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 394 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
In the past year VLYPN was profitable.
VLYPN had a positive operating cash flow in the past year.
In the past 5 years VLYPN has always been profitable.
Each year in the past 5 years VLYPN had a positive operating cash flow.
1.2 Ratios
VLYPN has a worse Return On Assets (0.59%) than 70.56% of its industry peers.
The Return On Equity of VLYPN (4.88%) is worse than 78.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.59% | ||
| ROE | 4.88% | ||
| 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 19.57%. This is in the lower half of the industry: VLYPN underperforms 65.48% 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) | 19.57% | ||
| 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.
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
VLYPN has a debt to FCF ratio of 1.84. This is a very positive value and a sign of high solvency as it would only need 1.84 years to pay back of all of its debts.
VLYPN's Debt to FCF ratio of 1.84 is in line compared to the rest of the industry. VLYPN outperforms 51.78% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that VLYPN is not too dependend on debt financing.
VLYPN has a better Debt to Equity ratio (0.10) than 69.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.84 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.3%
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 -34.74%.
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.
VLYPN shows a small growth in Revenue. In the last year, the Revenue has grown by 0.73%.
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%5.15%
3.2 Future
VLYPN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 25.59% yearly.
The Revenue is expected to grow by 7.35% on average over the next years.
EPS Next Y48.34%
EPS Next 2Y35.53%
EPS Next 3Y25.59%
EPS Next 5YN/A
Revenue Next Year9.06%
Revenue Next 2Y8.98%
Revenue Next 3Y7.35%
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
A Price/Earnings ratio of 40.92 indicates a quite expensive valuation of VLYPN.
Based on the Price/Earnings ratio, VLYPN is valued expensively inside the industry as 86.80% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of VLYPN to the average of the S&P500 Index (27.19), we can say VLYPN is valued expensively.
The Price/Forward Earnings ratio is 21.92, which indicates a rather expensive current valuation of VLYPN.
79.95% of the companies in the same industry are cheaper than VLYPN, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 35.33. VLYPN is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.92 | ||
| Fwd PE | 21.92 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, VLYPN is valued more expensive than 81.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 34.14 | ||
| 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 25.59% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.85
PEG (5Y)N/A
EPS Next 2Y35.53%
EPS Next 3Y25.59%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.59%, VLYPN is a good candidate for dividend investing.
VLYPN's Dividend Yield is rather good when compared to the industry average which is at 3.31. VLYPN pays more dividend than 84.52% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.35, VLYPN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.59% |
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
70.36% 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.
DP70.36%
EPS Next 2Y35.53%
EPS Next 3Y25.59%
VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP
NASDAQ:VLYPN (7/15/2025, 8:00:01 PM)
25.37
+0.03 (+0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners85.5%
Inst Owner ChangeN/A
Ins Owners1.31%
Ins Owner ChangeN/A
Market Cap14.22B
Analysts74.67
Price Target31.02 (22.27%)
Short Float %0%
Short Ratio0.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.59% |
Yearly Dividend0.47
Dividend Growth(5Y)1.53%
DP70.36%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-7.42%
Min EPS beat(2)-8.83%
Max EPS beat(2)-6%
EPS beat(4)1
Avg EPS beat(4)-11.96%
Min EPS beat(4)-33.43%
Max EPS beat(4)0.43%
EPS beat(8)1
Avg EPS beat(8)-9.15%
EPS beat(12)3
Avg EPS beat(12)-6.21%
EPS beat(16)5
Avg EPS beat(16)-4.89%
Revenue beat(2)1
Avg Revenue beat(2)-0.9%
Min Revenue beat(2)-2.12%
Max Revenue beat(2)0.32%
Revenue beat(4)1
Avg Revenue beat(4)-1.09%
Min Revenue beat(4)-2.49%
Max Revenue beat(4)0.32%
Revenue beat(8)1
Avg Revenue beat(8)-1.9%
Revenue beat(12)3
Avg Revenue beat(12)-1.44%
Revenue beat(16)7
Avg Revenue beat(16)-0.86%
PT rev (1m)3.08%
PT rev (3m)-4.37%
EPS NQ rev (1m)-0.58%
EPS NQ rev (3m)-0.67%
EPS NY rev (1m)-0.75%
EPS NY rev (3m)-2.47%
Revenue NQ rev (1m)-0.28%
Revenue NQ rev (3m)-1.74%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)-0.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.92 | ||
| Fwd PE | 21.92 | ||
| P/S | 7.6 | ||
| P/FCF | 34.14 | ||
| P/OCF | 32.91 | ||
| P/B | 1.9 | ||
| P/tB | 2.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.62
EY2.44%
EPS(NY)1.16
Fwd EY4.56%
FCF(TTM)0.74
FCFY2.93%
OCF(TTM)0.77
OCFY3.04%
SpS3.34
BVpS13.38
TBVpS9.83
PEG (NY)0.85
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.59% | ||
| ROE | 4.88% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 19.57% | ||
| GM | N/A | ||
| FCFM | 22.27% |
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-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.84 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 20.32% | ||
| Cap/Sales | 0.83% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 113.81% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC15.3%
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 Y48.34%
EPS Next 2Y35.53%
EPS Next 3Y25.59%
EPS Next 5YN/A
Revenue 1Y (TTM)0.73%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%5.15%
Revenue Next Year9.06%
Revenue Next 2Y8.98%
Revenue Next 3Y7.35%
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-30.42%
FCF growth 3Y-12.61%
FCF growth 5Y-18.05%
OCF growth 1Y-34.84%
OCF growth 3Y-13.14%
OCF growth 5Y-17.83%