25.195 USD
-0.02 (-0.1%)
Taking everything into account, VLYPO scores 4 out of 10 in our fundamental rating. VLYPO was compared to 387 industry peers in the Banks industry. VLYPO may be in some trouble as it scores bad on both profitability and health. VLYPO is quite expensive at the moment. 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.
VLYPO had positive earnings in each of the past 5 years.
In the past 5 years VLYPO always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of VLYPO (0.78%) is comparable to the rest of the industry.
VLYPO has a worse Return On Equity (6.36%) than 69.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.78% | ||
| ROE | 6.36% | ||
| 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 has a Profit Margin (25.00%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of VLYPO has declined.
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) | 25% | ||
| 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.
VLYPO has more shares outstanding than it did 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 1.05. This is a very positive value and a sign of high solvency as it would only need 1.05 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.05, VLYPO is in the better half of the industry, outperforming 64.86% 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's Debt to Equity ratio of 0.07 is fine compared to the rest of the industry. VLYPO outperforms 75.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.05 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.03%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
VLYPO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.89%, which is quite good.
The Earnings Per Share has been decreasing by -7.49% on average over the past years.
The Revenue has been growing slightly by 7.52% 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)13.89%
EPS 3Y-18.41%
EPS 5Y-7.49%
EPS Q2Q%55.56%
Revenue 1Y (TTM)7.52%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%8.48%
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 31.35% on average per year.
VLYPO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.86% yearly.
EPS Next Y54.55%
EPS Next 2Y40.97%
EPS Next 3Y31.35%
EPS Next 5YN/A
Revenue Next Year8.85%
Revenue Next 2Y9.47%
Revenue Next 3Y8.86%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
VLYPO is valuated quite expensively with a Price/Earnings ratio of 30.73.
Based on the Price/Earnings ratio, VLYPO is valued expensively inside the industry as 84.75% of the companies are valued cheaper.
VLYPO's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.98.
A Price/Forward Earnings ratio of 20.12 indicates a rather expensive valuation of VLYPO.
Compared to the rest of the industry, the Price/Forward Earnings ratio of VLYPO indicates a slightly more expensive valuation: VLYPO is more expensive than 78.55% of the companies listed in the same industry.
VLYPO is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 35.79, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.73 | ||
| Fwd PE | 20.12 |
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 75.19% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 26.91 | ||
| 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 31.35% in the coming years.
PEG (NY)0.56
PEG (5Y)N/A
EPS Next 2Y40.97%
EPS Next 3Y31.35%
5. Dividend
5.1 Amount
VLYPO has a Yearly Dividend Yield of 4.03%, which is a nice return.
Compared to an average industry Dividend Yield of 3.33, VLYPO pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, VLYPO pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.03% |
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
55.49% of the earnings are spent on dividend by VLYPO. This is a bit on the high side, but may be sustainable.
The dividend of VLYPO is growing, but earnings are growing more, so the dividend growth is sustainable.
DP55.49%
EPS Next 2Y40.97%
EPS Next 3Y31.35%
VALLEY NATIONAL BANCORP - VLY 7.8411 PERP
NASDAQ:VLYPO (11/25/2025, 8:17:18 PM)
25.195
-0.02 (-0.1%)
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 Cap14.10B
Revenue(TTM)1.96B
Net Income(TTM)489.72M
Analysts81.11
Price Target31.3 (24.23%)
Short Float %0%
Short Ratio0.28
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.03% |
Yearly Dividend0.47
Dividend Growth(5Y)1.53%
DP55.49%
Div Incr Years3
Div Non Decr Years7
Ex-Date
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)6.77%
PT rev (3m)11.06%
EPS NQ rev (1m)4.94%
EPS NQ rev (3m)4.37%
EPS NY rev (1m)3.03%
EPS NY rev (3m)3.07%
Revenue NQ rev (1m)-0.14%
Revenue NQ rev (3m)0.11%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)-0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.73 | ||
| Fwd PE | 20.12 | ||
| P/S | 7.2 | ||
| P/FCF | 26.91 | ||
| P/OCF | 26.14 | ||
| P/B | 1.83 | ||
| P/tB | 2.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.82
EY3.25%
EPS(NY)1.25
Fwd EY4.97%
FCF(TTM)0.94
FCFY3.72%
OCF(TTM)0.96
OCFY3.82%
SpS3.5
BVpS13.75
TBVpS10.22
PEG (NY)0.56
PEG (5Y)N/A
Graham Number15.93
Profitability
| Industry Rank | Sector 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)0.78%
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
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-16.82%
PM growth 5Y-6.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector 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
WACC15.03%
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)13.89%
EPS 3Y-18.41%
EPS 5Y-7.49%
EPS Q2Q%55.56%
EPS Next Y54.55%
EPS Next 2Y40.97%
EPS Next 3Y31.35%
EPS Next 5YN/A
Revenue 1Y (TTM)7.52%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%8.48%
Revenue Next Year8.85%
Revenue Next 2Y9.47%
Revenue Next 3Y8.86%
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-31.47%
FCF growth 3Y-12.61%
FCF growth 5Y-18.05%
OCF growth 1Y-36.89%
OCF growth 3Y-13.14%
OCF growth 5Y-17.83%
VALLEY NATIONAL BANCORP - VLY 7.8411 PERP / VLYPO FAQ
What is the ChartMill fundamental rating of VALLEY NATIONAL BANCORP - VLY 7.8411 PERP (VLYPO) stock?
ChartMill assigns a fundamental rating of 4 / 10 to VLYPO.
What is the valuation status of VALLEY NATIONAL BANCORP - VLY 7.8411 PERP (VLYPO) stock?
ChartMill assigns a valuation rating of 3 / 10 to VALLEY NATIONAL BANCORP - VLY 7.8411 PERP (VLYPO). This can be considered as Overvalued.
How profitable is VALLEY NATIONAL BANCORP - VLY 7.8411 PERP (VLYPO) stock?
VALLEY NATIONAL BANCORP - VLY 7.8411 PERP (VLYPO) has a profitability rating of 3 / 10.
What is the valuation of VALLEY NATIONAL BANCORP - VLY 7.8411 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for VALLEY NATIONAL BANCORP - VLY 7.8411 PERP (VLYPO) is 30.73 and the Price/Book (PB) ratio is 1.83.
How sustainable is the dividend of VALLEY NATIONAL BANCORP - VLY 7.8411 PERP (VLYPO) stock?
The dividend rating of VALLEY NATIONAL BANCORP - VLY 7.8411 PERP (VLYPO) is 7 / 10 and the dividend payout ratio is 55.49%.