VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP (VLYPN) Stock Fundamental Analysis
NASDAQ:VLYPN - Nasdaq - US9197944047 - Currency: USD
Overall VLYPN gets a fundamental rating of 3 out of 10. We evaluated VLYPN against 398 industry peers in the Banks industry. VLYPN has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
VLYPN had positive earnings in each of the past 5 years.
Each year in the past 5 years VLYPN had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.57%, VLYPN is doing worse than 69.85% of the companies in the same industry.
VLYPN has a worse Return On Equity (4.83%) than 78.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.57% | ||
| ROE | 4.83% | ||
| 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 19.44%. This is in the lower half of the industry: VLYPN underperforms 64.57% of its industry peers.
VLYPN's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for VLYPN so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 19.44% | ||
| 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
The number of shares outstanding for VLYPN has been increased compared to 5 years ago.
The debt/assets ratio for VLYPN has remained at the same level compared to a year ago.
2.2 Solvency
VLYPN has a debt to FCF ratio of 1.46. This is a very positive value and a sign of high solvency as it would only need 1.46 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.46, VLYPN is in the better half of the industry, outperforming 61.31% of the companies in the same industry.
A Debt/Equity ratio of 0.10 indicates that VLYPN is not too dependend on debt financing.
VLYPN has a Debt to Equity ratio of 0.10. This is in the better half of the industry: VLYPN outperforms 70.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.46 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.18%
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 -34.74% in the last year.
Measured over the past years, VLYPN shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.49% on average per year.
Looking at the last year, VLYPN shows a small growth in Revenue. The Revenue has grown by 0.73% in the last 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)-34.74%
EPS 3Y-18.41%
EPS 5Y-7.49%
EPS Q2Q%-5.26%
Revenue 1Y (TTM)0.73%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%5.43%
3.2 Future
The Earnings Per Share is expected to grow by 22.57% on average over the next years. This is a very strong growth
VLYPN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.97% yearly.
EPS Next Y50.94%
EPS Next 2Y36.29%
EPS Next 3Y22.57%
EPS Next 5YN/A
Revenue Next Year9.97%
Revenue Next 2Y9.32%
Revenue Next 3Y6.97%
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
Based on the Price/Earnings ratio of 40.37, the valuation of VLYPN can be described as expensive.
Based on the Price/Earnings ratio, VLYPN is valued more expensive than 86.68% of the companies in the same industry.
VLYPN is valuated rather expensively when we compare the Price/Earnings ratio to 27.75, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 21.39, VLYPN is valued on the expensive side.
Based on the Price/Forward Earnings ratio, VLYPN is valued a bit more expensive than the industry average as 78.39% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 20.49. VLYPN is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.37 | ||
| Fwd PE | 21.39 |
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 78.64% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 26.33 | ||
| 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.
A more expensive valuation may be justified as VLYPN's earnings are expected to grow with 22.57% in the coming years.
PEG (NY)0.79
PEG (5Y)N/A
EPS Next 2Y36.29%
EPS Next 3Y22.57%
5. Dividend
5.1 Amount
VLYPN has a Yearly Dividend Yield of 5.05%, which is a nice return.
VLYPN's Dividend Yield is rather good when compared to the industry average which is at 3.52. VLYPN pays more dividend than 86.68% of the companies in the same industry.
VLYPN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.05% |
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
5.3 Sustainability
69.54% 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.
DP69.54%
EPS Next 2Y36.29%
EPS Next 3Y22.57%
VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP
NASDAQ:VLYPN (5/1/2025, 9:35:23 PM)
25.03
+0.03 (+0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners82.79%
Inst Owner ChangeN/A
Ins Owners1.34%
Ins Owner ChangeN/A
Market Cap14.02B
Analysts75.71
Price Target32.25 (28.85%)
Short Float %0%
Short Ratio0.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.05% |
Yearly Dividend0.47
Dividend Growth(5Y)1.53%
DP69.54%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.2%
Min EPS beat(2)-8.83%
Max EPS beat(2)0.43%
EPS beat(4)1
Avg EPS beat(4)-12.04%
Min EPS beat(4)-33.43%
Max EPS beat(4)0.43%
EPS beat(8)1
Avg EPS beat(8)-9.7%
EPS beat(12)4
Avg EPS beat(12)-5.69%
EPS beat(16)5
Avg EPS beat(16)-4.73%
Revenue beat(2)1
Avg Revenue beat(2)0.13%
Min Revenue beat(2)-0.06%
Max Revenue beat(2)0.32%
Revenue beat(4)1
Avg Revenue beat(4)-0.81%
Min Revenue beat(4)-2.49%
Max Revenue beat(4)0.32%
Revenue beat(8)1
Avg Revenue beat(8)-2.47%
Revenue beat(12)4
Avg Revenue beat(12)-1.24%
Revenue beat(16)7
Avg Revenue beat(16)-0.99%
PT rev (1m)5.59%
PT rev (3m)-2.15%
EPS NQ rev (1m)-0.63%
EPS NQ rev (3m)-3.35%
EPS NY rev (1m)-0.76%
EPS NY rev (3m)3.94%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)2.36%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)2.45%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.37 | ||
| Fwd PE | 21.39 | ||
| P/S | 7.59 | ||
| P/FCF | 26.33 | ||
| P/OCF | 25.55 | ||
| P/B | 1.89 | ||
| P/tB | 2.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.62
EY2.48%
EPS(NY)1.17
Fwd EY4.68%
FCF(TTM)0.95
FCFY3.8%
OCF(TTM)0.98
OCFY3.91%
SpS3.3
BVpS13.28
TBVpS9.71
PEG (NY)0.79
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.57% | ||
| ROE | 4.83% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 19.44% | ||
| GM | N/A | ||
| FCFM | 28.84% |
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-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.46 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 20.48% | ||
| Cap/Sales | 0.87% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 148.34% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC15.18%
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)-34.74%
EPS 3Y-18.41%
EPS 5Y-7.49%
EPS Q2Q%-5.26%
EPS Next Y50.94%
EPS Next 2Y36.29%
EPS Next 3Y22.57%
EPS Next 5YN/A
Revenue 1Y (TTM)0.73%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%5.43%
Revenue Next Year9.97%
Revenue Next 2Y9.32%
Revenue Next 3Y6.97%
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 1Y76.2%
FCF growth 3Y-12.61%
FCF growth 5Y-18.05%
OCF growth 1Y45.04%
OCF growth 3Y-13.14%
OCF growth 5Y-17.83%