VALLEY NATIONAL BANCORP (VLY) Stock Fundamental Analysis

NASDAQ:VLY • US9197941076

13.185 USD
+0.32 (+2.45%)
Last: Feb 25, 2026, 12:39 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to VLY. VLY was compared to 379 industry peers in the Banks industry. Both the profitability and financial health of VLY have multiple concerns. VLY is not priced too expensively while it is growing strongly. Keep and eye on this one! VLY also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year VLY was profitable.
  • VLY had a positive operating cash flow in the past year.
  • Each year in the past 5 years VLY has been profitable.
  • VLY had a positive operating cash flow in 4 of the past 5 years.
VLY Yearly Net Income VS EBIT VS OCF VS FCFVLY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B

1.2 Ratios

  • With a Return On Assets value of 0.78%, VLY is not doing good in the industry: 60.69% of the companies in the same industry are doing better.
  • VLY's Return On Equity of 6.36% is on the low side compared to the rest of the industry. VLY is outperformed by 68.87% of its industry peers.
Industry RankSector Rank
ROA 0.78%
ROE 6.36%
ROIC N/A
ROA(3y)0.75%
ROA(5y)0.86%
ROE(3y)6.44%
ROE(5y)7.41%
ROIC(3y)N/A
ROIC(5y)N/A
VLY Yearly ROA, ROE, ROICVLY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • With a Profit Margin value of 25.00%, VLY perfoms like the industry average, outperforming 53.83% of the companies in the same industry.
  • VLY's Profit Margin has been stable in the last couple of years.
  • The Operating Margin and Gross Margin are not available for VLY so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 25%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.99%
PM growth 5Y-0.66%
GM growth 3YN/A
GM growth 5YN/A
VLY Yearly Profit, Operating, Gross MarginsVLY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • VLY does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, VLY has less shares outstanding
  • VLY has more shares outstanding than it did 5 years ago.
  • VLY has a worse debt/assets ratio than last year.
VLY Yearly Shares OutstandingVLY Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M
VLY Yearly Total Debt VS Total AssetsVLY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.2 Solvency

  • The Debt to FCF ratio of VLY is 1.05, which is an excellent value as it means it would take VLY, only 1.05 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 1.05, VLY is doing good in the industry, outperforming 65.44% of the companies in the same industry.
  • VLY has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
  • VLY has a better Debt to Equity ratio (0.07) than 75.73% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 1.05
Altman-Z N/A
ROIC/WACCN/A
WACC19.23%
VLY Yearly LT Debt VS Equity VS FCFVLY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
VLY Yearly Current Assets VS Current LiabilitesVLY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 58.73% over the past year.
  • VLY shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.82% yearly.
  • The Revenue has grown by 9.75% in the past year. This is quite good.
  • The Revenue has been growing by 9.25% on average over the past years. This is quite good.
EPS 1Y (TTM)58.73%
EPS 3Y-8.37%
EPS 5Y0.82%
EPS Q2Q%138.46%
Revenue 1Y (TTM)9.75%
Revenue growth 3Y2.84%
Revenue growth 5Y9.25%
Sales Q2Q%14.14%

3.2 Future

  • VLY is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.75% yearly.
  • VLY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.98% yearly.
EPS Next Y27.77%
EPS Next 2Y22.74%
EPS Next 3Y18.75%
EPS Next 5YN/A
Revenue Next Year12.11%
Revenue Next 2Y10.26%
Revenue Next 3Y8.98%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
VLY Yearly Revenue VS EstimatesVLY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B 2.5B
VLY Yearly EPS VS EstimatesVLY Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5

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5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.19 indicates a correct valuation of VLY.
  • VLY's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 26.98, VLY is valued rather cheaply.
  • VLY is valuated reasonably with a Price/Forward Earnings ratio of 10.32.
  • VLY's Price/Forward Earnings is on the same level as the industry average.
  • VLY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.01.
Industry RankSector Rank
PE 13.19
Fwd PE 10.32
VLY Price Earnings VS Forward Price EarningsVLY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as VLY.
Industry RankSector Rank
P/FCF 14.01
EV/EBITDA N/A
VLY Per share dataVLY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • VLY's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • VLY's earnings are expected to grow with 18.75% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.47
PEG (5Y)16.08
EPS Next 2Y22.74%
EPS Next 3Y18.75%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • VLY has a Yearly Dividend Yield of 3.29%.
  • Compared to an average industry Dividend Yield of 2.74, VLY pays a bit more dividend than its industry peers.
  • VLY's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 3.29%

5.2 History

  • The dividend of VLY has a limited annual growth rate of 1.53%.
  • VLY has paid a dividend for at least 10 years, which is a reliable track record.
  • VLY has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)1.53%
Div Incr Years0
Div Non Decr Years10
VLY Yearly Dividends per shareVLY Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4

