VALLEY NATIONAL BANCORP - VLY 8.40722 PERP (VLYPP) Stock Fundamental Analysis
USA - NASDAQ:VLYPP - US9197942066
25.505 USD
+0.13 (+0.53%)
Taking everything into account, VLYPP scores 3 out of 10 in our fundamental rating. VLYPP was compared to 392 industry peers in the Banks industry. VLYPP has a bad profitability rating. Also its financial health evaluation is rather negative. VLYPP is quite expensive at the moment. 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.
VLYPP had positive earnings in each of the past 5 years.
In the past 5 years VLYPP always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of VLYPP (0.68%) is worse than 63.27% of its industry peers.
With a Return On Equity value of 5.62%, VLYPP is not doing good in the industry: 72.96% of the companies in the same industry are doing better.
| 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.
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) | 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.
Compared to 1 year ago, VLYPP has more shares outstanding
Compared to 5 years ago, VLYPP has more shares outstanding
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.
The Debt to FCF ratio of VLYPP (1.55) is comparable to the rest of the industry.
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 76.02% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.98%
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%.
The Earnings Per Share has been decreasing by -7.49% on average over the past years.
Looking at the last year, VLYPP shows a small growth in Revenue. The Revenue has grown by 4.51% in the last year.
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 26.90% on average per year.
The Revenue is expected to grow by 7.41% on average over the next years.
EPS Next Y49.94%
EPS Next 2Y36.61%
EPS Next 3Y26.9%
EPS Next 5YN/A
Revenue Next Year9.06%
Revenue Next 2Y8.98%
Revenue Next 3Y7.41%
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
A Price/Earnings ratio of 35.42 indicates a quite expensive valuation of VLYPP.
Based on the Price/Earnings ratio, VLYPP is valued more expensive than 85.46% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.41, VLYPP is valued a bit more expensive.
The Price/Forward Earnings ratio is 21.69, which indicates a rather expensive current valuation of VLYPP.
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 78.83% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.88, VLYPP is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.42 | ||
| Fwd PE | 21.69 |
4.2 Price Multiples
78.57% 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 | 39.53 | ||
| 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 26.90% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.71
PEG (5Y)N/A
EPS Next 2Y36.61%
EPS Next 3Y26.9%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.61%, VLYPP is a good candidate for dividend investing.
VLYPP's Dividend Yield is rather good when compared to the industry average which is at 3.73. VLYPP pays more dividend than 90.56% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, VLYPP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.61% |
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 2Y36.61%
EPS Next 3Y26.9%
VALLEY NATIONAL BANCORP - VLY 8.40722 PERP
NASDAQ:VLYPP (9/17/2025, 8:10:53 PM)
25.505
+0.13 (+0.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners85.8%
Inst Owner ChangeN/A
Ins Owners1.31%
Ins Owner ChangeN/A
Market Cap14.28B
Analysts74.67
Price Target27.13 (6.37%)
Short Float %0%
Short Ratio2.64
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.61% |
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)-8.38%
PT rev (3m)-8.77%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.39%
EPS NY rev (1m)1.08%
EPS NY rev (3m)0.32%
Revenue NQ rev (1m)0.2%
Revenue NQ rev (3m)-0.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.42 | ||
| Fwd PE | 21.69 | ||
| P/S | 7.47 | ||
| P/FCF | 39.53 | ||
| P/OCF | 37.86 | ||
| P/B | 1.88 | ||
| P/tB | 2.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.72
EY2.82%
EPS(NY)1.18
Fwd EY4.61%
FCF(TTM)0.65
FCFY2.53%
OCF(TTM)0.67
OCFY2.64%
SpS3.41
BVpS13.53
TBVpS9.99
PEG (NY)0.71
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
WACC14.98%
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 Y49.94%
EPS Next 2Y36.61%
EPS Next 3Y26.9%
EPS Next 5YN/A
Revenue 1Y (TTM)4.51%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%9.3%
Revenue Next Year9.06%
Revenue Next 2Y8.98%
Revenue Next 3Y7.41%
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%