VALLEY NATIONAL BANCORP - VLY 8.11311 PERP (VLYPP) Stock Fundamental Analysis
USA - NASDAQ:VLYPP - US9197942066
25.27 USD
-0.25 (-0.98%)
VLYPP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. Both the profitability and financial health of VLYPP have multiple concerns. While showing a medium growth rate, VLYPP is valued expensive at the moment. Finally 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.
Each year in the past 5 years VLYPP has 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 0.68%. This is in the lower half of the industry: VLYPP underperforms 64.43% of its industry peers.
VLYPP has a worse Return On Equity (5.62%) than 74.23% 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 43.04% of its industry peers.
VLYPP's Profit Margin has declined in the last couple of years.
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) | 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.
VLYPP has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, VLYPP has about the same debt to assets ratio.
2.2 Solvency
VLYPP 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.
VLYPP's Debt to FCF ratio of 1.55 is in line compared to the rest of the industry. VLYPP outperforms 56.70% of its industry peers.
A Debt/Equity ratio of 0.07 indicates that VLYPP is not too dependend on debt financing.
VLYPP's Debt to Equity ratio of 0.07 is fine compared to the rest of the industry. VLYPP outperforms 76.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.04%
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.
The Revenue has been growing slightly by 7.52% in the past 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
The Earnings Per Share is expected to grow by 31.35% on average over the next years. This is a very strong growth
VLYPP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.86% yearly.
EPS Next Y54.55%
EPS Next 2Y40.97%
EPS Next 3Y31.35%
EPS Next 5YN/A
Revenue Next Year8.85%
Revenue Next 2Y9.47%
Revenue Next 3Y8.86%
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
VLYPP is valuated quite expensively with a Price/Earnings ratio of 30.82.
Based on the Price/Earnings ratio, VLYPP is valued expensively inside the industry as 84.79% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of VLYPP to the average of the S&P500 Index (25.91), we can say VLYPP is valued inline with the index average.
With a Price/Forward Earnings ratio of 20.18, VLYPP is valued on the expensive side.
Based on the Price/Forward Earnings ratio, VLYPP is valued a bit more expensive than 78.87% of the companies in the same industry.
VLYPP is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 34.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.82 | ||
| Fwd PE | 20.18 |
4.2 Price Multiples
79.38% of the companies in the same industry are cheaper than VLYPP, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 39.17 | ||
| 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 31.35% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.56
PEG (5Y)N/A
EPS Next 2Y40.97%
EPS Next 3Y31.35%
5. Dividend
5.1 Amount
VLYPP has a Yearly Dividend Yield of 4.03%, which is a nice return.
Compared to an average industry Dividend Yield of 3.38, VLYPP pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, VLYPP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.03% |
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
62.54% of the earnings are spent on dividend by VLYPP. This is not a sustainable payout ratio.
The dividend of VLYPP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP62.54%
EPS Next 2Y40.97%
EPS Next 3Y31.35%
VALLEY NATIONAL BANCORP - VLY 8.11311 PERP
NASDAQ:VLYPP (11/13/2025, 8:02:26 PM)
25.27
-0.25 (-0.98%)
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 Cap14.14B
Revenue(TTM)1.96B
Net Income(TTM)425.75M
Analysts81.11
Price Target30.56 (20.93%)
Short Float %0%
Short Ratio2.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.03% |
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)2.76%
PT rev (3m)3.2%
EPS NQ rev (1m)0.07%
EPS NQ rev (3m)-0.5%
EPS NY rev (1m)3.02%
EPS NY rev (3m)4.18%
Revenue NQ rev (1m)-0.24%
Revenue NQ rev (3m)-0.31%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)-0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.82 | ||
| Fwd PE | 20.18 | ||
| P/S | 7.4 | ||
| P/FCF | 39.17 | ||
| P/OCF | 37.51 | ||
| P/B | 1.87 | ||
| P/tB | 2.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.82
EY3.24%
EPS(NY)1.25
Fwd EY4.95%
FCF(TTM)0.65
FCFY2.55%
OCF(TTM)0.67
OCFY2.67%
SpS3.41
BVpS13.53
TBVpS9.99
PEG (NY)0.56
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
WACC15.04%
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 Y54.55%
EPS Next 2Y40.97%
EPS Next 3Y31.35%
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 2Y9.47%
Revenue Next 3Y8.86%
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 3 / 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%.