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VALLEY NATIONAL BANCORP - VLY 8.43172 PERP (VLYPO) Stock Fundamental Analysis

NASDAQ:VLYPO - Nasdaq - US9197943056 - Currency: USD

25.09  +0.04 (+0.16%)

Fundamental Rating

3

Taking everything into account, VLYPO scores 3 out of 10 in our fundamental rating. VLYPO was compared to 393 industry peers in the Banks industry. VLYPO has a bad profitability rating. Also its financial health evaluation is rather negative. VLYPO is quite expensive at the moment. It does show a decent growth rate. VLYPO also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

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.
VLYPO had positive earnings in each of the past 5 years.
VLYPO had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

1.2 Ratios

Looking at the Return On Assets, with a value of 0.59%, VLYPO is doing worse than 68.70% of the companies in the same industry.
VLYPO has a worse Return On Equity (4.88%) than 75.83% 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
VLYPO Yearly ROA, ROE, ROICVLYPO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

VLYPO's Profit Margin of 19.57% is on the low side compared to the rest of the industry. VLYPO is outperformed by 63.61% 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 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
VLYPO Yearly Profit, Operating, Gross MarginsVLYPO 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

VLYPO does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, VLYPO has more shares outstanding
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.
VLYPO Yearly Shares OutstandingVLYPO Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
VLYPO Yearly Total Debt VS Total AssetsVLYPO 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

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.
Looking at the Debt to FCF ratio, with a value of 1.84, VLYPO is in line with its industry, outperforming 52.67% of the companies in the same industry.
A Debt/Equity ratio of 0.10 indicates that VLYPO is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.10, VLYPO is in the better half of the industry, outperforming 70.74% 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
WACC15.23%
VLYPO Yearly LT Debt VS Equity VS FCFVLYPO 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
VLYPO Yearly Current Assets VS Current LiabilitesVLYPO 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

The earnings per share for VLYPO have decreased strongly by -10.00% in the last year.
The Earnings Per Share has been decreasing by -7.49% on average over the past years.
VLYPO shows a small growth in Revenue. In the last year, the Revenue has grown by 4.51%.
The Revenue has been growing by 10.66% on average over the past years. This is quite good.
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 25.59% on average per year.
The Revenue is expected to grow by 7.44% on average over the next years.
EPS Next Y48.34%
EPS Next 2Y35.53%
EPS Next 3Y25.59%
EPS Next 5YN/A
Revenue Next Year9.06%
Revenue Next 2Y9.1%
Revenue Next 3Y7.44%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
VLYPO Yearly Revenue VS EstimatesVLYPO 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
VLYPO Yearly EPS VS EstimatesVLYPO 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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4. Valuation

4.1 Price/Earnings Ratio

VLYPO is valuated quite expensively with a Price/Earnings ratio of 34.85.
Compared to the rest of the industry, the Price/Earnings ratio of VLYPO indicates a rather expensive valuation: VLYPO more expensive than 85.75% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.48. VLYPO is valued slightly more expensive when compared to this.
VLYPO is valuated rather expensively with a Price/Forward Earnings ratio of 21.68.
VLYPO's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. VLYPO is more expensive than 79.39% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of VLYPO to the average of the S&P500 Index (34.04), we can say VLYPO is valued slightly cheaper.
Industry RankSector Rank
PE 34.85
Fwd PE 21.68
VLYPO Price Earnings VS Forward Price EarningsVLYPO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

79.90% of the companies in the same industry are cheaper than VLYPO, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 33.76
EV/EBITDA N/A
VLYPO Per share dataVLYPO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 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.
VLYPO's earnings are expected to grow with 25.59% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.72
PEG (5Y)N/A
EPS Next 2Y35.53%
EPS Next 3Y25.59%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.79%, VLYPO is a good candidate for dividend investing.
VLYPO's Dividend Yield is rather good when compared to the industry average which is at 3.54. VLYPO pays more dividend than 81.68% of the companies in the same industry.
VLYPO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 4.79%

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
VLYPO Yearly Dividends per shareVLYPO Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

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 2Y35.53%
EPS Next 3Y25.59%
VLYPO Yearly Income VS Free CF VS DividendVLYPO 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
VLYPO Dividend Payout.VLYPO Dividend Payout, showing the Payout Ratio.VLYPO Dividend Payout.PayoutRetained Earnings

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VALLEY NATIONAL BANCORP - VLY 8.43172 PERP

NASDAQ:VLYPO (8/8/2025, 8:11:16 PM)

25.09

+0.04 (+0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/bmo
Earnings (Next)10-22 2025-10-22/bmo
Inst Owners85.8%
Inst Owner ChangeN/A
Ins Owners1.31%
Ins Owner ChangeN/A
Market Cap14.06B
Analysts74.67
Price Target29.44 (17.34%)
Short Float %0%
Short Ratio0.75
Dividend
Industry RankSector Rank
Dividend Yield 4.79%
Yearly Dividend0.47
Dividend Growth(5Y)1.53%
DP70.36%
Div Incr Years3
Div Non Decr Years7
Ex-Date09-15 2025-09-15 (0.51975)
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)-3.41%
PT rev (3m)-0.93%
EPS NQ rev (1m)-0.45%
EPS NQ rev (3m)-1.03%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.72%
Revenue NQ rev (1m)-0.03%
Revenue NQ rev (3m)-0.31%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.1%
Valuation
Industry RankSector Rank
PE 34.85
Fwd PE 21.68
P/S 7.52
P/FCF 33.76
P/OCF 32.55
P/B 1.87
P/tB 2.55
EV/EBITDA N/A
EPS(TTM)0.72
EY2.87%
EPS(NY)1.16
Fwd EY4.61%
FCF(TTM)0.74
FCFY2.96%
OCF(TTM)0.77
OCFY3.07%
SpS3.34
BVpS13.39
TBVpS9.83
PEG (NY)0.72
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
WACC15.23%
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 Y48.34%
EPS Next 2Y35.53%
EPS Next 3Y25.59%
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 2Y9.1%
Revenue Next 3Y7.44%
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%