VALLEY NATIONAL BANCORP - VLY 7.52519 PERP (VLYPO) Fundamental Analysis & Valuation

NASDAQ:VLYPO • US9197943056

25.22 USD
+0.01 (+0.04%)
Last: Mar 5, 2026, 04:04 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to VLYPO. VLYPO was compared to 379 industry peers in the Banks industry. VLYPO has a bad profitability rating. Also its financial health evaluation is rather negative. VLYPO is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

2

1. VLYPO Profitability Analysis

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.
  • Of the past 5 years VLYPO 4 years 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

  • The Return On Assets of VLYPO (0.78%) is worse than 62.01% of its industry peers.
  • Looking at the Return On Equity, with a value of 6.36%, VLYPO is doing worse than 69.92% of the companies in the same industry.
Industry RankSector Rank
ROA 0.78%
ROE 6.36%
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 25.00%, VLYPO is in line with its industry, outperforming 52.77% of the companies in the same industry.
  • VLYPO's Profit Margin has been stable in the last couple of years.
  • 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) 25%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • VLYPO has less shares outstanding than it did 1 year ago.
  • VLYPO has more shares outstanding than it did 5 years ago.
  • VLYPO has a worse debt/assets ratio than last year.
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

  • The Debt to FCF ratio of VLYPO is 1.05, which is an excellent value as it means it would take VLYPO, only 1.05 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 1.05, VLYPO is doing good in the industry, outperforming 65.44% of the companies in the same industry.
  • A Debt/Equity ratio of 0.07 indicates that VLYPO is not too dependend on debt financing.
  • VLYPO has a Debt to Equity ratio of 0.07. This is in the better half of the industry: VLYPO outperforms 75.73% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 1.05
Altman-Z N/A
ROIC/WACCN/A
WACC15.07%
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

  • The Earnings Per Share has grown by an impressive 58.73% over the past year.
  • Measured over the past 5 years, VLYPO shows a small growth in Earnings Per Share. The EPS has been growing by 0.82% on average per year.
  • VLYPO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.75%.
  • VLYPO shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.25% yearly.
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

  • The Earnings Per Share is expected to grow by 18.75% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 8.98% on average over the next years. This is quite good.
EPS Next Y27.77%
EPS Next 2Y22.74%
EPS Next 3Y18.75%
EPS Next 5YN/A
Revenue Next Year12.11%
Revenue Next 2Y10.26%
Revenue Next 3Y8.98%
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 stable: in the next years the growth will be about the same than in the last years.
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 25.22, VLYPO can be considered very expensive at the moment.
  • Compared to the rest of the industry, the Price/Earnings ratio of VLYPO indicates a rather expensive valuation: VLYPO more expensive than 86.02% of the companies listed in the same industry.
  • VLYPO is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.03, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 19.74 indicates a rather expensive valuation of VLYPO.
  • VLYPO's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. VLYPO is more expensive than 78.10% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 25.11, VLYPO is valued a bit cheaper.
Industry RankSector Rank
PE 25.22
Fwd PE 19.74
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

  • 77.84% of the companies in the same industry are cheaper than VLYPO, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 26.79
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 18.75% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.91
PEG (5Y)30.76
EPS Next 2Y22.74%
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 3.29%, VLYPO has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.72, VLYPO pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, VLYPO pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.29%

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

  • 55.49% of the earnings are spent on dividend by VLYPO. This is a bit on the high side, but may be sustainable.
  • VLYPO's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP55.49%
EPS Next 2Y22.74%
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 7.52519 PERP

NASDAQ:VLYPO (3/5/2026, 4:04:41 PM)

25.22

+0.01 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners88.01%
Inst Owner ChangeN/A
Ins Owners1.34%
Ins Owner ChangeN/A
Market Cap14.04B
Revenue(TTM)2.03B
Net Income(TTM)489.72M
Analysts83.16
Price Target28.87 (14.47%)
Short Float %0%
Short Ratio0.11
Dividend
Industry RankSector Rank
Dividend Yield 3.29%
Yearly Dividend0.47
Dividend Growth(5Y)1.53%
DP55.49%
Div Incr Years3
Div Non Decr Years7
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.28%
Min EPS beat(2)2.9%
Max EPS beat(2)7.66%
EPS beat(4)2
Avg EPS beat(4)-1.07%
Min EPS beat(4)-8.83%
Max EPS beat(4)7.66%
EPS beat(8)3
Avg EPS beat(8)-7.27%
EPS beat(12)3
Avg EPS beat(12)-6.39%
EPS beat(16)6
Avg EPS beat(16)-4.24%
Revenue beat(2)0
Avg Revenue beat(2)-0.74%
Min Revenue beat(2)-0.94%
Max Revenue beat(2)-0.55%
Revenue beat(4)1
Avg Revenue beat(4)-0.82%
Min Revenue beat(4)-2.12%
Max Revenue beat(4)0.32%
Revenue beat(8)1
Avg Revenue beat(8)-1.46%
Revenue beat(12)1
Avg Revenue beat(12)-2.17%
Revenue beat(16)5
Avg Revenue beat(16)-1.03%
PT rev (1m)-4.31%
PT rev (3m)-7.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.05%
EPS NY rev (1m)1.25%
EPS NY rev (3m)2.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.2%
Revenue NY rev (1m)1.74%
Revenue NY rev (3m)1.88%
Valuation
Industry RankSector Rank
PE 25.22
Fwd PE 19.74
P/S 7.17
P/FCF 26.79
P/OCF 26.03
P/B 1.82
P/tB 2.45
EV/EBITDA N/A
EPS(TTM)1
EY3.97%
EPS(NY)1.28
Fwd EY5.07%
FCF(TTM)0.94
FCFY3.73%
OCF(TTM)0.97
OCFY3.84%
SpS3.52
BVpS13.83
TBVpS10.27
PEG (NY)0.91
PEG (5Y)30.76
Graham Number17.64
Profitability
Industry RankSector Rank
ROA 0.78%
ROE 6.36%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25%
GM N/A
FCFM 26.75%
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 0.07
Debt/FCF 1.05
Debt/EBITDA N/A
Cap/Depr 21.18%
Cap/Sales 0.79%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 107%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC15.07%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)58.73%
EPS 3Y-8.37%
EPS 5Y0.82%
EPS Q2Q%138.46%
EPS Next Y27.77%
EPS Next 2Y22.74%
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 Year12.11%
Revenue Next 2Y10.26%
Revenue Next 3Y8.98%
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 1Y484.05%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y541.25%
OCF growth 3YN/A
OCF growth 5YN/A

VALLEY NATIONAL BANCORP - VLY 7.52519 PERP / VLYPO FAQ

What is the ChartMill fundamental rating of VALLEY NATIONAL BANCORP - VLY 7.52519 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 7.52519 PERP (VLYPO). This can be considered as Overvalued.


How profitable is VALLEY NATIONAL BANCORP - VLY 7.52519 PERP (VLYPO) stock?

VALLEY NATIONAL BANCORP - VLY 7.52519 PERP (VLYPO) has a profitability rating of 2 / 10.


What is the expected EPS growth for VALLEY NATIONAL BANCORP - VLY 7.52519 PERP (VLYPO) stock?

The Earnings per Share (EPS) of VALLEY NATIONAL BANCORP - VLY 7.52519 PERP (VLYPO) is expected to grow by 27.77% in the next year.


Is the dividend of VALLEY NATIONAL BANCORP - VLY 7.52519 PERP sustainable?

The dividend rating of VALLEY NATIONAL BANCORP - VLY 7.52519 PERP (VLYPO) is 6 / 10 and the dividend payout ratio is 55.49%.