VALLEY NATIONAL BANCORP - VLY 6 1/4 PERP (VLYPP) Stock Fundamental Analysis
NASDAQ:VLYPP - Nasdaq - US9197942066 - Currency: USD
VLYPP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 395 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. Finally VLYPP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year VLYPP was profitable.
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
Looking at the Return On Assets, with a value of 0.59%, VLYPP is doing worse than 69.87% of the companies in the same industry.
Looking at the Return On Equity, with a value of 4.88%, VLYPP is doing worse than 78.48% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.59% | ||
| ROE | 4.88% | ||
| 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 (19.57%) is worse than 64.81% of its industry peers.
In the last couple of years the Profit Margin of VLYPP has declined.
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) | 19.57% | ||
| 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
VLYPP has a debt to FCF ratio of 1.84. This is a very positive value and a sign of high solvency as it would only need 1.84 years to pay back of all of its debts.
The Debt to FCF ratio of VLYPP (1.84) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.10 indicates that VLYPP is not too dependend on debt financing.
The Debt to Equity ratio of VLYPP (0.10) is better than 70.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.84 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.41%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for VLYPP have decreased strongly by -34.74% in the last year.
Measured over the past years, VLYPP shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.49% on average per year.
VLYPP shows a small growth in Revenue. In the last year, the Revenue has grown by 0.73%.
The Revenue has been growing by 10.66% on average over the past years. This is quite good.
EPS 1Y (TTM)-34.74%
EPS 3Y-18.41%
EPS 5Y-7.49%
EPS Q2Q%-5.26%
Revenue 1Y (TTM)0.73%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%5.15%
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 25.72% on average per year.
Based on estimates for the next years, VLYPP will show a small growth in Revenue. The Revenue will grow by 7.04% on average per year.
EPS Next Y49.46%
EPS Next 2Y35.83%
EPS Next 3Y25.72%
EPS Next 5YN/A
Revenue Next Year9.17%
Revenue Next 2Y9.03%
Revenue Next 3Y7.04%
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 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 40.34, the valuation of VLYPP can be described as expensive.
Based on the Price/Earnings ratio, VLYPP is valued more expensive than 86.84% of the companies in the same industry.
VLYPP is valuated expensively when we compare the Price/Earnings ratio to 26.20, which is the current average of the S&P500 Index.
VLYPP is valuated rather expensively with a Price/Forward Earnings ratio of 21.52.
Based on the Price/Forward Earnings ratio, VLYPP is valued a bit more expensive than 79.24% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of VLYPP to the average of the S&P500 Index (22.13), we can say VLYPP is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.34 | ||
| Fwd PE | 21.52 |
4.2 Price Multiples
82.03% 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 | 33.66 | ||
| 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 25.72% in the coming years.
PEG (NY)0.82
PEG (5Y)N/A
EPS Next 2Y35.83%
EPS Next 3Y25.72%
5. Dividend
5.1 Amount
VLYPP has a Yearly Dividend Yield of 5.10%, which is a nice return.
Compared to an average industry Dividend Yield of 3.45, VLYPP pays a better dividend. On top of this VLYPP pays more dividend than 87.85% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, VLYPP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.1% |
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.
The dividend of VLYPP decreased recently.
Dividend Growth(5Y)1.53%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
VLYPP pays out 70.36% of its income as dividend. This is not a sustainable payout ratio.
The dividend of VLYPP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP70.36%
EPS Next 2Y35.83%
EPS Next 3Y25.72%
VALLEY NATIONAL BANCORP - VLY 6 1/4 PERP
NASDAQ:VLYPP (5/29/2025, 8:20:18 PM)
25.0101
+0.02 (+0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners82.79%
Inst Owner ChangeN/A
Ins Owners1.34%
Ins Owner ChangeN/A
Market Cap14.01B
Analysts75.71
Price Target29.82 (19.23%)
Short Float %0.01%
Short Ratio5.04
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.1% |
Yearly Dividend0.47
Dividend Growth(5Y)1.53%
DP70.36%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-7.42%
Min EPS beat(2)-8.83%
Max EPS beat(2)-6%
EPS beat(4)1
Avg EPS beat(4)-11.96%
Min EPS beat(4)-33.43%
Max EPS beat(4)0.43%
EPS beat(8)1
Avg EPS beat(8)-9.15%
EPS beat(12)3
Avg EPS beat(12)-6.21%
EPS beat(16)5
Avg EPS beat(16)-4.89%
Revenue beat(2)1
Avg Revenue beat(2)-0.9%
Min Revenue beat(2)-2.12%
Max Revenue beat(2)0.32%
Revenue beat(4)1
Avg Revenue beat(4)-1.09%
Min Revenue beat(4)-2.49%
Max Revenue beat(4)0.32%
Revenue beat(8)1
Avg Revenue beat(8)-1.9%
Revenue beat(12)3
Avg Revenue beat(12)-1.44%
Revenue beat(16)7
Avg Revenue beat(16)-0.86%
PT rev (1m)-4.21%
PT rev (3m)3.37%
EPS NQ rev (1m)-0.09%
EPS NQ rev (3m)0.36%
EPS NY rev (1m)-0.98%
EPS NY rev (3m)-1.97%
Revenue NQ rev (1m)-1.47%
Revenue NQ rev (3m)-1.41%
Revenue NY rev (1m)-0.73%
Revenue NY rev (3m)-0.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.34 | ||
| Fwd PE | 21.52 | ||
| P/S | 7.5 | ||
| P/FCF | 33.66 | ||
| P/OCF | 32.45 | ||
| P/B | 1.87 | ||
| P/tB | 2.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.62
EY2.48%
EPS(NY)1.16
Fwd EY4.65%
FCF(TTM)0.74
FCFY2.97%
OCF(TTM)0.77
OCFY3.08%
SpS3.34
BVpS13.38
TBVpS9.83
PEG (NY)0.82
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.59% | ||
| ROE | 4.88% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 19.57% | ||
| GM | N/A | ||
| FCFM | 22.27% |
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-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.84 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 20.32% | ||
| Cap/Sales | 0.83% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 113.81% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC15.41%
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)-34.74%
EPS 3Y-18.41%
EPS 5Y-7.49%
EPS Q2Q%-5.26%
EPS Next Y49.46%
EPS Next 2Y35.83%
EPS Next 3Y25.72%
EPS Next 5YN/A
Revenue 1Y (TTM)0.73%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%5.15%
Revenue Next Year9.17%
Revenue Next 2Y9.03%
Revenue Next 3Y7.04%
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-30.42%
FCF growth 3Y-12.61%
FCF growth 5Y-18.05%
OCF growth 1Y-34.84%
OCF growth 3Y-13.14%
OCF growth 5Y-17.83%