11.55 USD
+0.03 (+0.26%)
11.55 USD
0 (0%)
Overall VLY gets a fundamental rating of 4 out of 10. We evaluated VLY against 387 industry peers in the Banks industry. VLY has a bad profitability rating. Also its financial health evaluation is rather negative. VLY has a correct valuation and a medium growth rate. 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.
VLY had positive earnings in each of the past 5 years.
VLY had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
VLY has a Return On Assets (0.78%) which is comparable to the rest of the industry.
VLY's Return On Equity of 6.36% is on the low side compared to the rest of the industry. VLY is outperformed by 68.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.78% | ||
| ROE | 6.36% | ||
| 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
VLY has a Profit Margin (25.00%) which is comparable to the rest of the 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) | 25% | ||
| 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.
Compared to 1 year ago, VLY has more shares outstanding
Compared to 5 years ago, VLY has more shares outstanding
The debt/assets ratio for VLY has remained at the same level compared to a year ago.
2.2 Solvency
VLY has a debt to FCF ratio of 1.05. This is a very positive value and a sign of high solvency as it would only need 1.05 years to pay back of all of its debts.
VLY has a Debt to FCF ratio of 1.05. This is in the better half of the industry: VLY outperforms 64.34% of its industry peers.
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 75.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.05 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.2%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
VLY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.89%, which is quite good.
Measured over the past years, VLY shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.49% on average per year.
The Revenue has been growing slightly by 7.52% in the past year.
Measured over the past years, VLY shows a quite strong growth in Revenue. The Revenue has been growing by 10.66% on average per year.
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
VLY is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 31.35% yearly.
Based on estimates for the next years, VLY will show a quite strong growth in Revenue. The Revenue will grow by 8.86% on average per year.
EPS Next Y54.79%
EPS Next 2Y40.97%
EPS Next 3Y31.35%
EPS Next 5YN/A
Revenue Next Year8.85%
Revenue Next 2Y9.47%
Revenue Next 3Y8.86%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 14.09, the valuation of VLY can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of VLY indicates a slightly more expensive valuation: VLY is more expensive than 62.53% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of VLY to the average of the S&P500 Index (26.49), we can say VLY is valued slightly cheaper.
A Price/Forward Earnings ratio of 9.23 indicates a reasonable valuation of VLY.
Based on the Price/Forward Earnings ratio, VLY is valued a bit cheaper than 67.18% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.69. VLY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.09 | ||
| Fwd PE | 9.23 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as VLY.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.29 | ||
| EV/EBITDA | N/A |
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.
A more expensive valuation may be justified as VLY's earnings are expected to grow with 31.35% in the coming years.
PEG (NY)0.26
PEG (5Y)N/A
EPS Next 2Y40.97%
EPS Next 3Y31.35%
5. Dividend
5.1 Amount
VLY has a Yearly Dividend Yield of 3.82%.
Compared to an average industry Dividend Yield of 3.11, 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 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.82% |
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 55.49% 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.
DP55.49%
EPS Next 2Y40.97%
EPS Next 3Y31.35%
11.55
+0.03 (+0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners87.64%
Inst Owner Change5.02%
Ins Owners1.34%
Ins Owner Change0.17%
Market Cap6.44B
Revenue(TTM)1.96B
Net Income(TTM)489.72M
Analysts81.11
Price Target13.5 (16.88%)
Short Float %5.71%
Short Ratio2.75
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.82% |
Yearly Dividend0.47
Dividend Growth(5Y)1.53%
DP55.49%
Div Incr Years0
Div Non Decr Years10
Ex-Date
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)0%
PT rev (3m)23.4%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.37%
EPS NY rev (1m)0.16%
EPS NY rev (3m)3.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.09 | ||
| Fwd PE | 9.23 | ||
| P/S | 3.29 | ||
| P/FCF | 12.29 | ||
| P/OCF | 11.94 | ||
| P/B | 0.84 | ||
| P/tB | 1.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.82
EY7.1%
EPS(NY)1.25
Fwd EY10.84%
FCF(TTM)0.94
FCFY8.14%
OCF(TTM)0.97
OCFY8.37%
SpS3.51
BVpS13.8
TBVpS10.26
PEG (NY)0.26
PEG (5Y)N/A
Graham Number15.96
Profitability
| Industry Rank | Sector 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)0.78%
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-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector 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
WACC20.2%
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 Y54.79%
EPS Next 2Y40.97%
EPS Next 3Y31.35%
EPS Next 5YN/A
Revenue 1Y (TTM)7.52%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%8.48%
Revenue Next Year8.85%
Revenue Next 2Y9.47%
Revenue Next 3Y8.86%
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-31.47%
FCF growth 3Y-12.61%
FCF growth 5Y-18.05%
OCF growth 1Y-36.89%
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 5 / 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 3 / 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 14.09 and the Price/Book (PB) ratio is 0.84.
Can you provide the financial health for VLY stock?
The financial health rating of VALLEY NATIONAL BANCORP (VLY) is 3 / 10.