26.05 USD
+0.13 (+0.5%)
VLYPN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. VLYPN has a bad profitability rating. Also its financial health evaluation is rather negative. VLYPN is valied quite expensively at the moment, while it does show a decent growth rate.
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.
In the past 5 years VLYPN has always been profitable.
In the past 5 years VLYPN always reported a positive cash flow from operatings.
1.2 Ratios
VLYPN has a Return On Assets (0.78%) which is comparable to the rest of the industry.
VLYPN has a Return On Equity of 6.36%. This is in the lower half of the industry: VLYPN underperforms 70.28% 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 54.78% of its industry peers.
VLYPN's Profit Margin has declined 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 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
VLYPN has more shares outstanding than it did 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 1.05, which is an excellent value as it means it would take VLYPN, only 1.05 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.05, VLYPN is in the better half of the industry, outperforming 64.34% of the companies in the same industry.
VLYPN has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of VLYPN (0.07) is better than 75.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.05 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.86%
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.
Looking at the last year, VLYPN shows a small growth in Revenue. The Revenue has grown by 7.52% in the last year.
VLYPN 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, VLYPN will show a very strong growth in Earnings Per Share. The EPS will grow by 31.35% on average per year.
VLYPN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.86% yearly.
EPS Next Y54.55%
EPS Next 2Y40.97%
EPS Next 3Y31.35%
EPS Next 5YN/A
Revenue Next Year8.85%
Revenue Next 2Y9.47%
Revenue Next 3Y8.86%
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.
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
The Price/Earnings ratio is 31.77, which means the current valuation is very expensive for VLYPN.
Based on the Price/Earnings ratio, VLYPN is valued expensively inside the industry as 85.27% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of VLYPN to the average of the S&P500 Index (26.31), we can say VLYPN is valued slightly more expensively.
VLYPN is valuated rather expensively with a Price/Forward Earnings ratio of 20.81.
VLYPN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. VLYPN is more expensive than 79.33% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of VLYPN to the average of the S&P500 Index (36.56), we can say VLYPN is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.77 | ||
| Fwd PE | 20.81 |
4.2 Price Multiples
76.49% 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 | 27.72 | ||
| 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 31.35% in the coming years.
PEG (NY)0.58
PEG (5Y)N/A
EPS Next 2Y40.97%
EPS Next 3Y31.35%
5. Dividend
5.1 Amount
VLYPN has a Yearly Dividend Yield of 3.88%.
Compared to an average industry Dividend Yield of 3.15, 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 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.88% |
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.
The dividend of VLYPN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP55.49%
EPS Next 2Y40.97%
EPS Next 3Y31.35%
VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP
NASDAQ:VLYPN (11/28/2025, 8:05:21 PM)
26.05
+0.13 (+0.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners84.41%
Inst Owner ChangeN/A
Ins Owners1.31%
Ins Owner ChangeN/A
Market Cap14.53B
Revenue(TTM)1.96B
Net Income(TTM)489.72M
Analysts81.11
Price Target32.02 (22.92%)
Short Float %0%
Short Ratio0.38
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.88% |
Yearly Dividend0.47
Dividend Growth(5Y)1.53%
DP55.49%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)3.43%
PT rev (3m)10.35%
EPS NQ rev (1m)0.7%
EPS NQ rev (3m)4.37%
EPS NY rev (1m)3.03%
EPS NY rev (3m)3.07%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)-0.05%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)-0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.77 | ||
| Fwd PE | 20.81 | ||
| P/S | 7.42 | ||
| P/FCF | 27.72 | ||
| P/OCF | 26.93 | ||
| P/B | 1.89 | ||
| P/tB | 2.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.82
EY3.15%
EPS(NY)1.25
Fwd EY4.81%
FCF(TTM)0.94
FCFY3.61%
OCF(TTM)0.97
OCFY3.71%
SpS3.51
BVpS13.8
TBVpS10.26
PEG (NY)0.58
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
WACC14.86%
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 Y54.55%
EPS Next 2Y40.97%
EPS Next 3Y31.35%
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 2Y9.47%
Revenue Next 3Y8.86%
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 8 1/4 PERP / VLYPN FAQ
What is the fundamental rating for VLYPN stock?
ChartMill assigns a fundamental rating of 4 / 10 to VLYPN.
Can you provide the valuation status for VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP?
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 3 / 10.
Can you provide the PE and PB ratios for VLYPN stock?
The Price/Earnings (PE) ratio for VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP (VLYPN) is 31.77 and the Price/Book (PB) ratio is 1.89.
Can you provide the expected EPS growth for VLYPN stock?
The Earnings per Share (EPS) of VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP (VLYPN) is expected to grow by 54.55% in the next year.