VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP (VLYPN) Stock Fundamental Analysis
NASDAQ:VLYPN - US9197944047
25.9 USD
+0.04 (+0.17%)
VLYPN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. VLYPN has a bad profitability rating. Also its financial health evaluation is rather negative. VLYPN is quite expensive at the moment. It does show a decent growth rate.
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.
In the past 5 years VLYPN has always been profitable.
Each year in the past 5 years VLYPN had a positive operating cash flow.
1.2 Ratios
VLYPN has a worse Return On Assets (0.59%) than 70.48% of its industry peers.
With a Return On Equity value of 4.88%, VLYPN is not doing good in the industry: 75.32% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.59% | ||
| ROE | 4.88% | ||
| 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 19.57%. This is in the lower half of the industry: VLYPN underperforms 64.12% 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) | 19.57% | ||
| 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.
VLYPN has more shares outstanding than it did 1 year ago.
The number of shares outstanding for VLYPN has been increased compared to 5 years ago.
VLYPN has about the same debt/assets ratio as last year.
2.2 Solvency
The Debt to FCF ratio of VLYPN is 1.84, which is an excellent value as it means it would take VLYPN, only 1.84 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of VLYPN (1.84) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.10 indicates that VLYPN is not too dependend on debt financing.
VLYPN has a better Debt to Equity ratio (0.10) than 68.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.84 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.07%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for VLYPN have decreased strongly by -10.00% in the last year.
The Earnings Per Share has been decreasing by -7.49% on average over the past years.
Looking at the last year, VLYPN shows a small growth in Revenue. The Revenue has grown by 4.51% 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)-10%
EPS 3Y-18.41%
EPS 5Y-7.49%
EPS Q2Q%76.92%
Revenue 1Y (TTM)4.51%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%9.3%
3.2 Future
VLYPN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 26.90% yearly.
Based on estimates for the next years, VLYPN will show a small growth in Revenue. The Revenue will grow by 7.41% on average per year.
EPS Next Y49.94%
EPS Next 2Y36.61%
EPS Next 3Y26.9%
EPS Next 5YN/A
Revenue Next Year9.06%
Revenue Next 2Y8.98%
Revenue Next 3Y7.41%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 35.97, VLYPN can be considered very expensive at the moment.
Based on the Price/Earnings ratio, VLYPN is valued expensively inside the industry as 87.02% of the companies are valued cheaper.
Compared to an average S&P500 Price/Earnings ratio of 27.03, VLYPN is valued a bit more expensive.
VLYPN is valuated rather expensively with a Price/Forward Earnings ratio of 22.03.
Based on the Price/Forward Earnings ratio, VLYPN is valued expensively inside the industry as 80.15% of the companies are valued cheaper.
When comparing the Price/Forward Earnings ratio of VLYPN to the average of the S&P500 Index (22.63), we can say VLYPN is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.97 | ||
| Fwd PE | 22.03 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, VLYPN is valued a bit more expensive than the industry average as 79.39% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 34.82 | ||
| 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.
VLYPN's earnings are expected to grow with 26.90% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.72
PEG (5Y)N/A
EPS Next 2Y36.61%
EPS Next 3Y26.9%
5. Dividend
5.1 Amount
VLYPN has a Yearly Dividend Yield of 4.55%, which is a nice return.
VLYPN's Dividend Yield is rather good when compared to the industry average which is at 3.30. VLYPN pays more dividend than 84.22% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, VLYPN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.55% |
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
70.36% of the earnings are spent on dividend by VLYPN. This is not a sustainable payout ratio.
VLYPN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP70.36%
EPS Next 2Y36.61%
EPS Next 3Y26.9%
VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP
NASDAQ:VLYPN (8/25/2025, 8:00:02 PM)
25.9
+0.04 (+0.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners85.8%
Inst Owner ChangeN/A
Ins Owners1.31%
Ins Owner ChangeN/A
Market Cap14.50B
Analysts74.67
Price Target29.02 (12.05%)
Short Float %0%
Short Ratio0.3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.55% |
Yearly Dividend0.47
Dividend Growth(5Y)1.53%
DP70.36%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-7.42%
Min EPS beat(2)-8.83%
Max EPS beat(2)-6%
EPS beat(4)1
Avg EPS beat(4)-11.96%
Min EPS beat(4)-33.43%
Max EPS beat(4)0.43%
EPS beat(8)1
Avg EPS beat(8)-9.15%
EPS beat(12)3
Avg EPS beat(12)-6.21%
EPS beat(16)5
Avg EPS beat(16)-4.89%
Revenue beat(2)1
Avg Revenue beat(2)-0.9%
Min Revenue beat(2)-2.12%
Max Revenue beat(2)0.32%
Revenue beat(4)1
Avg Revenue beat(4)-1.09%
Min Revenue beat(4)-2.49%
Max Revenue beat(4)0.32%
Revenue beat(8)1
Avg Revenue beat(8)-1.9%
Revenue beat(12)3
Avg Revenue beat(12)-1.44%
Revenue beat(16)7
Avg Revenue beat(16)-0.86%
PT rev (1m)-2.11%
PT rev (3m)-3.62%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.03%
EPS NY rev (1m)1.08%
EPS NY rev (3m)0.32%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.31%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.97 | ||
| Fwd PE | 22.03 | ||
| P/S | 7.76 | ||
| P/FCF | 34.82 | ||
| P/OCF | 33.56 | ||
| P/B | 1.93 | ||
| P/tB | 2.63 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.72
EY2.78%
EPS(NY)1.18
Fwd EY4.54%
FCF(TTM)0.74
FCFY2.87%
OCF(TTM)0.77
OCFY2.98%
SpS3.34
BVpS13.4
TBVpS9.84
PEG (NY)0.72
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.59% | ||
| ROE | 4.88% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 19.57% | ||
| GM | N/A | ||
| FCFM | 22.27% |
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
ROICexcg growth 3YN/A
ROICexcg 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-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.84 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 20.32% | ||
| Cap/Sales | 0.83% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 113.81% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC15.07%
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)-10%
EPS 3Y-18.41%
EPS 5Y-7.49%
EPS Q2Q%76.92%
EPS Next Y49.94%
EPS Next 2Y36.61%
EPS Next 3Y26.9%
EPS Next 5YN/A
Revenue 1Y (TTM)4.51%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%9.3%
Revenue Next Year9.06%
Revenue Next 2Y8.98%
Revenue Next 3Y7.41%
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-30.42%
FCF growth 3Y-12.61%
FCF growth 5Y-18.05%
OCF growth 1Y-34.84%
OCF growth 3Y-13.14%
OCF growth 5Y-17.83%