VALLEY NATIONAL BANCORP - VLY 7.54035 PERP (VLYPO) Fundamental Analysis & Valuation

NASDAQ:VLYPO • US9197943056

Current stock price

24.76 USD
+0.21 (+0.86%)
Last:

This VLYPO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. VLYPO Profitability Analysis

1.1 Basic Checks

  • In the past year VLYPO was profitable.
  • In the past year VLYPO had a positive cash flow from operations.
  • Each year in the past 5 years VLYPO has been profitable.
  • Each year in the past 5 years VLYPO had a positive operating cash flow.
VLYPO Yearly Net Income VS EBIT VS OCF VS FCFVLYPO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B

1.2 Ratios

  • VLYPO has a Return On Assets of 0.89%. This is comparable to the rest of the industry: VLYPO outperforms 41.84% of its industry peers.
  • VLYPO's Return On Equity of 7.29% is on the low side compared to the rest of the industry. VLYPO is outperformed by 69.21% of its industry peers.
Industry RankSector Rank
ROA 0.89%
ROE 7.29%
ROIC N/A
ROA(3y)0.75%
ROA(5y)0.86%
ROE(3y)6.44%
ROE(5y)7.41%
ROIC(3y)N/A
ROIC(5y)N/A
VLYPO Yearly ROA, ROE, ROICVLYPO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • Looking at the Profit Margin, with a value of 28.09%, VLYPO is in the better half of the industry, outperforming 65.53% of the companies in the same industry.
  • In the last couple of years the Profit Margin of VLYPO has remained more or less at the same level.
  • The Operating Margin and Gross Margin are not available for VLYPO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 28.09%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.99%
PM growth 5Y-0.66%
GM growth 3YN/A
GM growth 5YN/A
VLYPO Yearly Profit, Operating, Gross MarginsVLYPO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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3

2. VLYPO Health Analysis

2.1 Basic Checks

  • VLYPO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, VLYPO has less shares outstanding
  • VLYPO has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, VLYPO has an improved debt to assets ratio.
VLYPO Yearly Shares OutstandingVLYPO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M
VLYPO Yearly Total Debt VS Total AssetsVLYPO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.2 Solvency

  • VLYPO has a debt to FCF ratio of 1.82. This is a very positive value and a sign of high solvency as it would only need 1.82 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 1.82, VLYPO perfoms like the industry average, outperforming 51.84% of the companies in the same industry.
  • A Debt/Equity ratio of 0.08 indicates that VLYPO is not too dependend on debt financing.
  • VLYPO's Debt to Equity ratio of 0.08 is fine compared to the rest of the industry. VLYPO outperforms 75.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.82
Altman-Z N/A
ROIC/WACCN/A
WACC14.85%
VLYPO Yearly LT Debt VS Equity VS FCFVLYPO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
VLYPO Yearly Current Assets VS Current LiabilitesVLYPO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. VLYPO Growth Analysis

3.1 Past

  • VLYPO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 58.73%, which is quite impressive.
  • VLYPO shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.82% yearly.
  • VLYPO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.75%.
  • Measured over the past years, VLYPO shows a quite strong growth in Revenue. The Revenue has been growing by 9.25% on average per year.
EPS 1Y (TTM)58.73%
EPS 3Y-8.37%
EPS 5Y0.82%
EPS Q2Q%138.46%
Revenue 1Y (TTM)9.75%
Revenue growth 3Y2.84%
Revenue growth 5Y9.25%
Sales Q2Q%14.14%

3.2 Future

  • VLYPO is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.75% yearly.
  • VLYPO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.93% yearly.
EPS Next Y27.89%
EPS Next 2Y23.03%
EPS Next 3Y18.75%
EPS Next 5YN/A
Revenue Next Year12.16%
Revenue Next 2Y10.37%
Revenue Next 3Y8.93%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
VLYPO Yearly Revenue VS EstimatesVLYPO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B 2.5B
VLYPO Yearly EPS VS EstimatesVLYPO Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5

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2

4. VLYPO Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 24.76, VLYPO is valued on the expensive side.
  • Based on the Price/Earnings ratio, VLYPO is valued expensively inside the industry as 86.05% of the companies are valued cheaper.
  • The average S&P500 Price/Earnings ratio is at 25.60. VLYPO is around the same levels.
  • VLYPO is valuated rather expensively with a Price/Forward Earnings ratio of 19.36.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of VLYPO indicates a slightly more expensive valuation: VLYPO is more expensive than 78.42% of the companies listed in the same industry.
  • VLYPO's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 22.84.
Industry RankSector Rank
PE 24.76
Fwd PE 19.36
VLYPO Price Earnings VS Forward Price EarningsVLYPO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, VLYPO is valued more expensive than 81.58% of the companies in the same industry.
Industry RankSector Rank
P/FCF 42.22
EV/EBITDA N/A
VLYPO Per share dataVLYPO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

  • VLYPO'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 VLYPO's earnings are expected to grow with 18.75% in the coming years.
PEG (NY)0.89
PEG (5Y)30.2
EPS Next 2Y23.03%
EPS Next 3Y18.75%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. VLYPO Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.68%, VLYPO has a reasonable but not impressive dividend return.
  • VLYPO's Dividend Yield is a higher than the industry average which is at 2.72.
  • VLYPO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 3.68%

