VALLEY NATIONAL BANCORP (VLY) Fundamental Analysis & Valuation

NASDAQ:VLY • US9197941076

Current stock price

12.28 USD
+0.38 (+3.19%)
At close:
12.28 USD
0 (0%)
After Hours:

This VLY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. VLY Profitability Analysis

1.1 Basic Checks

  • In the past year VLY was profitable.
  • VLY had a positive operating cash flow in the past year.
  • In the past 5 years VLY has always been profitable.
  • In the past 5 years VLY always reported a positive cash flow from operatings.
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

  • Looking at the Return On Assets, with a value of 0.89%, VLY is in line with its industry, outperforming 43.68% of the companies in the same industry.
  • With a Return On Equity value of 7.29%, VLY is not doing good in the industry: 67.63% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.89%
ROE 7.29%
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

  • VLY has a Profit Margin of 28.09%. This is in the better half of the industry: VLY outperforms 66.32% of its industry peers.
  • In the last couple of years the Profit Margin of VLY has remained more or less at the same level.
  • VLY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 28.09%
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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3

2. VLY Health Analysis

2.1 Basic Checks

  • VLY does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • VLY has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for VLY has been increased compared to 5 years ago.
  • VLY has a better 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 1.82, which is an excellent value as it means it would take VLY, only 1.82 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.82, VLY is in line with its industry, outperforming 52.37% of the companies in the same industry.
  • A Debt/Equity ratio of 0.08 indicates that VLY is not too dependend on debt financing.
  • VLY's Debt to Equity ratio of 0.08 is fine compared to the rest of the industry. VLY outperforms 74.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.82
Altman-Z N/A
ROIC/WACCN/A
WACC18.9%
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. VLY Growth Analysis

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.
  • VLY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.75%.
  • 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

  • Based on estimates for the next years, VLY will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.75% on average per year.
  • The Revenue is expected to grow by 8.98% on average over the next years. This is quite good.
EPS Next Y27.89%
EPS Next 2Y23.03%
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. VLY Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.28, VLY is valued correctly.
  • Compared to the rest of the industry, the Price/Earnings ratio of VLY is on the same level as its industry peers.
  • The average S&P500 Price/Earnings ratio is at 25.35. VLY is valued rather cheaply when compared to this.
  • VLY is valuated reasonably with a Price/Forward Earnings ratio of 9.60.
  • VLY's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. VLY is cheaper than 61.58% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.61, VLY is valued rather cheaply.
Industry RankSector Rank
PE 12.28
Fwd PE 9.6
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of VLY indicates a slightly more expensive valuation: VLY is more expensive than 74.21% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 20.94
EV/EBITDA N/A
VLY Per share dataVLY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 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)0.44
PEG (5Y)14.98
EPS Next 2Y23.03%
EPS Next 3Y18.75%

More info and screens

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

7

5. VLY Dividend Analysis

5.1 Amount

  • VLY has a Yearly Dividend Yield of 3.29%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.66, VLY pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, VLY pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.29%

5.2 History

  • The dividend of VLY has a limited annual growth rate of 1.06%.
  • VLY has been paying a dividend for at least 10 years, so it has a reliable track record.
  • VLY has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)1.06%
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 2026 0.1 0.2 0.3 0.4

5.3 Sustainability

  • VLY pays out 48.83% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • VLY's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP48.83%
EPS Next 2Y23.03%
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

More info and screens

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VLY Fundamentals: All Metrics, Ratios and Statistics

VALLEY NATIONAL BANCORP

NASDAQ:VLY (3/31/2026, 8:11:43 PM)

After market: 12.28 0 (0%)

