VALLEY NATIONAL BANCORP - VLY 8.43172 PERP (VLYPO) Stock Fundamental Analysis
USA - NASDAQ:VLYPO - US9197943056
25.14 USD
+0.15 (+0.6%)
Overall VLYPO gets a fundamental rating of 3 out of 10. We evaluated VLYPO against 390 industry peers in the Banks industry. VLYPO may be in some trouble as it scores bad on both profitability and health. 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
VLYPO had positive earnings in the past year.
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
VLYPO's Return On Assets of 0.68% is on the low side compared to the rest of the industry. VLYPO is outperformed by 63.68% of its industry peers.
VLYPO's Return On Equity of 5.62% is on the low side compared to the rest of the industry. VLYPO is outperformed by 73.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.68% | ||
| ROE | 5.62% | ||
| 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 (22.27%) 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) | 22.27% | ||
| 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.
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.
2.2 Solvency
VLYPO has a debt to FCF ratio of 1.55. This is a very positive value and a sign of high solvency as it would only need 1.55 years to pay back of all of its debts.
With a Debt to FCF ratio value of 1.55, VLYPO perfoms like the industry average, outperforming 57.29% of the companies in the same industry.
VLYPO has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
VLYPO has a Debt to Equity ratio of 0.07. This is in the better half of the industry: VLYPO outperforms 76.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.02%
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.
VLYPO shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.49% yearly.
Looking at the last year, VLYPO shows a decrease in Revenue. The Revenue has decreased by -2.40% in the last year.
The Revenue has been growing by 10.66% on average over the past years. This is quite good.
EPS 1Y (TTM)13.89%
EPS 3Y-18.41%
EPS 5Y-7.49%
EPS Q2Q%55.56%
Revenue 1Y (TTM)-2.4%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%8.74%
3.2 Future
VLYPO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 28.85% yearly.
The Revenue is expected to grow by 8.50% on average over the next years. This is quite good.
EPS Next Y50%
EPS Next 2Y37.84%
EPS Next 3Y28.85%
EPS Next 5YN/A
Revenue Next Year8.95%
Revenue Next 2Y9.23%
Revenue Next 3Y8.5%
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.
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
A Price/Earnings ratio of 30.66 indicates a quite expensive valuation of VLYPO.
Compared to the rest of the industry, the Price/Earnings ratio of VLYPO indicates a rather expensive valuation: VLYPO more expensive than 84.40% of the companies listed in the same industry.
VLYPO's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.89.
VLYPO is valuated rather expensively with a Price/Forward Earnings ratio of 21.00.
Based on the Price/Forward Earnings ratio, VLYPO is valued a bit more expensive than the industry average as 78.77% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.99, VLYPO is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.66 | ||
| Fwd PE | 21 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, VLYPO is valued a bit more expensive than 79.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 38.96 | ||
| 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.
A more expensive valuation may be justified as VLYPO's earnings are expected to grow with 28.85% in the coming years.
PEG (NY)0.61
PEG (5Y)N/A
EPS Next 2Y37.84%
EPS Next 3Y28.85%
5. Dividend
5.1 Amount
VLYPO has a Yearly Dividend Yield of 4.17%, which is a nice return.
Compared to an average industry Dividend Yield of 3.53, VLYPO pays a bit more dividend than its industry peers.
VLYPO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.17% |
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
VLYPO pays out 62.54% of its income as dividend. This is not a sustainable payout ratio.
The dividend of VLYPO is growing, but earnings are growing more, so the dividend growth is sustainable.
