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 396 industry peers in the Banks industry. VLYPN may be in some trouble as it scores bad on both profitability and health. 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.
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
VLYPN's Return On Assets of 0.57% is on the low side compared to the rest of the industry. VLYPN is outperformed by 70.71% of its industry peers.
VLYPN has a Return On Equity of 4.83%. This is in the lower half of the industry: VLYPN underperforms 78.54% 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
The Profit Margin of VLYPN (19.44%) is worse than 65.40% of 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) | 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.
The number of shares outstanding for VLYPN has been increased compared to 1 year ago.
VLYPN has more shares outstanding than it did 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 1.46, which is an excellent value as it means it would take VLYPN, only 1.46 years of fcf income to pay off all of its debts.
VLYPN has a better Debt to FCF ratio (1.46) than 61.62% of its industry peers.
VLYPN has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.10, VLYPN is doing good in the industry, outperforming 69.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.46 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.39%
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.
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 0.73% 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)-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%5.15%
3.2 Future
The Earnings Per Share is expected to grow by 25.72% on average over the next years. This is a very strong growth
Based on estimates for the next years, VLYPN will show a small growth in Revenue. The Revenue will grow by 7.04% on average per year.
EPS Next Y49.46%
EPS Next 2Y35.83%
EPS Next 3Y25.72%
EPS Next 5YN/A
Revenue Next Year9.17%
Revenue Next 2Y9.03%
Revenue Next 3Y7.04%
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.
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
The Price/Earnings ratio is 40.73, which means the current valuation is very expensive for VLYPN.
Based on the Price/Earnings ratio, VLYPN is valued more expensive than 87.12% of the companies in the same industry.
VLYPN's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 25.82.
A Price/Forward Earnings ratio of 21.72 indicates a rather expensive valuation of VLYPN.
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 79.55% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.76, VLYPN is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.73 | ||
| Fwd PE | 21.72 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, VLYPN is valued a bit more expensive than the industry average as 79.04% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 26.56 | ||
| 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 25.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.82
PEG (5Y)N/A
EPS Next 2Y35.83%
EPS Next 3Y25.72%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.10%, VLYPN is a good candidate for dividend investing.
VLYPN's Dividend Yield is rather good when compared to the industry average which is at 3.34. VLYPN pays more dividend than 86.36% of the companies in the same industry.
VLYPN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.1% |
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 69.54% 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.
DP69.54%
EPS Next 2Y35.83%
EPS Next 3Y25.72%
VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP
NASDAQ:VLYPN (5/23/2025, 9:02:15 PM)
25.25
+0.14 (+0.56%)
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 Cap14.15B
Analysts75.71
Price Target30.11 (19.25%)
Short Float %0%
Short Ratio0.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.1% |
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)-7.19%
PT rev (3m)1.16%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.57%
EPS NY rev (1m)-0.98%
EPS NY rev (3m)-1.97%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.33%
Revenue NY rev (1m)-0.78%
Revenue NY rev (3m)-0.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.73 | ||
| Fwd PE | 21.72 | ||
| P/S | 7.66 | ||
| P/FCF | 26.56 | ||
| P/OCF | 25.78 | ||
| P/B | 1.9 | ||
| P/tB | 2.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.62
EY2.46%
EPS(NY)1.16
Fwd EY4.6%
FCF(TTM)0.95
FCFY3.76%
OCF(TTM)0.98
OCFY3.88%
SpS3.3
BVpS13.28
TBVpS9.71
PEG (NY)0.82
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
WACC15.39%
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 Y49.46%
EPS Next 2Y35.83%
EPS Next 3Y25.72%
EPS Next 5YN/A
Revenue 1Y (TTM)0.73%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%5.15%
Revenue Next Year9.17%
Revenue Next 2Y9.03%
Revenue Next 3Y7.04%
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%