VALLEY NATIONAL BANCORP - VLY 8.11311 PERP (VLYPP) Stock Fundamental Analysis
USA - NASDAQ:VLYPP - US9197942066
25.29 USD
-0.01 (-0.04%)
Overall VLYPP gets a fundamental rating of 3 out of 10. We evaluated VLYPP against 392 industry peers in the Banks industry. Both the profitability and financial health of VLYPP have multiple concerns. VLYPP is valied quite expensively at the moment, while it does show a decent growth rate. VLYPP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year VLYPP was profitable.
VLYPP had a positive operating cash flow in the past year.
Each year in the past 5 years VLYPP has been profitable.
VLYPP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of VLYPP (0.68%) is worse than 63.52% of its industry peers.
VLYPP's Return On Equity of 5.62% is on the low side compared to the rest of the industry. VLYPP is outperformed by 73.21% 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 VLYPP (22.27%) is comparable to the rest of the industry.
VLYPP's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for VLYPP so they could not be analyzed.
| 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
VLYPP does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for VLYPP has been increased compared to 1 year ago.
VLYPP has more shares outstanding than it did 5 years ago.
VLYPP has about the same debt/assets ratio as last year.
2.2 Solvency
The Debt to FCF ratio of VLYPP is 1.55, which is an excellent value as it means it would take VLYPP, only 1.55 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.55, VLYPP is in line with its industry, outperforming 57.40% of the companies in the same industry.
A Debt/Equity ratio of 0.07 indicates that VLYPP is not too dependend on debt financing.
VLYPP has a better Debt to Equity ratio (0.07) than 76.02% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.09%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
VLYPP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -10.00%.
Measured over the past years, VLYPP shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.49% on average per year.
VLYPP shows a small growth in Revenue. In the last year, the Revenue has grown by 4.51%.
Measured over the past years, VLYPP 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, VLYPP will show a very strong growth in Earnings Per Share. The EPS will grow by 28.60% on average per year.
Based on estimates for the next years, VLYPP will show a quite strong growth in Revenue. The Revenue will grow by 8.41% on average per year.
EPS Next Y50.01%
EPS Next 2Y37.17%
EPS Next 3Y28.6%
EPS Next 5YN/A
Revenue Next Year8.95%
Revenue Next 2Y9.23%
Revenue Next 3Y8.41%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 35.13, VLYPP can be considered very expensive at the moment.
VLYPP's Price/Earnings ratio is rather expensive when compared to the industry. VLYPP is more expensive than 85.97% of the companies in the same industry.
VLYPP is valuated rather expensively when we compare the Price/Earnings ratio to 27.91, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 21.33, VLYPP is valued on the expensive side.
Based on the Price/Forward Earnings ratio, VLYPP is valued a bit more expensive than the industry average as 79.08% of the companies are valued more cheaply.
VLYPP's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.13 | ||
| Fwd PE | 21.33 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, VLYPP is valued a bit more expensive than 79.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 39.2 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
VLYPP'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 VLYPP's earnings are expected to grow with 28.60% in the coming years.
PEG (NY)0.7
PEG (5Y)N/A
EPS Next 2Y37.17%
EPS Next 3Y28.6%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.16%, VLYPP is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.59, VLYPP pays a bit more dividend than its industry peers.
VLYPP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.16% |
5.2 History
The dividend of VLYPP has a limited annual growth rate of 1.53%.
VLYPP has paid a dividend for at least 10 years, which is a reliable track record.
VLYPP has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)1.53%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
62.54% of the earnings are spent on dividend by VLYPP. This is not a sustainable payout ratio.
VLYPP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP62.54%
EPS Next 2Y37.17%
EPS Next 3Y28.6%
VALLEY NATIONAL BANCORP - VLY 8.11311 PERP
NASDAQ:VLYPP (10/9/2025, 2:10:49 PM)
25.29
-0.01 (-0.04%)
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 Cap14.16B
Analysts81.18
Price Target29.74 (17.6%)
Short Float %0%
Short Ratio1.31
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.16% |
Yearly Dividend0.47
Dividend Growth(5Y)1.53%
DP62.54%
Div Incr Years0
Div Non Decr Years4
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)3.54%
PT rev (3m)-2.61%
EPS NQ rev (1m)-0.58%
EPS NQ rev (3m)0.8%
EPS NY rev (1m)0.05%
EPS NY rev (3m)0.37%
Revenue NQ rev (1m)-0.26%
Revenue NQ rev (3m)-0.82%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)-0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.13 | ||
| Fwd PE | 21.33 | ||
| P/S | 7.41 | ||
| P/FCF | 39.2 | ||
| P/OCF | 37.54 | ||
| P/B | 1.87 | ||
| P/tB | 2.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.72
EY2.85%
EPS(NY)1.19
Fwd EY4.69%
FCF(TTM)0.65
FCFY2.55%
OCF(TTM)0.67
OCFY2.66%
SpS3.41
BVpS13.53
TBVpS9.99
PEG (NY)0.7
PEG (5Y)N/A
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
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-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
WACC15.09%
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 Y50.01%
EPS Next 2Y37.17%
EPS Next 3Y28.6%
EPS Next 5YN/A
Revenue 1Y (TTM)4.51%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%9.3%
Revenue Next Year8.95%
Revenue Next 2Y9.23%
Revenue Next 3Y8.41%
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-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%