25.3 USD
-0.05 (-0.2%)
Taking everything into account, VLYPP scores 3 out of 10 in our fundamental rating. VLYPP was compared to 387 industry peers in the Banks industry. VLYPP has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, VLYPP is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
VLYPP had positive earnings in the past year.
In the past year VLYPP had a positive cash flow from operations.
In the past 5 years VLYPP has always been profitable.
In the past 5 years VLYPP always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.78%, VLYPP is not doing good in the industry: 60.47% of the companies in the same industry are doing better.
VLYPP's Return On Equity of 6.36% is on the low side compared to the rest of the industry. VLYPP is outperformed by 68.99% 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
VLYPP 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 VLYPP has declined.
VLYPP 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
VLYPP does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, VLYPP has more shares outstanding
Compared to 5 years ago, VLYPP has more shares outstanding
VLYPP has about the same debt/assets ratio as last year.
2.2 Solvency
VLYPP 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.
VLYPP has a better Debt to FCF ratio (1.05) than 64.34% of its industry peers.
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 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
WACC15.15%
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.
The Earnings Per Share has been decreasing by -7.49% on average over the past years.
VLYPP shows a small growth in Revenue. In the last year, the Revenue has grown by 7.52%.
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)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 31.67% yearly.
The Revenue is expected to grow by 8.92% on average over the next years. This is quite good.
EPS Next Y54.74%
EPS Next 2Y41.09%
EPS Next 3Y31.67%
EPS Next 5YN/A
Revenue Next Year8.85%
Revenue Next 2Y9.5%
Revenue Next 3Y8.92%
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
With a Price/Earnings ratio of 30.85, VLYPP can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of VLYPP indicates a rather expensive valuation: VLYPP more expensive than 84.75% of the companies listed in the same industry.
VLYPP's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.19.
With a Price/Forward Earnings ratio of 20.17, VLYPP is valued on the expensive side.
Compared to the rest of the industry, the Price/Forward Earnings ratio of VLYPP indicates a slightly more expensive valuation: VLYPP is more expensive than 78.29% of the companies listed in the same industry.
VLYPP is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 23.88, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.85 | ||
| Fwd PE | 20.17 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, VLYPP is valued a bit more expensive than 77.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 26.92 | ||
| 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 VLYPP's earnings are expected to grow with 31.67% in the coming years.
PEG (NY)0.56
PEG (5Y)N/A
EPS Next 2Y41.09%
EPS Next 3Y31.67%
5. Dividend
5.1 Amount
VLYPP has a Yearly Dividend Yield of 3.77%.
VLYPP's Dividend Yield is a higher than the industry average which is at 2.78.
VLYPP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.77% |
5.2 History
The dividend of VLYPP has a limited annual growth rate of 1.53%.
VLYPP has been paying a dividend for at least 10 years, so it has 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
VLYPP pays out 55.49% of its income as dividend. This is a bit on the high side, but may be sustainable.
VLYPP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP55.49%
EPS Next 2Y41.09%
EPS Next 3Y31.67%
VALLEY NATIONAL BANCORP - VLY 7.75975 PERP
NASDAQ:VLYPP (1/9/2026, 4:04:29 PM)
25.3
-0.05 (-0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners88.01%
Inst Owner ChangeN/A
Ins Owners1.34%
Ins Owner ChangeN/A
Market Cap14.11B
Revenue(TTM)1.96B
Net Income(TTM)489.72M
Analysts81.11
Price Target28.74 (13.6%)
Short Float %0%
Short Ratio0.81
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.77% |
Yearly Dividend0.47
Dividend Growth(5Y)1.53%
DP55.49%
Div Incr Years0
Div Non Decr Years4
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)-8.84%
PT rev (3m)-3.39%
EPS NQ rev (1m)-0.11%
EPS NQ rev (3m)4.68%
EPS NY rev (1m)-0.03%
EPS NY rev (3m)3.15%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)-0.14%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.85 | ||
| Fwd PE | 20.17 | ||
| P/S | 7.2 | ||
| P/FCF | 26.92 | ||
| P/OCF | 26.16 | ||
| P/B | 1.83 | ||
| P/tB | 2.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.82
EY3.24%
EPS(NY)1.25
Fwd EY4.96%
FCF(TTM)0.94
FCFY3.71%
OCF(TTM)0.97
OCFY3.82%
SpS3.51
BVpS13.8
TBVpS10.26
PEG (NY)0.56
PEG (5Y)N/A
Graham Number15.96
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
WACC15.15%
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 Y54.74%
EPS Next 2Y41.09%
EPS Next 3Y31.67%
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 2Y9.5%
Revenue Next 3Y8.92%
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 7.75975 PERP / VLYPP FAQ
Can you provide the ChartMill fundamental rating for VALLEY NATIONAL BANCORP - VLY 7.75975 PERP?
ChartMill assigns a fundamental rating of 3 / 10 to VLYPP.
Can you provide the valuation status for VALLEY NATIONAL BANCORP - VLY 7.75975 PERP?
ChartMill assigns a valuation rating of 2 / 10 to VALLEY NATIONAL BANCORP - VLY 7.75975 PERP (VLYPP). This can be considered as Overvalued.
Can you provide the profitability details for VALLEY NATIONAL BANCORP - VLY 7.75975 PERP?
VALLEY NATIONAL BANCORP - VLY 7.75975 PERP (VLYPP) has a profitability rating of 2 / 10.
Can you provide the financial health for VLYPP stock?
The financial health rating of VALLEY NATIONAL BANCORP - VLY 7.75975 PERP (VLYPP) is 3 / 10.
Can you provide the dividend sustainability for VLYPP stock?
The dividend rating of VALLEY NATIONAL BANCORP - VLY 7.75975 PERP (VLYPP) is 6 / 10 and the dividend payout ratio is 55.49%.