VALLEY NATIONAL BANCORP - VLY 8.43172 PERP (VLYPO) Stock Fundamental Analysis
USA - NASDAQ:VLYPO - US9197943056
25.0401 USD
+0.05 (+0.18%)
VLYPO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. VLYPO has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, VLYPO is valued expensive at the moment. VLYPO also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year VLYPO was profitable.
VLYPO had a positive operating cash flow in the past year.
VLYPO had positive earnings in each of the past 5 years.
Each year in the past 5 years VLYPO had a positive operating cash flow.
1.2 Ratios
VLYPO's Return On Assets of 0.68% is on the low side compared to the rest of the industry. VLYPO is outperformed by 63.17% of its industry peers.
VLYPO has a Return On Equity of 5.62%. This is in the lower half of the industry: VLYPO underperforms 72.89% 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
VLYPO's Profit Margin of 22.27% is in line compared to the rest of the industry. VLYPO outperforms 43.99% of its industry peers.
VLYPO's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for VLYPO 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
VLYPO does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for VLYPO has been increased compared to 1 year ago.
VLYPO has more shares outstanding than it did 5 years ago.
The debt/assets ratio for VLYPO has remained at the same level compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of VLYPO is 1.55, which is an excellent value as it means it would take VLYPO, only 1.55 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.55, VLYPO is in line with its industry, outperforming 57.29% of the companies in the same industry.
A Debt/Equity ratio of 0.07 indicates that VLYPO is not too dependend on debt financing.
The Debt to Equity ratio of VLYPO (0.07) is better than 76.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.04%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
VLYPO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -10.00%.
The Earnings Per Share has been decreasing by -7.49% on average over the past years.
Looking at the last year, VLYPO shows a small growth in Revenue. The Revenue has grown by 4.51% in the last year.
VLYPO shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.66% yearly.
EPS 1Y (TTM)-10%
EPS 3Y-18.41%
EPS 5Y-7.49%
EPS Q2Q%76.92%
Revenue 1Y (TTM)4.51%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%9.3%
3.2 Future
Based on estimates for the next years, VLYPO will show a very strong growth in Earnings Per Share. The EPS will grow by 28.60% on average per year.
Based on estimates for the next years, VLYPO will show a quite strong growth in Revenue. The Revenue will grow by 8.41% on average per year.
EPS Next Y50.01%
EPS Next 2Y37.17%
EPS Next 3Y28.6%
EPS Next 5YN/A
Revenue Next Year8.95%
Revenue Next 2Y9.23%
Revenue Next 3Y8.41%
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
With a Price/Earnings ratio of 34.78, VLYPO can be considered very expensive at the moment.
Based on the Price/Earnings ratio, VLYPO is valued expensively inside the industry as 85.68% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of VLYPO to the average of the S&P500 Index (27.42), we can say VLYPO is valued slightly more expensively.
Based on the Price/Forward Earnings ratio of 21.12, the valuation of VLYPO can be described as rather expensive.
Based on the Price/Forward Earnings ratio, VLYPO is valued a bit more expensive than 78.77% of the companies in the same industry.
VLYPO's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 22.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.78 | ||
| Fwd PE | 21.12 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of VLYPO indicates a slightly more expensive valuation: VLYPO is more expensive than 79.54% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 38.81 | ||
| EV/EBITDA | N/A |
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 28.60% in the coming years.
PEG (NY)0.7
PEG (5Y)N/A
EPS Next 2Y37.17%
EPS Next 3Y28.6%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.53%, VLYPO is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.61, VLYPO pays a better dividend. On top of this VLYPO pays more dividend than 81.84% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, VLYPO pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.53% |
5.2 History
The dividend of VLYPO has a limited annual growth rate of 1.53%.
VLYPO has been paying a dividend for over 5 years, so it has already some track record.
VLYPO has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)1.53%
Div Incr Years3
Div Non Decr Years7
5.3 Sustainability
VLYPO pays out 62.54% of its income as dividend. This is not a sustainable payout ratio.
VLYPO's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP62.54%
EPS Next 2Y37.17%
EPS Next 3Y28.6%
VALLEY NATIONAL BANCORP - VLY 8.43172 PERP
NASDAQ:VLYPO (10/20/2025, 4:30:02 PM)
25.0401
+0.05 (+0.18%)
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 Cap14.02B
Analysts81.18
Price Target29.31 (17.05%)
Short Float %0%
Short Ratio0.53
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.53% |
Yearly Dividend0.47
Dividend Growth(5Y)1.53%
DP62.54%
Div Incr Years3
Div Non Decr Years7
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)9.23%
PT rev (3m)0%
EPS NQ rev (1m)-0.28%
EPS NQ rev (3m)1.69%
EPS NY rev (1m)0.05%
EPS NY rev (3m)1.13%
Revenue NQ rev (1m)-0.26%
Revenue NQ rev (3m)-0.29%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)-0.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.78 | ||
| Fwd PE | 21.12 | ||
| P/S | 7.33 | ||
| P/FCF | 38.81 | ||
| P/OCF | 37.17 | ||
| P/B | 1.85 | ||
| P/tB | 2.51 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.72
EY2.88%
EPS(NY)1.19
Fwd EY4.73%
FCF(TTM)0.65
FCFY2.58%
OCF(TTM)0.67
OCFY2.69%
SpS3.41
BVpS13.53
TBVpS9.99
PEG (NY)0.7
PEG (5Y)N/A
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
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-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
WACC15.04%
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)-10%
EPS 3Y-18.41%
EPS 5Y-7.49%
EPS Q2Q%76.92%
EPS Next Y50.01%
EPS Next 2Y37.17%
EPS Next 3Y28.6%
EPS Next 5YN/A
Revenue 1Y (TTM)4.51%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%9.3%
Revenue Next Year8.95%
Revenue Next 2Y9.23%
Revenue Next 3Y8.41%
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%