25.24 USD
+0.01 (+0.02%)
We assign a fundamental rating of 4 out of 10 to VLYPP. VLYPP was compared to 383 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.
- In the past year VLYPP had a positive cash flow from operations.
- In the past 5 years VLYPP has always been profitable.
- Each year in the past 5 years VLYPP had a positive operating cash flow.
1.2 Ratios
- VLYPP has a Return On Assets of 0.78%. This is in the lower half of the industry: VLYPP underperforms 60.31% of its industry peers.
- With a Return On Equity value of 6.36%, VLYPP is not doing good in the industry: 68.93% of the companies in the same industry are doing better.
| 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 of 25.00%. This is comparable to the rest of the industry: VLYPP outperforms 53.79% of its industry peers.
- 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.
- VLYPP has more shares outstanding than it did 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 1.05, which is an excellent value as it means it would take VLYPP, only 1.05 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 1.05, VLYPP is in the better half of the industry, outperforming 64.75% of the companies in the same industry.
- VLYPP has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.07, VLYPP is in the better half of the industry, outperforming 76.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.05 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.25%
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.
- 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.
- Based on estimates for the next years, VLYPP will show a quite strong growth in Revenue. The Revenue will grow by 9.04% on average per year.
EPS Next Y54.74%
EPS Next 2Y41.09%
EPS Next 3Y31.67%
EPS Next 5YN/A
Revenue Next Year8.85%
Revenue Next 2Y9.54%
Revenue Next 3Y9.04%
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.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 30.78, which means the current valuation is very expensive for VLYPP.
- Based on the Price/Earnings ratio, VLYPP is valued expensively inside the industry as 84.60% of the companies are valued cheaper.
- When comparing the Price/Earnings ratio of VLYPP to the average of the S&P500 Index (27.32), we can say VLYPP is valued inline with the index average.
- The Price/Forward Earnings ratio is 20.13, which indicates a rather expensive current valuation of VLYPP.
- VLYPP's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. VLYPP is more expensive than 78.07% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.30, VLYPP is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.78 | ||
| Fwd PE | 20.13 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, VLYPP is valued a bit more expensive than 77.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 26.86 | ||
| 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.
- VLYPP's earnings are expected to grow with 31.67% in the coming years. This may justify a more expensive valuation.
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 8.24%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.91, VLYPP pays a better dividend. On top of this VLYPP pays more dividend than 98.43% of the companies listed in the same industry.
- VLYPP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.24% |
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
- 55.49% of the earnings are spent on dividend by VLYPP. 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 7.7813 PERP
NASDAQ:VLYPP (1/21/2026, 8:00:03 PM)
25.24
+0.01 (+0.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2025-10-23/bmo
Earnings (Next)01-29 2026-01-29/bmo
Inst Owners88.01%
Inst Owner ChangeN/A
Ins Owners1.34%
Ins Owner ChangeN/A
Market Cap14.07B
Revenue(TTM)1.96B
Net Income(TTM)489.72M
Analysts81.05
Price Target30.17 (19.53%)
Short Float %0%
Short Ratio2.53
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.24% |
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)1.56%
PT rev (3m)1.44%
EPS NQ rev (1m)0.05%
EPS NQ rev (3m)4.87%
EPS NY rev (1m)-0.03%
EPS NY rev (3m)3.15%
Revenue NQ rev (1m)-0.13%
Revenue NQ rev (3m)-0.18%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.78 | ||
| Fwd PE | 20.13 | ||
| P/S | 7.19 | ||
| P/FCF | 26.86 | ||
| P/OCF | 26.09 | ||
| P/B | 1.83 | ||
| P/tB | 2.46 | ||
| 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)0.97
OCFY3.83%
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
WACC15.25%
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 2Y9.54%
Revenue Next 3Y9.04%
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 7.7813 PERP / VLYPP FAQ
Can you provide the ChartMill fundamental rating for VALLEY NATIONAL BANCORP - VLY 7.7813 PERP?
ChartMill assigns a fundamental rating of 4 / 10 to VLYPP.
Can you provide the valuation status for VALLEY NATIONAL BANCORP - VLY 7.7813 PERP?
ChartMill assigns a valuation rating of 2 / 10 to VALLEY NATIONAL BANCORP - VLY 7.7813 PERP (VLYPP). This can be considered as Overvalued.
Can you provide the profitability details for VALLEY NATIONAL BANCORP - VLY 7.7813 PERP?
VALLEY NATIONAL BANCORP - VLY 7.7813 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 7.7813 PERP (VLYPP) is 3 / 10.
Can you provide the dividend sustainability for VLYPP stock?
The dividend rating of VALLEY NATIONAL BANCORP - VLY 7.7813 PERP (VLYPP) is 8 / 10 and the dividend payout ratio is 55.49%.