VALLEY NATIONAL BANCORP - VLY 7.76695 PERP (VLYPP) Stock Fundamental Analysis

NASDAQ:VLYPP • US9197942066

25.39 USD
0 (0%)
Last: Feb 18, 2026, 08:06 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall VLYPP gets a fundamental rating of 4 out of 10. We evaluated VLYPP against 381 industry peers in the Banks industry. Both the profitability and financial health of VLYPP have multiple concerns. VLYPP shows excellent growth, but is valued quite expensive already.


Dividend Valuation Growth Profitability Health

2

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.
  • VLYPP had positive earnings in each of the past 5 years.
  • Of the past 5 years VLYPP 4 years had a positive operating cash flow.
VLYPP Yearly Net Income VS EBIT VS OCF VS FCFVLYPP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B

1.2 Ratios

  • The Return On Assets of VLYPP (0.78%) is worse than 60.63% of its industry peers.
  • VLYPP has a worse Return On Equity (6.36%) than 68.77% of its industry peers.
Industry RankSector Rank
ROA 0.78%
ROE 6.36%
ROIC N/A
ROA(3y)0.75%
ROA(5y)0.86%
ROE(3y)6.44%
ROE(5y)7.41%
ROIC(3y)N/A
ROIC(5y)N/A
VLYPP Yearly ROA, ROE, ROICVLYPP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • VLYPP's Profit Margin of 25.00% is in line compared to the rest of the industry. VLYPP outperforms 53.81% of its industry peers.
  • VLYPP's Profit Margin has been stable in the last couple of years.
  • The Operating Margin and Gross Margin are not available for VLYPP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 25%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.99%
PM growth 5Y-0.66%
GM growth 3YN/A
GM growth 5YN/A
VLYPP Yearly Profit, Operating, Gross MarginsVLYPP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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 reduced compared to 1 year ago.
  • Compared to 5 years ago, VLYPP has more shares outstanding
  • Compared to 1 year ago, VLYPP has a worse debt to assets ratio.
VLYPP Yearly Shares OutstandingVLYPP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M
VLYPP Yearly Total Debt VS Total AssetsVLYPP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.2 Solvency

  • VLYPP has a debt to FCF ratio of 1.05. This is a very positive value and a sign of high solvency as it would only need 1.05 years to pay back of all of its debts.
  • VLYPP has a better Debt to FCF ratio (1.05) than 64.83% of its industry peers.
  • VLYPP has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of VLYPP (0.07) is better than 75.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 1.05
Altman-Z N/A
ROIC/WACCN/A
WACC15.02%
VLYPP Yearly LT Debt VS Equity VS FCFVLYPP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
VLYPP Yearly Current Assets VS Current LiabilitesVLYPP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. Growth

3.1 Past

  • VLYPP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 58.73%, which is quite impressive.
  • The Earnings Per Share has been growing slightly by 0.82% on average over the past years.
  • VLYPP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.75%.
  • Measured over the past years, VLYPP shows a quite strong growth in Revenue. The Revenue has been growing by 9.25% on average per year.
EPS 1Y (TTM)58.73%
EPS 3Y-8.37%
EPS 5Y0.82%
EPS Q2Q%138.46%
Revenue 1Y (TTM)9.75%
Revenue growth 3Y2.84%
Revenue growth 5Y9.25%
Sales Q2Q%14.14%

3.2 Future

  • Based on estimates for the next years, VLYPP will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.75% on average per year.
  • The Revenue is expected to grow by 8.69% on average over the next years. This is quite good.
EPS Next Y27.77%
EPS Next 2Y22.74%
EPS Next 3Y18.75%
EPS Next 5YN/A
Revenue Next Year11.62%
Revenue Next 2Y10.26%
Revenue Next 3Y8.69%
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 stable: in the next years the growth will be about the same than in the last years.
VLYPP Yearly Revenue VS EstimatesVLYPP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B 2.5B
VLYPP Yearly EPS VS EstimatesVLYPP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • VLYPP is valuated quite expensively with a Price/Earnings ratio of 25.39.
  • Based on the Price/Earnings ratio, VLYPP is valued expensively inside the industry as 84.51% of the companies are valued cheaper.
  • The average S&P500 Price/Earnings ratio is at 27.27. VLYPP is around the same levels.
  • With a Price/Forward Earnings ratio of 19.87, VLYPP is valued on the expensive side.
  • Based on the Price/Forward Earnings ratio, VLYPP is valued a bit more expensive than the industry average as 77.69% of the companies are valued more cheaply.
  • VLYPP is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.16, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 25.39
Fwd PE 19.87
VLYPP Price Earnings VS Forward Price EarningsVLYPP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 78.48% of the companies in the same industry are cheaper than VLYPP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 26.97
EV/EBITDA N/A
VLYPP Per share dataVLYPP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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 18.75% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.91
PEG (5Y)30.97
EPS Next 2Y22.74%
EPS Next 3Y18.75%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • VLYPP has a Yearly Dividend Yield of 3.29%. Purely for dividend investing, there may be better candidates out there.
  • VLYPP's Dividend Yield is a higher than the industry average which is at 2.78.
  • VLYPP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
Industry RankSector Rank
Dividend Yield 3.29%

