VALLEY NATIONAL BANCORP - VLY 6 1/4 PERP (VLYPP) Stock Fundamental Analysis
NASDAQ:VLYPP - Nasdaq - US9197942066 - Currency: USD
Taking everything into account, VLYPP scores 3 out of 10 in our fundamental rating. VLYPP was compared to 397 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. 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.
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
VLYPP's Return On Assets of 0.57% is on the low side compared to the rest of the industry. VLYPP is outperformed by 69.52% of its industry peers.
With a Return On Equity value of 4.83%, VLYPP is not doing good in the industry: 78.09% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.57% | ||
| ROE | 4.83% | ||
| 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's Profit Margin of 19.44% is on the low side compared to the rest of the industry. VLYPP is outperformed by 64.23% 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) | 19.44% | ||
| 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.
The number of shares outstanding for VLYPP has been increased compared to 1 year ago.
The number of shares outstanding for VLYPP has been increased compared to 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 1.46, which is an excellent value as it means it would take VLYPP, only 1.46 years of fcf income to pay off all of its debts.
VLYPP's Debt to FCF ratio of 1.46 is fine compared to the rest of the industry. VLYPP outperforms 61.96% of its industry peers.
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 70.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.46 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.28%
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 -34.74%.
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.
Looking at the last year, VLYPP shows a small growth in Revenue. The Revenue has grown by 0.73% in the last 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)-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%5.43%
3.2 Future
VLYPP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.57% yearly.
VLYPP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.97% yearly.
EPS Next Y50.94%
EPS Next 2Y36.29%
EPS Next 3Y22.57%
EPS Next 5YN/A
Revenue Next Year9.97%
Revenue Next 2Y9.32%
Revenue Next 3Y6.97%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 40.31, the valuation of VLYPP can be described as expensive.
VLYPP's Price/Earnings ratio is rather expensive when compared to the industry. VLYPP is more expensive than 86.40% of the companies in the same industry.
VLYPP's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 23.99.
A Price/Forward Earnings ratio of 21.36 indicates a rather expensive valuation of VLYPP.
VLYPP's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. VLYPP is more expensive than 78.09% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.35, VLYPP is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.31 | ||
| Fwd PE | 21.36 |
4.2 Price Multiples
78.09% 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 | 26.29 | ||
| 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 22.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.79
PEG (5Y)N/A
EPS Next 2Y36.29%
EPS Next 3Y22.57%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.05%, VLYPP is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.49, VLYPP pays a better dividend. On top of this VLYPP pays more dividend than 87.41% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, VLYPP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.05% |
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 decreased its dividend recently.
Dividend Growth(5Y)1.53%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
69.54% 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.
DP69.54%
EPS Next 2Y36.29%
EPS Next 3Y22.57%
VALLEY NATIONAL BANCORP - VLY 6 1/4 PERP
NASDAQ:VLYPP (5/7/2025, 8:00:02 PM)
24.99
+0.06 (+0.24%)
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 Cap14.00B
Analysts75.71
Price Target31.13 (24.57%)
Short Float %0%
Short Ratio1.71
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.05% |
Yearly Dividend0.47
Dividend Growth(5Y)1.53%
DP69.54%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.2%
Min EPS beat(2)-8.83%
Max EPS beat(2)0.43%
EPS beat(4)1
Avg EPS beat(4)-12.04%
Min EPS beat(4)-33.43%
Max EPS beat(4)0.43%
EPS beat(8)1
Avg EPS beat(8)-9.7%
EPS beat(12)4
Avg EPS beat(12)-5.69%
EPS beat(16)5
Avg EPS beat(16)-4.73%
Revenue beat(2)1
Avg Revenue beat(2)0.13%
Min Revenue beat(2)-0.06%
Max Revenue beat(2)0.32%
Revenue beat(4)1
Avg Revenue beat(4)-0.81%
Min Revenue beat(4)-2.49%
Max Revenue beat(4)0.32%
Revenue beat(8)1
Avg Revenue beat(8)-2.47%
Revenue beat(12)4
Avg Revenue beat(12)-1.24%
Revenue beat(16)7
Avg Revenue beat(16)-0.99%
PT rev (1m)-5.01%
PT rev (3m)7.91%
EPS NQ rev (1m)-0.63%
EPS NQ rev (3m)-4.59%
EPS NY rev (1m)-0.76%
EPS NY rev (3m)-1.46%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)-0.04%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)2.45%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.31 | ||
| Fwd PE | 21.36 | ||
| P/S | 7.58 | ||
| P/FCF | 26.29 | ||
| P/OCF | 25.51 | ||
| P/B | 1.88 | ||
| P/tB | 2.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.62
EY2.48%
EPS(NY)1.17
Fwd EY4.68%
FCF(TTM)0.95
FCFY3.8%
OCF(TTM)0.98
OCFY3.92%
SpS3.3
BVpS13.28
TBVpS9.71
PEG (NY)0.79
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.57% | ||
| ROE | 4.83% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 19.44% | ||
| GM | N/A | ||
| FCFM | 28.84% |
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-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.46 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 20.48% | ||
| Cap/Sales | 0.87% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 148.34% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC15.28%
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 Y50.94%
EPS Next 2Y36.29%
EPS Next 3Y22.57%
EPS Next 5YN/A
Revenue 1Y (TTM)0.73%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%5.43%
Revenue Next Year9.97%
Revenue Next 2Y9.32%
Revenue Next 3Y6.97%
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 1Y76.2%
FCF growth 3Y-12.61%
FCF growth 5Y-18.05%
OCF growth 1Y45.04%
OCF growth 3Y-13.14%
OCF growth 5Y-17.83%