DP62.54%
EPS Next 2Y37.84%
EPS Next 3Y28.85%
VALLEY NATIONAL BANCORP - VLY 8.43172 PERP
NASDAQ:VLYPO (10/24/2025, 8:01:10 PM)
25.14
+0.15 (+0.6%)
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 Cap14.07B
Revenue(TTM)1.85B
Net Income(TTM)425.75M
Analysts81.18
Price Target29.31 (16.59%)
Short Float %0%
Short Ratio0.22
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.17% |
Yearly Dividend0.47
Dividend Growth(5Y)1.53%
DP62.54%
Div Incr Years3
Div Non Decr Years7
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.55%
Min EPS beat(2)-6%
Max EPS beat(2)2.9%
EPS beat(4)2
Avg EPS beat(4)-2.88%
Min EPS beat(4)-8.83%
Max EPS beat(4)2.9%
EPS beat(8)2
Avg EPS beat(8)-8.33%
EPS beat(12)3
Avg EPS beat(12)-6.87%
EPS beat(16)6
Avg EPS beat(16)-4.68%
Revenue beat(2)0
Avg Revenue beat(2)-1.33%
Min Revenue beat(2)-2.12%
Max Revenue beat(2)-0.55%
Revenue beat(4)1
Avg Revenue beat(4)-0.6%
Min Revenue beat(4)-2.12%
Max Revenue beat(4)0.32%
Revenue beat(8)1
Avg Revenue beat(8)-1.5%
Revenue beat(12)2
Avg Revenue beat(12)-2.04%
Revenue beat(16)6
Avg Revenue beat(16)-0.95%
PT rev (1m)9.23%
PT rev (3m)0%
EPS NQ rev (1m)-0.5%
EPS NQ rev (3m)1.06%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)1.12%
Revenue NQ rev (1m)-0.5%
Revenue NQ rev (3m)-0.56%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)-0.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.66 | ||
| Fwd PE | 21 | ||
| P/S | 7.36 | ||
| P/FCF | 38.96 | ||
| P/OCF | 37.32 | ||
| P/B | 1.86 | ||
| P/tB | 2.52 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.82
EY3.26%
EPS(NY)1.2
Fwd EY4.76%
FCF(TTM)0.65
FCFY2.57%
OCF(TTM)0.67
OCFY2.68%
SpS3.41
BVpS13.53
TBVpS9.99
PEG (NY)0.61
PEG (5Y)N/A
Graham Number15.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.68% | ||
| ROE | 5.62% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.27% | ||
| GM | N/A | ||
| FCFM | 18.89% |
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-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.55 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 21.31% | ||
| Cap/Sales | 0.83% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 84.83% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC15.02%
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 Y50%
EPS Next 2Y37.84%
EPS Next 3Y28.85%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.4%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%8.74%
Revenue Next Year8.95%
Revenue Next 2Y9.23%
Revenue Next 3Y8.5%
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-56.09%
FCF growth 3Y-12.61%
FCF growth 5Y-18.05%
OCF growth 1Y-58.36%
OCF growth 3Y-13.14%
OCF growth 5Y-17.83%
VALLEY NATIONAL BANCORP - VLY 8.43172 PERP / VLYPO FAQ
What is the ChartMill fundamental rating of VALLEY NATIONAL BANCORP - VLY 8.43172 PERP (VLYPO) stock?
ChartMill assigns a fundamental rating of 3 / 10 to VLYPO.
What is the valuation status of VALLEY NATIONAL BANCORP - VLY 8.43172 PERP (VLYPO) stock?
ChartMill assigns a valuation rating of 2 / 10 to VALLEY NATIONAL BANCORP - VLY 8.43172 PERP (VLYPO). This can be considered as Overvalued.
How profitable is VALLEY NATIONAL BANCORP - VLY 8.43172 PERP (VLYPO) stock?
VALLEY NATIONAL BANCORP - VLY 8.43172 PERP (VLYPO) has a profitability rating of 2 / 10.
What is the valuation of VALLEY NATIONAL BANCORP - VLY 8.43172 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for VALLEY NATIONAL BANCORP - VLY 8.43172 PERP (VLYPO) is 30.66 and the Price/Book (PB) ratio is 1.86.
How sustainable is the dividend of VALLEY NATIONAL BANCORP - VLY 8.43172 PERP (VLYPO) stock?
The dividend rating of VALLEY NATIONAL BANCORP - VLY 8.43172 PERP (VLYPO) is 7 / 10 and the dividend payout ratio is 62.54%.