VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP (VLYPN) Stock Fundamental Analysis
USA - NASDAQ:VLYPN - US9197944047
26.03 USD
-0.01 (-0.04%)
We assign a fundamental rating of 3 out of 10 to VLYPN. VLYPN was compared to 392 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
In the past year VLYPN was profitable.
In the past year VLYPN had a positive cash flow from operations.
In the past 5 years VLYPN has always been profitable.
VLYPN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.68%, VLYPN is doing worse than 63.78% of the companies in the same industry.
VLYPN has a Return On Equity of 5.62%. This is in the lower half of the industry: VLYPN underperforms 73.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.68% | ||
| ROE | 5.62% | ||
| 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 (22.27%) which is in line with its industry peers.
In the last couple of years the Profit Margin of VLYPN has declined.
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) | 22.27% | ||
| 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.
Compared to 1 year ago, VLYPN has about the same debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of VLYPN is 1.55, which is an excellent value as it means it would take VLYPN, only 1.55 years of fcf income to pay off all of its debts.
VLYPN has a Debt to FCF ratio (1.55) which is in line with 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.
With a decent Debt to Equity ratio value of 0.07, VLYPN is doing good in the industry, outperforming 75.77% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.94%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
VLYPN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -10.00%.
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.
The Revenue has been growing slightly by 4.51% in the past 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
The Earnings Per Share is expected to grow by 28.60% on average over the next years. This is a very strong growth
VLYPN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.41% yearly.
EPS Next Y50.01%
EPS Next 2Y37.17%
EPS Next 3Y28.6%
EPS Next 5YN/A
Revenue Next Year8.95%
Revenue Next 2Y9.23%
Revenue Next 3Y8.41%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 36.15, the valuation of VLYPN can be described as expensive.
86.22% of the companies in the same industry are cheaper than VLYPN, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.91. VLYPN is valued slightly more expensive when compared to this.
Based on the Price/Forward Earnings ratio of 21.96, the valuation of VLYPN can be described as rather expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of VLYPN indicates a slightly more expensive valuation: VLYPN is more expensive than 79.34% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.30, VLYPN is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 36.15 | ||
| Fwd PE | 21.96 |
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 79.85% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 40.34 | ||
| 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 28.60% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.72
PEG (5Y)N/A
EPS Next 2Y37.17%
EPS Next 3Y28.6%
5. Dividend
5.1 Amount
VLYPN has a Yearly Dividend Yield of 4.16%, which is a nice return.
VLYPN's Dividend Yield is a higher than the industry average which is at 3.59.
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 | 4.16% |
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
62.54% of the earnings are spent on dividend by VLYPN. This is not a sustainable payout ratio.
The dividend of VLYPN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP62.54%
EPS Next 2Y37.17%
EPS Next 3Y28.6%
VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP
NASDAQ:VLYPN (10/8/2025, 8:19:12 PM)
26.03
-0.01 (-0.04%)
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 Cap14.57B
Analysts81.18
Price Target30.49 (17.13%)
Short Float %0%
Short Ratio0.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.16% |
Yearly Dividend0.47
Dividend Growth(5Y)1.53%
DP62.54%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.55%
Min EPS beat(2)-6%
Max EPS beat(2)2.9%
EPS beat(4)2
Avg EPS beat(4)-2.88%
Min EPS beat(4)-8.83%
Max EPS beat(4)2.9%
EPS beat(8)2
Avg EPS beat(8)-8.33%
EPS beat(12)3
Avg EPS beat(12)-6.87%
EPS beat(16)6
Avg EPS beat(16)-4.68%
Revenue beat(2)0
Avg Revenue beat(2)-1.33%
Min Revenue beat(2)-2.12%
Max Revenue beat(2)-0.55%
Revenue beat(4)1
Avg Revenue beat(4)-0.6%
Min Revenue beat(4)-2.12%
Max Revenue beat(4)0.32%
Revenue beat(8)1
Avg Revenue beat(8)-1.5%
Revenue beat(12)2
Avg Revenue beat(12)-2.04%
Revenue beat(16)6
Avg Revenue beat(16)-0.95%
PT rev (1m)5.07%
PT rev (3m)-1.72%
EPS NQ rev (1m)-0.58%
EPS NQ rev (3m)0.8%
EPS NY rev (1m)0.05%
EPS NY rev (3m)0.37%
Revenue NQ rev (1m)-0.26%
Revenue NQ rev (3m)-0.82%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)-0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 36.15 | ||
| Fwd PE | 21.96 | ||
| P/S | 7.62 | ||
| P/FCF | 40.34 | ||
| P/OCF | 38.64 | ||
| P/B | 1.92 | ||
| P/tB | 2.61 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.72
EY2.77%
EPS(NY)1.19
Fwd EY4.55%
FCF(TTM)0.65
FCFY2.48%
OCF(TTM)0.67
OCFY2.59%
SpS3.41
BVpS13.53
TBVpS9.99
PEG (NY)0.72
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.68% | ||
| ROE | 5.62% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.27% | ||
| GM | N/A | ||
| FCFM | 18.89% |
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-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.55 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 21.31% | ||
| Cap/Sales | 0.83% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 84.83% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.94%
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 Y50.01%
EPS Next 2Y37.17%
EPS Next 3Y28.6%
EPS Next 5YN/A
Revenue 1Y (TTM)4.51%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%9.3%
Revenue Next Year8.95%
Revenue Next 2Y9.23%
Revenue Next 3Y8.41%
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-56.09%
FCF growth 3Y-12.61%
FCF growth 5Y-18.05%
OCF growth 1Y-58.36%
OCF growth 3Y-13.14%
OCF growth 5Y-17.83%