VALLEY NATIONAL BANCORP - VLY 8.43172 PERP (VLYPO) Stock Fundamental Analysis
NASDAQ:VLYPO - US9197943056
24.92 USD
-0.28 (-1.11%)
25.1 USD
+0.18 (+0.72%)
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. VLYPO may be in some trouble as it scores bad on both profitability and health. VLYPO is valied quite expensively at the moment, while it does show a decent growth rate. VLYPO also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
VLYPO had positive earnings in the past year.
VLYPO had a positive operating cash flow in the past year.
In the past 5 years VLYPO has always been profitable.
In the past 5 years VLYPO always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.59%, VLYPO is not doing good in the industry: 69.97% of the companies in the same industry are doing better.
VLYPO's Return On Equity of 4.88% is on the low side compared to the rest of the industry. VLYPO is outperformed by 74.81% 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
With a Profit Margin value of 19.57%, VLYPO is not doing good in the industry: 63.61% of the companies in the same industry are doing better.
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) | 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.
VLYPO has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, VLYPO has about the same debt to assets ratio.
2.2 Solvency
VLYPO 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.
Looking at the Debt to FCF ratio, with a value of 1.84, VLYPO is in line with its industry, outperforming 53.44% of the companies in the same industry.
VLYPO has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
VLYPO has a better Debt to Equity ratio (0.10) than 69.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.84 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.24%
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.
The Revenue has been growing slightly by 4.51% in the past year.
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)-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 26.90% on average per year.
The Revenue is expected to grow by 7.41% on average over the next years.
EPS Next Y49.94%
EPS Next 2Y36.61%
EPS Next 3Y26.9%
EPS Next 5YN/A
Revenue Next Year9.06%
Revenue Next 2Y8.98%
Revenue Next 3Y7.41%
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 34.61.
Compared to the rest of the industry, the Price/Earnings ratio of VLYPO indicates a rather expensive valuation: VLYPO more expensive than 86.26% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.08, VLYPO is valued a bit more expensive.
With a Price/Forward Earnings ratio of 21.20, VLYPO is valued on the expensive side.
VLYPO's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. VLYPO is more expensive than 79.64% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.72, VLYPO is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.61 | ||
| Fwd PE | 21.2 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, VLYPO is valued a bit more expensive than 78.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.5 | ||
| 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.
VLYPO's earnings are expected to grow with 26.90% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.69
PEG (5Y)N/A
EPS Next 2Y36.61%
EPS Next 3Y26.9%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.21%, VLYPO is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.20, VLYPO pays a better dividend. On top of this VLYPO pays more dividend than 84.73% 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 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.21% |
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.
As VLYPO did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
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.
VLYPO's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP70.36%
EPS Next 2Y36.61%
EPS Next 3Y26.9%
VALLEY NATIONAL BANCORP - VLY 8.43172 PERP
NASDAQ:VLYPO (8/29/2025, 8:00:02 PM)
After market: 25.1 +0.18 (+0.72%)24.92
-0.28 (-1.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners85.8%
Inst Owner ChangeN/A
Ins Owners1.31%
Ins Owner ChangeN/A
Market Cap13.95B
Analysts74.67
Price Target28.18 (13.08%)
Short Float %0%
Short Ratio0.28
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.21% |
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)-3.86%
PT rev (3m)-5.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.03%
EPS NY rev (1m)1.08%
EPS NY rev (3m)0.32%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.31%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.61 | ||
| Fwd PE | 21.2 | ||
| P/S | 7.46 | ||
| P/FCF | 33.5 | ||
| P/OCF | 32.29 | ||
| P/B | 1.86 | ||
| P/tB | 2.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.72
EY2.89%
EPS(NY)1.18
Fwd EY4.72%
FCF(TTM)0.74
FCFY2.99%
OCF(TTM)0.77
OCFY3.1%
SpS3.34
BVpS13.4
TBVpS9.84
PEG (NY)0.69
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
WACC15.24%
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 Y49.94%
EPS Next 2Y36.61%
EPS Next 3Y26.9%
EPS Next 5YN/A
Revenue 1Y (TTM)4.51%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%9.3%
Revenue Next Year9.06%
Revenue Next 2Y8.98%
Revenue Next 3Y7.41%
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-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%