VALLEY NATIONAL BANCORP - VLY 8.11311 PERP (VLYPP) Stock Fundamental Analysis
USA - NASDAQ:VLYPP - US9197942066
25.37 USD
+0.01 (+0.06%)
VLYPP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. VLYPP has a bad profitability rating. Also its financial health evaluation is rather negative. 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
VLYPP had positive earnings in the past year.
VLYPP had a positive operating cash flow in the past year.
In the past 5 years VLYPP has always 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 63.59% of its industry peers.
VLYPP has a Return On Equity of 5.62%. This is in the lower half of the industry: VLYPP underperforms 73.59% 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
VLYPP has a Profit Margin of 22.27%. This is comparable to the rest of the industry: VLYPP outperforms 43.59% of its industry peers.
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.
VLYPP has more shares outstanding than it did 1 year ago.
The number of shares outstanding for VLYPP has been increased compared to 5 years ago.
Compared to 1 year ago, VLYPP has about the same debt to assets ratio.
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.
VLYPP's Debt to FCF ratio of 1.55 is in line compared to the rest of the industry. VLYPP outperforms 57.69% of its industry peers.
A Debt/Equity ratio of 0.07 indicates that VLYPP is not too dependend on debt financing.
The Debt to Equity ratio of VLYPP (0.07) is better than 76.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.05%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
VLYPP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.89%, which is quite good.
VLYPP 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, VLYPP shows a small growth in Revenue. The Revenue has grown by 7.52% in the last year.
VLYPP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.66% yearly.
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
VLYPP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 28.85% yearly.
VLYPP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.50% yearly.
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
Based on the Price/Earnings ratio of 30.94, the valuation of VLYPP can be described as expensive.
Based on the Price/Earnings ratio, VLYPP is valued more expensive than 84.62% of the companies in the same industry.
When comparing the Price/Earnings ratio of VLYPP to the average of the S&P500 Index (26.19), we can say VLYPP is valued inline with the index average.
Based on the Price/Forward Earnings ratio of 21.19, the valuation of VLYPP can be described as rather expensive.
78.72% of the companies in the same industry are cheaper than VLYPP, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of VLYPP to the average of the S&P500 Index (22.50), we can say VLYPP is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.94 | ||
| Fwd PE | 21.19 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, VLYPP is valued a bit more expensive than the industry average as 79.49% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 39.32 | ||
| 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.
VLYPP's earnings are expected to grow with 28.85% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.62
PEG (5Y)N/A
EPS Next 2Y37.84%
EPS Next 3Y28.85%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.06%, VLYPP is a good candidate for dividend investing.
VLYPP's Dividend Yield is a higher than the industry average which is at 3.49.
Compared to an average S&P500 Dividend Yield of 2.33, VLYPP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.06% |
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 2Y37.84%
EPS Next 3Y28.85%
VALLEY NATIONAL BANCORP - VLY 8.11311 PERP
NASDAQ:VLYPP (10/31/2025, 4:00:21 PM)
25.37
+0.01 (+0.06%)
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 Cap14.20B
Revenue(TTM)1.96B
Net Income(TTM)425.75M
Analysts81.18
Price Target30.56 (20.46%)
Short Float %0%
Short Ratio2.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.06% |
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)9.61%
PT rev (3m)1.81%
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 | 30.94 | ||
| Fwd PE | 21.19 | ||
| P/S | 7.43 | ||
| P/FCF | 39.32 | ||
| P/OCF | 37.66 | ||
| P/B | 1.87 | ||
| P/tB | 2.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.82
EY3.23%
EPS(NY)1.2
Fwd EY4.72%
FCF(TTM)0.65
FCFY2.54%
OCF(TTM)0.67
OCFY2.66%
SpS3.41
BVpS13.53
TBVpS9.99
PEG (NY)0.62
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
WACC15.05%
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)7.52%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%8.48%
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 8.11311 PERP / VLYPP FAQ
Can you provide the ChartMill fundamental rating for VALLEY NATIONAL BANCORP - VLY 8.11311 PERP?
ChartMill assigns a fundamental rating of 3 / 10 to VLYPP.
What is the valuation status for VLYPP stock?
ChartMill assigns a valuation rating of 2 / 10 to VALLEY NATIONAL BANCORP - VLY 8.11311 PERP (VLYPP). This can be considered as Overvalued.
Can you provide the profitability details for VALLEY NATIONAL BANCORP - VLY 8.11311 PERP?
VALLEY NATIONAL BANCORP - VLY 8.11311 PERP (VLYPP) has a profitability rating of 2 / 10.
What is the financial health of VALLEY NATIONAL BANCORP - VLY 8.11311 PERP (VLYPP) stock?
The financial health rating of VALLEY NATIONAL BANCORP - VLY 8.11311 PERP (VLYPP) is 2 / 10.
Is the dividend of VALLEY NATIONAL BANCORP - VLY 8.11311 PERP sustainable?
The dividend rating of VALLEY NATIONAL BANCORP - VLY 8.11311 PERP (VLYPP) is 7 / 10 and the dividend payout ratio is 62.54%.