26.095 USD
-0.03 (-0.1%)
We assign a fundamental rating of 4 out of 10 to VLYPN. VLYPN was compared to 383 industry peers in the Banks industry. VLYPN may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, VLYPN is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- VLYPN had positive earnings in the past year.
- VLYPN had a positive operating cash flow in the past year.
- Each year in the past 5 years VLYPN has been profitable.
- VLYPN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- VLYPN has a worse Return On Assets (0.78%) than 60.57% of its industry peers.
- The Return On Equity of VLYPN (6.36%) is worse than 69.45% 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
- VLYPN has a Profit Margin of 25.00%. This is comparable to the rest of the industry: VLYPN outperforms 53.52% of its industry peers.
- In the last couple of years the Profit Margin of VLYPN has declined.
- VLYPN 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
- VLYPN does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, VLYPN has more shares outstanding
- Compared to 5 years ago, VLYPN has more shares outstanding
- Compared to 1 year ago, VLYPN has about the same debt to assets ratio.
2.2 Solvency
- VLYPN 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.
- VLYPN has a Debt to FCF ratio of 1.05. This is in the better half of the industry: VLYPN outperforms 64.49% of its industry peers.
- A Debt/Equity ratio of 0.07 indicates that VLYPN is not too dependend on debt financing.
- VLYPN has a Debt to Equity ratio of 0.07. This is in the better half of the industry: VLYPN outperforms 75.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.05 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.03%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- VLYPN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.89%, which is quite good.
- VLYPN shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.49% yearly.
- The Revenue has been growing slightly by 7.52% in the past year.
- Measured over the past years, VLYPN 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
- Based on estimates for the next years, VLYPN will show a very strong growth in Earnings Per Share. The EPS will grow by 32.23% 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 Y55.14%
EPS Next 2Y41.53%
EPS Next 3Y32.23%
EPS Next 5YN/A
Revenue Next Year8.85%
Revenue Next 2Y9.54%
Revenue Next 3Y9.04%
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.
4. Valuation
4.1 Price/Earnings Ratio
- VLYPN is valuated quite expensively with a Price/Earnings ratio of 31.82.
- Compared to the rest of the industry, the Price/Earnings ratio of VLYPN indicates a rather expensive valuation: VLYPN more expensive than 85.64% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of VLYPN to the average of the S&P500 Index (27.25), we can say VLYPN is valued inline with the index average.
- A Price/Forward Earnings ratio of 20.68 indicates a rather expensive valuation of VLYPN.
- Based on the Price/Forward Earnings ratio, VLYPN is valued a bit more expensive than the industry average as 78.33% of the companies are valued more cheaply.
- VLYPN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 25.98, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.82 | ||
| Fwd PE | 20.68 |
4.2 Price Multiples
- 78.07% of the companies in the same industry are cheaper than VLYPN, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 27.77 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- VLYPN'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 VLYPN's earnings are expected to grow with 32.23% in the coming years.
PEG (NY)0.58
PEG (5Y)N/A
EPS Next 2Y41.53%
EPS Next 3Y32.23%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.55%, VLYPN has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.64, VLYPN pays a bit more dividend than its industry peers.
- VLYPN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.55% |
5.2 History
- The dividend of VLYPN has a limited annual growth rate of 1.53%.
- VLYPN is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)1.53%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 55.49% of the earnings are spent on dividend by VLYPN. This is a bit on the high side, but may be sustainable.
- VLYPN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP55.49%
EPS Next 2Y41.53%
EPS Next 3Y32.23%
VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP / VLYPN FAQ
What is the fundamental rating for VLYPN stock?
ChartMill assigns a fundamental rating of 4 / 10 to VLYPN.
What is the valuation status of VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP (VLYPN) stock?
ChartMill assigns a valuation rating of 3 / 10 to VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP (VLYPN). This can be considered as Overvalued.
What is the profitability of VLYPN stock?
VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP (VLYPN) has a profitability rating of 2 / 10.
What is the valuation of VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP (VLYPN) is 31.82 and the Price/Book (PB) ratio is 1.89.
What is the financial health of VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP (VLYPN) stock?
The financial health rating of VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP (VLYPN) is 3 / 10.