12.28

+0.38 (+3.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-23
Inst Owners89.4%
Inst Owner Change-0.33%
Ins Owners1.39%
Ins Owner Change0.47%
Market Cap6.82B
Revenue(TTM)2.03B
Net Income(TTM)569.00M
Analysts82.22
Price Target15.14 (23.29%)
Short Float %5.19%
Short Ratio3.2
Dividend
Industry RankSector Rank
Dividend Yield 3.29%
Yearly Dividend0.5
Dividend Growth(5Y)1.06%
DP48.83%
Div Incr Years0
Div Non Decr Years10
Ex-Date03-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.12%
Min EPS beat(2)6.57%
Max EPS beat(2)7.66%
EPS beat(4)3
Avg EPS beat(4)2.78%
Min EPS beat(4)-6%
Max EPS beat(4)7.66%
EPS beat(8)4
Avg EPS beat(8)-4.63%
EPS beat(12)4
Avg EPS beat(12)-5.54%
EPS beat(16)7
Avg EPS beat(16)-3.57%
Revenue beat(2)1
Avg Revenue beat(2)0.6%
Min Revenue beat(2)-0.94%
Max Revenue beat(2)2.14%
Revenue beat(4)1
Avg Revenue beat(4)-0.37%
Min Revenue beat(4)-2.12%
Max Revenue beat(4)2.14%
Revenue beat(8)2
Avg Revenue beat(8)-0.59%
Revenue beat(12)2
Avg Revenue beat(12)-1.77%
Revenue beat(16)5
Avg Revenue beat(16)-1.02%
PT rev (1m)1.58%
PT rev (3m)10.26%
EPS NQ rev (1m)-0.28%
EPS NQ rev (3m)-3.05%
EPS NY rev (1m)0.09%
EPS NY rev (3m)1.98%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.85%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.83%
Valuation
Industry RankSector Rank
PE 12.28
Fwd PE 9.6
P/S 3.37
P/FCF 20.94
P/OCF 19.84
P/B 0.87
P/tB 1.17
EV/EBITDA N/A
EPS(TTM)1
EY8.14%
EPS(NY)1.28
Fwd EY10.41%
FCF(TTM)0.59
FCFY4.78%
OCF(TTM)0.62
OCFY5.04%
SpS3.65
BVpS14.06
TBVpS10.51
PEG (NY)0.44
PEG (5Y)14.98
Graham Number17.78
Profitability
Industry RankSector Rank
ROA 0.89%
ROE 7.29%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.09%
GM N/A
FCFM 16.08%
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 0.08
Debt/FCF 1.82
Debt/EBITDA N/A
Cap/Depr 26.34%
Cap/Sales 0.89%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 57.25%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC18.9%
ROIC/WACCN/A
Cap/Depr(3y)46.07%
Cap/Depr(5y)50.39%
Cap/Sales(3y)1.93%
Cap/Sales(5y)2.48%
Profit Quality(3y)89.41%
Profit Quality(5y)137.17%
High Growth Momentum
Growth
EPS 1Y (TTM)58.73%
EPS 3Y-8.37%
EPS 5Y0.82%
EPS Q2Q%138.46%
EPS Next Y27.89%
EPS Next 2Y23.03%
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 1Y-38.82%
FCF growth 3Y-37.89%
FCF growth 5Y20.75%
OCF growth 1Y-37.32%
OCF growth 3Y-37.8%
OCF growth 5Y17.81%

VALLEY NATIONAL BANCORP / VLY Fundamental Analysis FAQ

What is the fundamental rating for VLY stock?

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


What is the valuation status of VALLEY NATIONAL BANCORP (VLY) stock?

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


How profitable is VALLEY NATIONAL BANCORP (VLY) stock?

VALLEY NATIONAL BANCORP (VLY) has a profitability rating of 3 / 10.


Can you provide the financial health for VLY stock?

The financial health rating of VALLEY NATIONAL BANCORP (VLY) is 3 / 10.


Is the dividend of VALLEY NATIONAL BANCORP sustainable?

The dividend rating of VALLEY NATIONAL BANCORP (VLY) is 7 / 10 and the dividend payout ratio is 48.83%.