11.79 USD
-0.04 (-0.34%)
11.79 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to VLY. VLY was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of VLY have multiple concerns. VLY has a decent growth rate and is not valued too expensively. VLY also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year VLY was profitable.
- 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 in line with its industry peers.
- The Return On Equity of VLY (6.36%) is worse than 68.41% 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 of 25.00%. This is comparable to the rest of the industry: VLY outperforms 54.31% of its industry peers.
- 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
- VLY has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, VLY has about the same debt to assets ratio.
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.
- VLY's Debt to FCF ratio of 1.05 is fine compared to the rest of the industry. VLY outperforms 65.01% 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 Debt to Equity ratio of 0.07. This is in the better half of the industry: VLY outperforms 76.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.05 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.03%
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.
- VLY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.66% yearly.
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
- Based on estimates for the next years, VLY will show a very strong growth in Earnings Per Share. The EPS will grow by 31.67% on average per year.
- The Revenue is expected to grow by 9.04% on average over the next years. This is quite good.
EPS Next Y54.74%
EPS Next 2Y41.09%
EPS Next 3Y31.67%
EPS Next 5YN/A
Revenue Next Year8.85%
Revenue Next 2Y9.54%
Revenue Next 3Y9.04%
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
- With a Price/Earnings ratio of 14.38, VLY is valued correctly.
- Based on the Price/Earnings ratio, VLY is valued a bit more expensive than the industry average as 62.14% of the companies are valued more cheaply.
- Compared to an average S&P500 Price/Earnings ratio of 26.94, VLY is valued a bit cheaper.
- VLY is valuated reasonably with a Price/Forward Earnings ratio of 9.40.
- 70.23% of the companies in the same industry are more expensive than VLY, based on the Price/Forward Earnings ratio.
- VLY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.38 | ||
| Fwd PE | 9.4 |
4.2 Price Multiples
- VLY's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.55 | ||
| 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.
- VLY's earnings are expected to grow with 31.67% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.26
PEG (5Y)N/A
EPS Next 2Y41.09%
EPS Next 3Y31.67%
5. Dividend
5.1 Amount
- VLY has a Yearly Dividend Yield of 8.24%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.85, VLY pays a better dividend. On top of this VLY pays more dividend than 98.69% of the companies listed in the same industry.
- VLY's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.24% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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.
- The dividend of VLY is growing, but earnings are growing more, so the dividend growth is sustainable.
DP55.49%
EPS Next 2Y41.09%
EPS Next 3Y31.67%
11.79
-0.04 (-0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2025-10-23/bmo
Earnings (Next)01-29 2026-01-29/bmo
Inst Owners88.01%
Inst Owner Change-0.23%
Ins Owners1.34%
Ins Owner Change0.14%
Market Cap6.57B
Revenue(TTM)1.96B
Net Income(TTM)489.72M
Analysts81.05
Price Target13.99 (18.66%)
Short Float %5.69%
Short Ratio4.68
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.24% |
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)3.65%
PT rev (3m)12.16%
EPS NQ rev (1m)0.05%
EPS NQ rev (3m)4.87%
EPS NY rev (1m)-0.03%
EPS NY rev (3m)3.15%
Revenue NQ rev (1m)-0.13%
Revenue NQ rev (3m)-0.18%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.38 | ||
| Fwd PE | 9.4 | ||
| P/S | 3.36 | ||
| P/FCF | 12.55 | ||
| P/OCF | 12.19 | ||
| P/B | 0.85 | ||
| P/tB | 1.15 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.82
EY6.96%
EPS(NY)1.25
Fwd EY10.64%
FCF(TTM)0.94
FCFY7.97%
OCF(TTM)0.97
OCFY8.2%
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
WACC20.03%
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 Y54.74%
EPS Next 2Y41.09%
EPS Next 3Y31.67%
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 2Y9.54%
Revenue Next 3Y9.04%
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.
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 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 14.38 and the Price/Book (PB) ratio is 0.85.
How sustainable is the dividend of VALLEY NATIONAL BANCORP (VLY) stock?
The dividend rating of VALLEY NATIONAL BANCORP (VLY) is 8 / 10 and the dividend payout ratio is 55.49%.