VALLEY NATIONAL BANCORP (VLY) Stock Fundamental Analysis
USA - NASDAQ:VLY - US9197941076 - Common Stock
10.705 USD
-0.1 (-0.88%)
VLY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. VLY has a bad profitability rating. Also its financial health evaluation is rather negative. VLY has a decent growth rate and is not valued too expensively. Finally VLY also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
VLY had positive earnings in the past year.
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 each of the past 5 years.
1.2 Ratios
VLY's Return On Assets of 0.68% is on the low side compared to the rest of the industry. VLY is outperformed by 63.59% of its industry peers.
VLY has a Return On Equity of 5.62%. This is in the lower half of the industry: VLY underperforms 73.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.68% | ||
| ROE | 5.62% | ||
| ROIC | N/A |
ROA(3y)0.78%
ROA(5y)0.86%
ROE(3y)6.9%
ROE(5y)7.6%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 22.27%, VLY perfoms like the industry average, outperforming 43.85% of the companies in the same industry.
In the last couple of years the Profit Margin of VLY has declined.
VLY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.27% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.82%
PM growth 5Y-6.15%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
VLY does not have a ROIC to compare to the WACC, probably because it is not profitable.
VLY has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, VLY has more shares outstanding
VLY has about the same debt/assets ratio as last year.
2.2 Solvency
VLY has a debt to FCF ratio of 1.55. This is a very positive value and a sign of high solvency as it would only need 1.55 years to pay back of all of its debts.
The Debt to FCF ratio of VLY (1.55) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.07 indicates that VLY is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.07, VLY is doing good in the industry, outperforming 76.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.71%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 13.89% over the past year.
The Earnings Per Share has been decreasing by -7.49% on average over the past years.
Looking at the last year, VLY shows a small growth in Revenue. The Revenue has grown by 7.52% in the last year.
The Revenue has been growing by 10.66% on average over the past years. This is quite good.
EPS 1Y (TTM)13.89%
EPS 3Y-18.41%
EPS 5Y-7.49%
EPS Q2Q%55.56%
Revenue 1Y (TTM)7.52%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%8.48%
3.2 Future
The Earnings Per Share is expected to grow by 28.85% on average over the next years. This is a very strong growth
VLY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.50% yearly.
EPS Next Y50%
EPS Next 2Y37.84%
EPS Next 3Y28.85%
EPS Next 5YN/A
Revenue Next Year8.95%
Revenue Next 2Y9.23%
Revenue Next 3Y8.5%
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 decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 13.05, VLY is valued correctly.
Based on the Price/Earnings ratio, VLY is valued a bit more expensive than 60.77% of the companies in the same industry.
When comparing the Price/Earnings ratio of VLY to the average of the S&P500 Index (25.67), we can say VLY is valued slightly cheaper.
A Price/Forward Earnings ratio of 8.94 indicates a reasonable valuation of VLY.
66.15% of the companies in the same industry are more expensive than VLY, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 31.86. VLY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.05 | ||
| Fwd PE | 8.94 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, VLY is valued a bit more expensive than 63.85% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.59 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as VLY's earnings are expected to grow with 28.85% in the coming years.
PEG (NY)0.26
PEG (5Y)N/A
EPS Next 2Y37.84%
EPS Next 3Y28.85%
5. Dividend
5.1 Amount
VLY has a Yearly Dividend Yield of 4.06%, which is a nice return.
Compared to an average industry Dividend Yield of 3.42, 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 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.06% |
5.2 History
The dividend of VLY has a limited annual growth rate of 1.53%.
VLY has been paying a dividend for at least 10 years, so it has 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
5.3 Sustainability
VLY pays out 62.54% of its income as dividend. This is not a sustainable payout ratio.
The dividend of VLY is growing, but earnings are growing more, so the dividend growth is sustainable.
