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VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP (VLYPN) Stock Fundamental Analysis

NASDAQ:VLYPN - Nasdaq - US9197944047 - Currency: USD

24.76  -0.51 (-2.02%)

Fundamental Rating

3

Taking everything into account, VLYPN scores 3 out of 10 in our fundamental rating. VLYPN was compared to 396 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.


Dividend Valuation Growth Profitability Health

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2

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.
Each year in the past 5 years VLYPN has been profitable.
VLYPN had a positive operating cash flow in each of the past 5 years.
VLYPN Yearly Net Income VS EBIT VS OCF VS FCFVLYPN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

1.2 Ratios

With a Return On Assets value of 0.59%, VLYPN is not doing good in the industry: 70.45% of the companies in the same industry are doing better.
VLYPN has a Return On Equity of 4.88%. This is in the lower half of the industry: VLYPN underperforms 78.54% of its industry peers.
Industry RankSector 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
VLYPN Yearly ROA, ROE, ROICVLYPN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

The Profit Margin of VLYPN (19.57%) 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 RankSector 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
VLYPN Yearly Profit, Operating, Gross MarginsVLYPN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

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.
Compared to 1 year ago, VLYPN has about the same debt to assets ratio.
VLYPN Yearly Shares OutstandingVLYPN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
VLYPN Yearly Total Debt VS Total AssetsVLYPN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

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.
With a Debt to FCF ratio value of 1.84, VLYPN perfoms like the industry average, outperforming 51.77% of the companies in the same industry.
A Debt/Equity ratio of 0.10 indicates that VLYPN is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.10, VLYPN is in the better half of the industry, outperforming 69.95% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.84
Altman-Z N/A
ROIC/WACCN/A
WACC15.44%
VLYPN Yearly LT Debt VS Equity VS FCFVLYPN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
VLYPN Yearly Current Assets VS Current LiabilitesVLYPN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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4

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.
The Revenue has been growing slightly by 0.73% 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)-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

Based on estimates for the next years, VLYPN will show a very strong growth in Earnings Per Share. The EPS will grow by 25.72% on average per year.
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.
VLYPN Yearly Revenue VS EstimatesVLYPN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
VLYPN Yearly EPS VS EstimatesVLYPN Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8 1

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 39.94, which means the current valuation is very expensive for VLYPN.
Compared to the rest of the industry, the Price/Earnings ratio of VLYPN indicates a rather expensive valuation: VLYPN more expensive than 86.87% of the companies listed in the same industry.
VLYPN's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.31.
A Price/Forward Earnings ratio of 21.30 indicates a rather expensive valuation of VLYPN.
Based on the Price/Forward Earnings ratio, VLYPN is valued a bit more expensive than the industry average as 79.55% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.13, VLYPN is valued at the same level.
Industry RankSector Rank
PE 39.94
Fwd PE 21.3
VLYPN Price Earnings VS Forward Price EarningsVLYPN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

82.07% of the companies in the same industry are cheaper than VLYPN, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 33.32
EV/EBITDA N/A
VLYPN Per share dataVLYPN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

VLYPN's 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 25.72% in the coming years.
PEG (NY)0.81
PEG (5Y)N/A
EPS Next 2Y35.83%
EPS Next 3Y25.72%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.93%, VLYPN is a good candidate for dividend investing.
VLYPN's Dividend Yield is rather good when compared to the industry average which is at 3.48. VLYPN pays more dividend than 85.10% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, VLYPN pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.93%

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
VLYPN Yearly Dividends per shareVLYPN Yearly Dividends per shareYearly Dividends per share 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

VLYPN pays out 70.36% 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.
DP70.36%
EPS Next 2Y35.83%
EPS Next 3Y25.72%
VLYPN Yearly Income VS Free CF VS DividendVLYPN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B
VLYPN Dividend Payout.VLYPN Dividend Payout, showing the Payout Ratio.VLYPN Dividend Payout.PayoutRetained Earnings

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VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP

NASDAQ:VLYPN (6/13/2025, 8:00:02 PM)

24.76

-0.51 (-2.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/bmo
Earnings (Next)07-24 2025-07-24/bmo
Inst Owners85.5%
Inst Owner ChangeN/A
Ins Owners1.31%
Ins Owner ChangeN/A
Market Cap13.87B
Analysts75.71
Price Target30.1 (21.57%)
Short Float %0%
Short Ratio0.19
Dividend
Industry RankSector Rank
Dividend Yield 4.93%
Yearly Dividend0.47
Dividend Growth(5Y)1.53%
DP70.36%
Div Incr Years0
Div Non Decr Years0
Ex-Date06-13 2025-06-13 (0.515625)
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)-0.04%
PT rev (3m)-1.47%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.58%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.97%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.41%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.83%
Valuation
Industry RankSector Rank
PE 39.94
Fwd PE 21.3
P/S 7.42
P/FCF 33.32
P/OCF 32.12
P/B 1.85
P/tB 2.52
EV/EBITDA N/A
EPS(TTM)0.62
EY2.5%
EPS(NY)1.16
Fwd EY4.69%
FCF(TTM)0.74
FCFY3%
OCF(TTM)0.77
OCFY3.11%
SpS3.34
BVpS13.38
TBVpS9.83
PEG (NY)0.81
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC15.44%
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 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%