VALLEY NATIONAL BANCORP - VLY 8.43172 PERP (VLYPO) Stock Fundamental Analysis
NASDAQ:VLYPO - Nasdaq - US9197943056 - Currency: USD
Taking everything into account, VLYPO scores 3 out of 10 in our fundamental rating. VLYPO was compared to 395 industry peers in the Banks industry. Both the profitability and financial health of VLYPO have multiple concerns. While showing a medium growth rate, VLYPO is valued expensive at the moment. Finally VLYPO also has an excellent dividend rating.
1. Profitability
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.
1.2 Ratios
The Return On Assets of VLYPO (0.59%) is worse than 70.45% of its industry peers.
The Return On Equity of VLYPO (4.88%) is worse than 78.54% 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
The Profit Margin of VLYPO (19.57%) is worse than 65.40% of its industry peers.
VLYPO's Profit Margin has declined in the last couple of years.
VLYPO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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
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.
Compared to 5 years ago, VLYPO has more shares outstanding
VLYPO has about the same debt/assets ratio as last year.
2.2 Solvency
The Debt to FCF ratio of VLYPO is 1.84, which is an excellent value as it means it would take VLYPO, only 1.84 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of VLYPO (1.84) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.10 indicates that VLYPO is not too dependend on debt financing.
VLYPO has a Debt to Equity ratio of 0.10. This is in the better half of the industry: VLYPO outperforms 69.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.84 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.36%
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 -34.74%.
VLYPO shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.49% yearly.
VLYPO shows a small growth in Revenue. In the last year, the Revenue has grown by 0.73%.
Measured over the past years, VLYPO 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
Based on estimates for the next years, VLYPO will show a very strong growth in Earnings Per Share. The EPS will grow by 25.72% on average per year.
VLYPO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.04% yearly.
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
VLYPO is valuated quite expensively with a Price/Earnings ratio of 40.35.
Compared to the rest of the industry, the Price/Earnings ratio of VLYPO indicates a rather expensive valuation: VLYPO more expensive than 87.37% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.25. VLYPO is valued rather expensively when compared to this.
A Price/Forward Earnings ratio of 21.53 indicates a rather expensive valuation of VLYPO.
Based on the Price/Forward Earnings ratio, VLYPO 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 22.15, VLYPO is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.35 | ||
| Fwd PE | 21.53 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of VLYPO indicates a rather expensive valuation: VLYPO more expensive than 82.07% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.67 | ||
| 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.
VLYPO'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 4.98%, VLYPO is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.44, VLYPO pays a better dividend. On top of this VLYPO pays more dividend than 86.36% of the companies listed in the same industry.
VLYPO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.98% |
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
70.36% of the earnings are spent on dividend by VLYPO. This is not a sustainable payout ratio.
The dividend of VLYPO is growing, but earnings are growing more, so the dividend growth is sustainable.
DP70.36%
EPS Next 2Y35.83%
EPS Next 3Y25.72%
VALLEY NATIONAL BANCORP - VLY 8.43172 PERP
NASDAQ:VLYPO (5/30/2025, 8:00:01 PM)
After market: 25.02 0 (0%)25.02
-0.09 (-0.36%)
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 Cap14.02B
Analysts75.71
Price Target29.72 (18.78%)
Short Float %0%
Short Ratio0.87
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.98% |
Yearly Dividend0.47
Dividend Growth(5Y)1.53%
DP70.36%
Div Incr Years3
Div Non Decr Years7
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)-5.35%
PT rev (3m)3.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.81%
EPS NY rev (1m)-0.98%
EPS NY rev (3m)-1.97%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.41%
Revenue NY rev (1m)-0.73%
Revenue NY rev (3m)-0.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.35 | ||
| Fwd PE | 21.53 | ||
| P/S | 7.5 | ||
| P/FCF | 33.67 | ||
| P/OCF | 32.46 | ||
| P/B | 1.87 | ||
| P/tB | 2.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.62
EY2.48%
EPS(NY)1.16
Fwd EY4.65%
FCF(TTM)0.74
FCFY2.97%
OCF(TTM)0.77
OCFY3.08%
SpS3.34
BVpS13.38
TBVpS9.83
PEG (NY)0.82
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
WACC15.36%
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%