VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP (VLYPN) Stock Fundamental Analysis
USA - NASDAQ:VLYPN - US9197944047
25.59 USD
-0.03 (-0.12%)
Taking everything into account, VLYPN scores 3 out of 10 in our fundamental rating. VLYPN was compared to 390 industry peers in the Banks industry. VLYPN may be in some trouble as it scores bad on both profitability and health. 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 worse Return On Assets (0.68%) than 64.36% of its industry peers.
VLYPN's Return On Equity of 5.62% is on the low side compared to the rest of the industry. VLYPN is outperformed by 74.10% 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
Looking at the Profit Margin, with a value of 22.27%, VLYPN is in line with its industry, outperforming 43.08% of the companies in the same industry.
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.
VLYPN has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, VLYPN has more shares outstanding
VLYPN has about the same debt/assets ratio as last year.
2.2 Solvency
VLYPN has a debt to FCF ratio of 1.55. This is a very positive value and a sign of high solvency as it would only need 1.55 years to pay back of all of its debts.
With a Debt to FCF ratio value of 1.55, VLYPN perfoms like the industry average, outperforming 57.18% of the companies in the same industry.
A Debt/Equity ratio of 0.07 indicates that VLYPN is not too dependend on debt financing.
The Debt to Equity ratio of VLYPN (0.07) is better than 75.90% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.01%
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.
The Earnings Per Share has been decreasing by -7.49% on average over the past years.
The Revenue has been growing slightly by 7.52% in the past 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
VLYPN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 28.85% yearly.
Based on estimates for the next years, VLYPN will show a quite strong growth in Revenue. The Revenue will grow by 8.50% on average per year.
EPS Next Y50%
EPS Next 2Y37.84%
EPS Next 3Y28.85%
EPS Next 5YN/A
Revenue Next Year8.95%
Revenue Next 2Y9.23%
Revenue Next 3Y8.5%
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
The Price/Earnings ratio is 31.21, which means the current valuation is very expensive for VLYPN.
84.87% 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 26.51. VLYPN is around the same levels.
With a Price/Forward Earnings ratio of 21.38, 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 79.23% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of VLYPN to the average of the S&P500 Index (22.53), we can say VLYPN is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.21 | ||
| Fwd PE | 21.38 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of VLYPN indicates a rather expensive valuation: VLYPN more expensive than 80.26% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 39.66 | ||
| 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 28.85% in the coming years.
PEG (NY)0.62
PEG (5Y)N/A
EPS Next 2Y37.84%
EPS Next 3Y28.85%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.06%, VLYPN is a good candidate for dividend investing.
VLYPN's Dividend Yield is a higher than the industry average which is at 3.44.
VLYPN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.06% |
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
VLYPN pays out 62.54% of its income as dividend. 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 2Y37.84%
EPS Next 3Y28.85%
VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP
NASDAQ:VLYPN (11/3/2025, 8:00:02 PM)
25.59
-0.03 (-0.12%)
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 Cap14.32B
Revenue(TTM)1.96B
Net Income(TTM)425.75M
Analysts81.18
Price Target30.96 (20.98%)
Short Float %0%
Short Ratio0.45
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.06% |
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)11.74%
PT rev (3m)4.43%
EPS NQ rev (1m)0.07%
EPS NQ rev (3m)-0.19%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)1.12%
Revenue NQ rev (1m)-0.24%
Revenue NQ rev (3m)-0.31%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.21 | ||
| Fwd PE | 21.38 | ||
| P/S | 7.49 | ||
| P/FCF | 39.66 | ||
| P/OCF | 37.99 | ||
| P/B | 1.89 | ||
| P/tB | 2.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.82
EY3.2%
EPS(NY)1.2
Fwd EY4.68%
FCF(TTM)0.65
FCFY2.52%
OCF(TTM)0.67
OCFY2.63%
SpS3.41
BVpS13.53
TBVpS9.99
PEG (NY)0.62
PEG (5Y)N/A
Graham Number15.8
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
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-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
WACC15.01%
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 Y50%
EPS Next 2Y37.84%
EPS Next 3Y28.85%
EPS Next 5YN/A
Revenue 1Y (TTM)7.52%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%8.48%
Revenue Next Year8.95%
Revenue Next 2Y9.23%
Revenue Next 3Y8.5%
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%
VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP / VLYPN FAQ
What is the fundamental rating for VLYPN stock?
ChartMill assigns a fundamental rating of 3 / 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 2 / 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 31.21 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 50% in the next year.