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
VLYPP Yearly Dividends per shareVLYPP Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • VLYPP pays out 55.49% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of VLYPP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP55.49%
EPS Next 2Y22.74%
EPS Next 3Y18.75%
VLYPP Yearly Income VS Free CF VS DividendVLYPP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B
VLYPP Dividend Payout.VLYPP Dividend Payout, showing the Payout Ratio.VLYPP Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

VALLEY NATIONAL BANCORP - VLY 7.76695 PERP

NASDAQ:VLYPP (2/18/2026, 8:06:32 PM)

25.39

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners88.01%
Inst Owner ChangeN/A
Ins Owners1.34%
Ins Owner ChangeN/A
Market Cap14.13B
Revenue(TTM)2.03B
Net Income(TTM)489.72M
Analysts83.16
Price Target29.74 (17.13%)
Short Float %0%
Short Ratio3.45
Dividend
Industry RankSector Rank
Dividend Yield 3.29%
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)3.49%
PT rev (3m)-4.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.05%
EPS NY rev (1m)1.89%
EPS NY rev (3m)2.05%
Revenue NQ rev (1m)-0.07%
Revenue NQ rev (3m)-0.2%
Revenue NY rev (1m)1.3%
Revenue NY rev (3m)1.43%
Valuation
Industry RankSector Rank
PE 25.39
Fwd PE 19.87
P/S 7.22
P/FCF 26.97
P/OCF 26.2
P/B 1.84
P/tB 2.47
EV/EBITDA N/A
EPS(TTM)1
EY3.94%
EPS(NY)1.28
Fwd EY5.03%
FCF(TTM)0.94
FCFY3.71%
OCF(TTM)0.97
OCFY3.82%
SpS3.52
BVpS13.83
TBVpS10.27
PEG (NY)0.91
PEG (5Y)30.97
Graham Number17.64
Profitability
Industry RankSector 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)0.75%
ROA(5y)0.86%
ROE(3y)6.44%
ROE(5y)7.41%
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-1.99%
PM growth 5Y-0.66%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector 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
WACC15.02%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)58.73%
EPS 3Y-8.37%
EPS 5Y0.82%
EPS Q2Q%138.46%
EPS Next Y27.77%
EPS Next 2Y22.74%
EPS Next 3Y18.75%
EPS Next 5YN/A
Revenue 1Y (TTM)9.75%
Revenue growth 3Y2.84%
Revenue growth 5Y9.25%
Sales Q2Q%14.14%
Revenue Next Year11.62%
Revenue Next 2Y10.26%
Revenue Next 3Y8.69%
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 1Y484.05%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y541.25%
OCF growth 3YN/A
OCF growth 5YN/A

VALLEY NATIONAL BANCORP - VLY 7.76695 PERP / VLYPP FAQ

Can you provide the ChartMill fundamental rating for VALLEY NATIONAL BANCORP - VLY 7.76695 PERP?

ChartMill assigns a fundamental rating of 4 / 10 to VLYPP.


Can you provide the valuation status for VALLEY NATIONAL BANCORP - VLY 7.76695 PERP?

ChartMill assigns a valuation rating of 2 / 10 to VALLEY NATIONAL BANCORP - VLY 7.76695 PERP (VLYPP). This can be considered as Overvalued.


Can you provide the profitability details for VALLEY NATIONAL BANCORP - VLY 7.76695 PERP?

VALLEY NATIONAL BANCORP - VLY 7.76695 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 7.76695 PERP (VLYPP) is 3 / 10.


Can you provide the dividend sustainability for VLYPP stock?

The dividend rating of VALLEY NATIONAL BANCORP - VLY 7.76695 PERP (VLYPP) is 6 / 10 and the dividend payout ratio is 55.49%.