VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP (VLYPN) Stock Fundamental Analysis

NASDAQ:VLYPN • US9197944047

26.15 USD
+0.15 (+0.58%)
Last: Mar 2, 2026, 10:12 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, VLYPN scores 4 out of 10 in our fundamental rating. VLYPN was compared to 379 industry peers in the Banks industry. VLYPN has a bad profitability rating. Also its financial health evaluation is rather negative. VLYPN is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • VLYPN had positive earnings in the past year.
  • In the past year VLYPN had a positive cash flow from operations.
  • VLYPN had positive earnings in each of the past 5 years.
  • Of the past 5 years VLYPN 4 years had a positive operating cash flow.
VLYPN Yearly Net Income VS EBIT VS OCF VS FCFVLYPN 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

  • VLYPN has a worse Return On Assets (0.78%) than 62.53% of its industry peers.
  • VLYPN has a Return On Equity of 6.36%. This is in the lower half of the industry: VLYPN underperforms 70.45% of its industry peers.
Industry RankSector Rank
ROA 0.78%
ROE 6.36%
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
VLYPN Yearly ROA, ROE, ROICVLYPN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • The Profit Margin of VLYPN (25.00%) is comparable to the rest of the industry.
  • VLYPN's Profit Margin has been stable in the last couple of years.
  • VLYPN 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) 25%
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
VLYPN Yearly Profit, Operating, Gross MarginsVLYPN 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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • VLYPN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for VLYPN has been reduced compared to 1 year ago.
  • The number of shares outstanding for VLYPN has been increased compared to 5 years ago.
  • Compared to 1 year ago, VLYPN has a worse debt to assets ratio.
VLYPN Yearly Shares OutstandingVLYPN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M
VLYPN Yearly Total Debt VS Total AssetsVLYPN 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

  • 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.
  • The Debt to FCF ratio of VLYPN (1.05) is better than 64.91% of its industry peers.
  • VLYPN has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
  • VLYPN has a better Debt to Equity ratio (0.07) than 75.20% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 1.05
Altman-Z N/A
ROIC/WACCN/A
WACC14.84%
VLYPN Yearly LT Debt VS Equity VS FCFVLYPN 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
VLYPN Yearly Current Assets VS Current LiabilitesVLYPN 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. Growth

3.1 Past

  • VLYPN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 58.73%, which is quite impressive.
  • Measured over the past 5 years, VLYPN shows a small growth in Earnings Per Share. The EPS has been growing by 0.82% on average per year.
  • Looking at the last year, VLYPN shows a quite strong growth in Revenue. The Revenue has grown by 9.75% in the last year.
  • VLYPN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.25% yearly.
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

  • VLYPN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.75% yearly.
  • VLYPN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.98% yearly.
EPS Next Y27.77%
EPS Next 2Y22.74%
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
VLYPN Yearly Revenue VS EstimatesVLYPN 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
VLYPN Yearly EPS VS EstimatesVLYPN 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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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 26.15, VLYPN can be considered very expensive at the moment.
  • Based on the Price/Earnings ratio, VLYPN is valued expensively inside the industry as 86.54% of the companies are valued cheaper.
  • VLYPN is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.07, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 20.47, which indicates a rather expensive current valuation of VLYPN.
  • VLYPN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. VLYPN is more expensive than 78.89% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.05, VLYPN is valued a bit cheaper.
Industry RankSector Rank
PE 26.15
Fwd PE 20.47
VLYPN Price Earnings VS Forward Price EarningsVLYPN 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 VLYPN indicates a slightly more expensive valuation: VLYPN is more expensive than 78.63% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 27.78
EV/EBITDA N/A
VLYPN Per share dataVLYPN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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.
  • VLYPN's earnings are expected to grow with 18.75% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.94
PEG (5Y)31.9
EPS Next 2Y22.74%
EPS Next 3Y18.75%

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

5

5. Dividend

5.1 Amount

  • VLYPN 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 2.73, 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 RankSector Rank
Dividend Yield 3.29%

5.2 History

  • The dividend of VLYPN has a limited annual growth rate of 1.53%.
  • VLYPN does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)1.53%
Div Incr Years0
Div Non Decr Years0
VLYPN Yearly Dividends per shareVLYPN Yearly Dividends per shareYearly Dividends per share 2024 2025 0.5 1 1.5 2

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.
  • The dividend of VLYPN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP55.49%
EPS Next 2Y22.74%
EPS Next 3Y18.75%
VLYPN Yearly Income VS Free CF VS DividendVLYPN 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
VLYPN Dividend Payout.VLYPN Dividend Payout, showing the Payout Ratio.VLYPN Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP

NASDAQ:VLYPN (3/2/2026, 10:12:20 AM)

26.15

+0.15 (+0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners88.01%
Inst Owner ChangeN/A
Ins Owners1.34%
Ins Owner ChangeN/A
Market Cap14.56B
Revenue(TTM)2.03B
Net Income(TTM)489.72M
Analysts83.16
Price Target30.3 (15.87%)
Short Float %0%
Short Ratio0.87
Dividend
Industry RankSector Rank
Dividend Yield 3.29%
Yearly Dividend0.47
Dividend Growth(5Y)1.53%
DP55.49%
Div Incr Years0
Div Non Decr Years0
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)-1.88%
PT rev (3m)-5.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.05%
EPS NY rev (1m)1.25%
EPS NY rev (3m)2.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.2%
Revenue NY rev (1m)1.74%
Revenue NY rev (3m)1.88%
Valuation
Industry RankSector Rank
PE 26.15
Fwd PE 20.47
P/S 7.43
P/FCF 27.78
P/OCF 26.99
P/B 1.89
P/tB 2.55
EV/EBITDA N/A
EPS(TTM)1
EY3.82%
EPS(NY)1.28
Fwd EY4.89%
FCF(TTM)0.94
FCFY3.6%
OCF(TTM)0.97
OCFY3.71%
SpS3.52
BVpS13.83
TBVpS10.27
PEG (NY)0.94
PEG (5Y)31.9
Graham Number17.64
Profitability
Industry RankSector 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)0.75%
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 0.07
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
WACC14.84%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)58.73%
EPS 3Y-8.37%
EPS 5Y0.82%
EPS Q2Q%138.46%
EPS Next Y27.77%
EPS Next 2Y22.74%
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 1Y484.05%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y541.25%
OCF growth 3YN/A
OCF growth 5YN/A

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 2 / 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 26.15 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.