DP62.54%
EPS Next 2Y37.84%
EPS Next 3Y28.85%
NASDAQ:VLY (11/7/2025, 11:57:09 AM)
10.705
-0.1 (-0.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners84.41%
Inst Owner Change0.05%
Ins Owners1.31%
Ins Owner Change0.28%
Market Cap5.99B
Revenue(TTM)1.96B
Net Income(TTM)425.75M
Analysts81.18
Price Target13.5 (26.11%)
Short Float %3.83%
Short Ratio1.92
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.06% |
Yearly Dividend0.47
Dividend Growth(5Y)1.53%
DP62.54%
Div Incr Years0
Div Non Decr Years10
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.55%
Min EPS beat(2)-6%
Max EPS beat(2)2.9%
EPS beat(4)2
Avg EPS beat(4)-2.88%
Min EPS beat(4)-8.83%
Max EPS beat(4)2.9%
EPS beat(8)2
Avg EPS beat(8)-8.33%
EPS beat(12)3
Avg EPS beat(12)-6.87%
EPS beat(16)6
Avg EPS beat(16)-4.68%
Revenue beat(2)0
Avg Revenue beat(2)-1.33%
Min Revenue beat(2)-2.12%
Max Revenue beat(2)-0.55%
Revenue beat(4)1
Avg Revenue beat(4)-0.6%
Min Revenue beat(4)-2.12%
Max Revenue beat(4)0.32%
Revenue beat(8)1
Avg Revenue beat(8)-1.5%
Revenue beat(12)2
Avg Revenue beat(12)-2.04%
Revenue beat(16)6
Avg Revenue beat(16)-0.95%
PT rev (1m)19.2%
PT rev (3m)25.26%
EPS NQ rev (1m)0.07%
EPS NQ rev (3m)-0.19%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)1.12%
Revenue NQ rev (1m)-0.24%
Revenue NQ rev (3m)-0.31%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.05 | ||
| Fwd PE | 8.94 | ||
| P/S | 3.13 | ||
| P/FCF | 16.59 | ||
| P/OCF | 15.89 | ||
| P/B | 0.79 | ||
| P/tB | 1.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.82
EY7.66%
EPS(NY)1.2
Fwd EY11.18%
FCF(TTM)0.65
FCFY6.03%
OCF(TTM)0.67
OCFY6.29%
SpS3.41
BVpS13.53
TBVpS9.99
PEG (NY)0.26
PEG (5Y)N/A
Graham Number15.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.68% | ||
| ROE | 5.62% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.27% | ||
| GM | N/A | ||
| FCFM | 18.89% |
ROA(3y)0.78%
ROA(5y)0.86%
ROE(3y)6.9%
ROE(5y)7.6%
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-16.82%
PM growth 5Y-6.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.55 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 21.31% | ||
| Cap/Sales | 0.83% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 84.83% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC20.71%
ROIC/WACCN/A
Cap/Depr(3y)58.08%
Cap/Depr(5y)51.11%
Cap/Sales(3y)2.87%
Cap/Sales(5y)2.67%
Profit Quality(3y)151.88%
Profit Quality(5y)132.43%
High Growth Momentum
Growth
EPS 1Y (TTM)13.89%
EPS 3Y-18.41%
EPS 5Y-7.49%
EPS Q2Q%55.56%
EPS Next Y50%
EPS Next 2Y37.84%
EPS Next 3Y28.85%
EPS Next 5YN/A
Revenue 1Y (TTM)7.52%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%8.48%
Revenue Next Year8.95%
Revenue Next 2Y9.23%
Revenue Next 3Y8.5%
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-56.09%
FCF growth 3Y-12.61%
FCF growth 5Y-18.05%
OCF growth 1Y-58.36%
OCF growth 3Y-13.14%
OCF growth 5Y-17.83%
VALLEY NATIONAL BANCORP / VLY FAQ
What is the fundamental rating for VLY stock?
ChartMill assigns a fundamental rating of 4 / 10 to VLY.
What is the valuation status for VLY stock?
ChartMill assigns a valuation rating of 4 / 10 to VALLEY NATIONAL BANCORP (VLY). This can be considered as Fairly Valued.
What is the profitability of VLY stock?
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 13.05 and the Price/Book (PB) ratio is 0.79.
Can you provide the financial health for VLY stock?
The financial health rating of VALLEY NATIONAL BANCORP (VLY) is 2 / 10.