VALLEY NATIONAL BANCORP - VLY 8.40722 PERP (VLYPP) Stock Fundamental Analysis
NASDAQ:VLYPP - US9197942066
25.65 USD
+0.06 (+0.23%)
VLYPP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 393 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. Finally 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.
In the past 5 years VLYPP has always been profitable.
Each year in the past 5 years VLYPP had a positive operating cash flow.
1.2 Ratios
VLYPP's Return On Assets of 0.59% is on the low side compared to the rest of the industry. VLYPP is outperformed by 70.23% of its industry peers.
Looking at the Return On Equity, with a value of 4.88%, VLYPP is doing worse than 75.06% 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 63.87% of its industry peers.
VLYPP's Profit Margin has declined in the last couple of years.
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.
Compared to 1 year ago, VLYPP has more shares outstanding
VLYPP has more shares outstanding than it did 5 years ago.
The debt/assets ratio for VLYPP has remained at the same level compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of VLYPP is 1.84, which is an excellent value as it means it would take VLYPP, only 1.84 years of fcf income to pay off all of its debts.
VLYPP has a Debt to FCF ratio of 1.84. This is comparable to the rest of the industry: VLYPP outperforms 53.18% of its industry peers.
VLYPP has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.10, VLYPP is doing good in the industry, outperforming 68.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.84 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.14%
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 -10.00% in the last year.
VLYPP shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.49% yearly.
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.
VLYPP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.41% yearly.
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
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
A Price/Earnings ratio of 35.63 indicates a quite expensive valuation of VLYPP.
Based on the Price/Earnings ratio, VLYPP is valued expensively inside the industry as 86.77% of the companies are valued cheaper.
VLYPP's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 27.08.
VLYPP is valuated rather expensively with a Price/Forward Earnings ratio of 21.82.
79.90% of the companies in the same industry are cheaper than VLYPP, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.67. VLYPP is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.63 | ||
| Fwd PE | 21.82 |
4.2 Price Multiples
VLYPP's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. VLYPP is more expensive than 79.13% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 34.48 | ||
| 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 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
VLYPP has a Yearly Dividend Yield of 4.55%, which is a nice return.
Compared to an average industry Dividend Yield of 3.30, VLYPP pays a better dividend. On top of this VLYPP pays more dividend than 84.48% of the companies listed in the same industry.
VLYPP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.55% |
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
70.36% 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.
DP70.36%
EPS Next 2Y36.61%
EPS Next 3Y26.9%
VALLEY NATIONAL BANCORP - VLY 8.40722 PERP
NASDAQ:VLYPP (8/27/2025, 2:40:41 PM)
25.65
+0.06 (+0.23%)
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 Cap14.36B
Analysts74.67
Price Target28.73 (12.01%)
Short Float %0%
Short Ratio1.39
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.55% |
Yearly Dividend0.47
Dividend Growth(5Y)1.53%
DP70.36%
Div Incr Years0
Div Non Decr Years4
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)-1.66%
PT rev (3m)-3.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.03%
EPS NY rev (1m)1.08%
EPS NY rev (3m)0.32%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.31%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.63 | ||
| Fwd PE | 21.82 | ||
| P/S | 7.68 | ||
| P/FCF | 34.48 | ||
| P/OCF | 33.24 | ||
| P/B | 1.91 | ||
| P/tB | 2.61 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.72
EY2.81%
EPS(NY)1.18
Fwd EY4.58%
FCF(TTM)0.74
FCFY2.9%
OCF(TTM)0.77
OCFY3.01%
SpS3.34
BVpS13.4
TBVpS9.84
PEG (NY)0.71
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
WACC15.14%
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-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%