stated in their research note that they expect to see WAL reach a price target of $92. The rating they have provided for WAL stocks is “Buy” according to the report published on May 13th, 2025.
WAL Trading at 2.75% from the 50-Day Moving Average
After a stumble in the market that brought WAL to its low price for the period of the last 52 weeks, the company was unable to rebound, for now settling with -24.34% of loss for the given period.
Volatility was left at 2.61%, however, over the last 30 days, the volatility rate increased by 3.69%, as shares surge +5.43% for the moving average over the last 20 days. Over the last 50 days, in opposition, the stock is trading -3.91% lower at present.
During the last 5 trading sessions, WAL fell by -4.02%, which changed the moving average for the period of 200-days by +1.77% in comparison to the 20-day moving average, which settled at $74.32. In addition, Western Alliance Bancorp saw -11.16% in overturn over a single year, with a tendency to cut further losses.
Insider Trading
Reports are indicating that there were more than several insider trading activities at WAL starting from Segedi Bryan K, who sale 1,000 shares at the price of $94.36 back on Nov 13 ’24. After this action, Segedi Bryan K now owns 16,675 shares of Western Alliance Bancorp, valued at $94,360 using the latest closing price.
Segedi Bryan K, the Director of Western Alliance Bancorp, proposed sale 1,000 shares at $94.58 during a trade that took place back on Nov 13 ’24, which means that Segedi Bryan K is holding shares at $94,583 based on the most recent closing price.
Stock Fundamentals for WAL
Current profitability levels for the company are sitting at:
- 0.3 for the present operating margin
- 1.29 for the gross margin
The net margin for Western Alliance Bancorp stands at 0.25. The total capital return value is set at 0.01. Equity return is now at value 12.36, with 1.01 for asset returns.
When we switch over and look at the enterprise to sales, we see a ratio of 1.53. The liquidity ratio also appears to be rather interesting for investors as it stands at 0.11.
Conclusion
To put it simply, Western Alliance Bancorp (WAL) has had a mixed performance in recent times. Analysts have a bullish opinion on the stock, with some rating it as a “buy” and others as a “hold”. It’s important to note that the stock is currently trading at a significant distance from its 50-day moving average and its 52-week high.