5.3 Sustainability

  • 55.49% of the earnings are spent on dividend by VLY. This is a bit on the high side, but may be sustainable.
  • The dividend of VLY is growing, but earnings are growing more, so the dividend growth is sustainable.
DP55.49%
EPS Next 2Y22.74%
EPS Next 3Y18.75%
VLY Yearly Income VS Free CF VS DividendVLY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B
VLY Dividend Payout.VLY Dividend Payout, showing the Payout Ratio.VLY Dividend Payout.PayoutRetained Earnings

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VALLEY NATIONAL BANCORP

NASDAQ:VLY (2/25/2026, 12:39:39 PM)

13.185

+0.32 (+2.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners88.01%
Inst Owner Change-0.33%
Ins Owners1.34%
Ins Owner Change0.05%
Market Cap7.34B
Revenue(TTM)2.03B
Net Income(TTM)489.72M
Analysts83.16
Price Target14.91 (13.08%)
Short Float %5.81%
Short Ratio4.27
Dividend
Industry RankSector Rank
Dividend Yield 3.29%
Yearly Dividend0.47
Dividend Growth(5Y)1.53%
DP55.49%
Div Incr Years0
Div Non Decr Years10
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.28%
Min EPS beat(2)2.9%
Max EPS beat(2)7.66%
EPS beat(4)2
Avg EPS beat(4)-1.07%
Min EPS beat(4)-8.83%
Max EPS beat(4)7.66%
EPS beat(8)3
Avg EPS beat(8)-7.27%
EPS beat(12)3
Avg EPS beat(12)-6.39%
EPS beat(16)6
Avg EPS beat(16)-4.24%
Revenue beat(2)0
Avg Revenue beat(2)-0.74%
Min Revenue beat(2)-0.94%
Max Revenue beat(2)-0.55%
Revenue beat(4)1
Avg Revenue beat(4)-0.82%
Min Revenue beat(4)-2.12%
Max Revenue beat(4)0.32%
Revenue beat(8)1
Avg Revenue beat(8)-1.46%
Revenue beat(12)1
Avg Revenue beat(12)-2.17%
Revenue beat(16)5
Avg Revenue beat(16)-1.03%
PT rev (1m)6.57%
PT rev (3m)10.47%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.05%
EPS NY rev (1m)1.25%
EPS NY rev (3m)2.05%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)-0.2%
Revenue NY rev (1m)1.74%
Revenue NY rev (3m)1.88%
Valuation
Industry RankSector Rank
PE 13.19
Fwd PE 10.32
P/S 3.75
P/FCF 14.01
P/OCF 13.61
P/B 0.95
P/tB 1.28
EV/EBITDA N/A
EPS(TTM)1
EY7.58%
EPS(NY)1.28
Fwd EY9.69%
FCF(TTM)0.94
FCFY7.14%
OCF(TTM)0.97
OCFY7.35%
SpS3.52
BVpS13.83
TBVpS10.27
PEG (NY)0.47
PEG (5Y)16.08
Graham Number17.64
Profitability
Industry RankSector Rank
ROA 0.78%
ROE 6.36%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25%
GM N/A
FCFM 26.75%
ROA(3y)0.75%
ROA(5y)0.86%
ROE(3y)6.44%
ROE(5y)7.41%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.99%
PM growth 5Y-0.66%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 1.05
Debt/EBITDA N/A
Cap/Depr 21.18%
Cap/Sales 0.79%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 107%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC19.23%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)58.73%
EPS 3Y-8.37%
EPS 5Y0.82%
EPS Q2Q%138.46%
EPS Next Y27.77%
EPS Next 2Y22.74%
EPS Next 3Y18.75%
EPS Next 5YN/A
Revenue 1Y (TTM)9.75%
Revenue growth 3Y2.84%
Revenue growth 5Y9.25%
Sales Q2Q%14.14%
Revenue Next Year12.11%
Revenue Next 2Y10.26%
Revenue Next 3Y8.98%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y484.05%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y541.25%
OCF growth 3YN/A
OCF growth 5YN/A

VALLEY NATIONAL BANCORP / VLY FAQ

What is the fundamental rating for VLY stock?

ChartMill assigns a fundamental rating of 4 / 10 to VLY.


Can you provide the valuation status for VALLEY NATIONAL BANCORP?

ChartMill assigns a valuation rating of 5 / 10 to VALLEY NATIONAL BANCORP (VLY). This can be considered as Fairly Valued.


Can you provide the profitability details for VALLEY NATIONAL BANCORP?

VALLEY NATIONAL BANCORP (VLY) has a profitability rating of 2 / 10.


What is the valuation of VALLEY NATIONAL BANCORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for VALLEY NATIONAL BANCORP (VLY) is 13.19 and the Price/Book (PB) ratio is 0.95.


How sustainable is the dividend of VALLEY NATIONAL BANCORP (VLY) stock?

The dividend rating of VALLEY NATIONAL BANCORP (VLY) is 7 / 10 and the dividend payout ratio is 55.49%.