5.2 History

  • The dividend of VLYPO has a limited annual growth rate of 1.06%.
  • VLYPO has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)1.06%
Div Incr Years0
Div Non Decr Years0
VLYPO Yearly Dividends per shareVLYPO Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • VLYPO pays out 48.83% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of VLYPO is growing, but earnings are growing more, so the dividend growth is sustainable.
DP48.83%
EPS Next 2Y23.03%
EPS Next 3Y18.75%
VLYPO Yearly Income VS Free CF VS DividendVLYPO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B
VLYPO Dividend Payout.VLYPO Dividend Payout, showing the Payout Ratio.VLYPO Dividend Payout.PayoutRetained Earnings

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VLYPO Fundamentals: All Metrics, Ratios and Statistics

VALLEY NATIONAL BANCORP - VLY 7.54035 PERP

NASDAQ:VLYPO (4/2/2026, 8:00:30 PM)

24.76

+0.21 (+0.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-23
Inst Owners89.4%
Inst Owner ChangeN/A
Ins Owners1.39%
Ins Owner ChangeN/A
Market Cap13.75B
Revenue(TTM)2.03B
Net Income(TTM)569.00M
Analysts82.22
Price Target28.87 (16.6%)
Short Float %0%
Short Ratio0.14
Dividend
Industry RankSector Rank
Dividend Yield 3.68%
Yearly Dividend0.5
Dividend Growth(5Y)1.06%
DP48.83%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.12%
Min EPS beat(2)6.57%
Max EPS beat(2)7.66%
EPS beat(4)3
Avg EPS beat(4)2.78%
Min EPS beat(4)-6%
Max EPS beat(4)7.66%
EPS beat(8)4
Avg EPS beat(8)-4.63%
EPS beat(12)4
Avg EPS beat(12)-5.54%
EPS beat(16)7
Avg EPS beat(16)-3.57%
Revenue beat(2)1
Avg Revenue beat(2)0.6%
Min Revenue beat(2)-0.94%
Max Revenue beat(2)2.14%
Revenue beat(4)1
Avg Revenue beat(4)-0.37%
Min Revenue beat(4)-2.12%
Max Revenue beat(4)2.14%
Revenue beat(8)2
Avg Revenue beat(8)-0.59%
Revenue beat(12)2
Avg Revenue beat(12)-1.77%
Revenue beat(16)5
Avg Revenue beat(16)-1.02%
PT rev (1m)0%
PT rev (3m)0.82%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.05%
EPS NY rev (1m)0%
EPS NY rev (3m)1.98%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.85%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)1.88%
Valuation
Industry RankSector Rank
PE 24.76
Fwd PE 19.36
P/S 6.79
P/FCF 42.22
P/OCF 40
P/B 1.76
P/tB 2.36
EV/EBITDA N/A
EPS(TTM)1
EY4.04%
EPS(NY)1.28
Fwd EY5.17%
FCF(TTM)0.59
FCFY2.37%
OCF(TTM)0.62
OCFY2.5%
SpS3.65
BVpS14.06
TBVpS10.51
PEG (NY)0.89
PEG (5Y)30.2
Graham Number17.78
Profitability
Industry RankSector Rank
ROA 0.89%
ROE 7.29%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.09%
GM N/A
FCFM 16.08%
ROA(3y)0.75%
ROA(5y)0.86%
ROE(3y)6.44%
ROE(5y)7.41%
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-1.99%
PM growth 5Y-0.66%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.82
Debt/EBITDA N/A
Cap/Depr 26.34%
Cap/Sales 0.89%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 57.25%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.85%
ROIC/WACCN/A
Cap/Depr(3y)46.07%
Cap/Depr(5y)50.39%
Cap/Sales(3y)1.93%
Cap/Sales(5y)2.48%
Profit Quality(3y)89.41%
Profit Quality(5y)137.17%
High Growth Momentum
Growth
EPS 1Y (TTM)58.73%
EPS 3Y-8.37%
EPS 5Y0.82%
EPS Q2Q%138.46%
EPS Next Y27.89%
EPS Next 2Y23.03%
EPS Next 3Y18.75%
EPS Next 5YN/A
Revenue 1Y (TTM)9.75%
Revenue growth 3Y2.84%
Revenue growth 5Y9.25%
Sales Q2Q%14.14%
Revenue Next Year12.16%
Revenue Next 2Y10.37%
Revenue Next 3Y8.93%
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-38.82%
FCF growth 3Y-37.89%
FCF growth 5Y20.75%
OCF growth 1Y-37.32%
OCF growth 3Y-37.8%
OCF growth 5Y17.81%

VALLEY NATIONAL BANCORP - VLY 7.54035 PERP / VLYPO Fundamental Analysis FAQ

What is the ChartMill fundamental rating of VALLEY NATIONAL BANCORP - VLY 7.54035 PERP (VLYPO) stock?

ChartMill assigns a fundamental rating of 4 / 10 to VLYPO.


What is the valuation status for VLYPO stock?

ChartMill assigns a valuation rating of 2 / 10 to VALLEY NATIONAL BANCORP - VLY 7.54035 PERP (VLYPO). This can be considered as Overvalued.


Can you provide the profitability details for VALLEY NATIONAL BANCORP - VLY 7.54035 PERP?

VALLEY NATIONAL BANCORP - VLY 7.54035 PERP (VLYPO) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for VLYPO stock?

The Price/Earnings (PE) ratio for VALLEY NATIONAL BANCORP - VLY 7.54035 PERP (VLYPO) is 24.76 and the Price/Book (PB) ratio is 1.76.


Can you provide the financial health for VLYPO stock?

The financial health rating of VALLEY NATIONAL BANCORP - VLY 7.54035 PERP (VLYPO) is 3 / 10.