11.91 USD
0 (0%)
11.91 USD
0 (0%)
VLY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 385 industry peers in the Banks industry. VLY may be in some trouble as it scores bad on both profitability and health. VLY has a decent growth rate and is not valued too expensively. Finally VLY also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year VLY was profitable.
In the past year VLY had a positive cash flow from operations.
VLY had positive earnings in each of the past 5 years.
VLY had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
VLY has a Return On Assets (0.78%) which is comparable to the rest of the industry.
The Return On Equity of VLY (6.36%) is worse than 68.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.78% | ||
| ROE | 6.36% | ||
| 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 VLY (25.00%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of VLY has declined.
The Operating Margin and Gross Margin are not available for VLY so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25% | ||
| 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
VLY does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, VLY has more shares outstanding
VLY has more shares outstanding than it did 5 years ago.
The debt/assets ratio for VLY has remained at the same level compared to a year ago.
2.2 Solvency
VLY 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.
VLY has a Debt to FCF ratio of 1.05. This is in the better half of the industry: VLY outperforms 64.42% of its industry peers.
VLY 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 VLY (0.07) is better than 75.84% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.05 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.98%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 13.89% over the past year.
Measured over the past years, VLY shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.49% on average per year.
VLY shows a small growth in Revenue. In the last year, the Revenue has grown by 7.52%.
The Revenue has been growing by 10.66% on average over the past years. This is quite good.
EPS 1Y (TTM)13.89%
EPS 3Y-18.41%
EPS 5Y-7.49%
EPS Q2Q%55.56%
Revenue 1Y (TTM)7.52%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%8.48%
3.2 Future
The Earnings Per Share is expected to grow by 31.35% on average over the next years. This is a very strong growth
Based on estimates for the next years, VLY will show a quite strong growth in Revenue. The Revenue will grow by 8.86% on average per year.
EPS Next Y54.79%
EPS Next 2Y40.97%
EPS Next 3Y31.35%
EPS Next 5YN/A
Revenue Next Year8.85%
Revenue Next 2Y9.47%
Revenue Next 3Y8.86%
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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 14.52, which indicates a correct valuation of VLY.
Based on the Price/Earnings ratio, VLY is valued a bit more expensive than 62.60% of the companies in the same industry.
When comparing the Price/Earnings ratio of VLY to the average of the S&P500 Index (26.43), we can say VLY is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 9.51, the valuation of VLY can be described as reasonable.
VLY's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. VLY is cheaper than 69.87% of the companies in the same industry.
VLY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.66.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.52 | ||
| Fwd PE | 9.51 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as VLY.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.67 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
VLY's 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 VLY's earnings are expected to grow with 31.35% in the coming years.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y40.97%
EPS Next 3Y31.35%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.72%, VLY has a reasonable but not impressive dividend return.
VLY's Dividend Yield is a higher than the industry average which is at 2.70.
VLY's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.72% |
5.2 History
The dividend of VLY has a limited annual growth rate of 1.53%.
VLY has been paying a dividend for at least 10 years, so it has a reliable track record.
VLY has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)1.53%
Div Incr Years0
Div Non Decr Years10
5.3 Sustainability
VLY pays out 55.49% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of VLY is growing, but earnings are growing more, so the dividend growth is sustainable.
DP55.49%
EPS Next 2Y40.97%
EPS Next 3Y31.35%
11.91
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners87.64%
Inst Owner Change5.02%
Ins Owners1.34%
Ins Owner Change0.17%
Market Cap6.64B
Revenue(TTM)1.96B
Net Income(TTM)489.72M
Analysts81.11
Price Target13.5 (13.35%)
Short Float %5.55%
Short Ratio2.81
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.72% |
Yearly Dividend0.47
Dividend Growth(5Y)1.53%
DP55.49%
Div Incr Years0
Div Non Decr Years10
Ex-Date
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)0%
PT rev (3m)19.2%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.37%
EPS NY rev (1m)0.16%
EPS NY rev (3m)3.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.52 | ||
| Fwd PE | 9.51 | ||
| P/S | 3.39 | ||
| P/FCF | 12.67 | ||
| P/OCF | 12.31 | ||
| P/B | 0.86 | ||
| P/tB | 1.16 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.82
EY6.88%
EPS(NY)1.25
Fwd EY10.51%
FCF(TTM)0.94
FCFY7.89%
OCF(TTM)0.97
OCFY8.12%
SpS3.51
BVpS13.8
TBVpS10.26
PEG (NY)0.27
PEG (5Y)N/A
Graham Number15.96
Profitability
| Industry Rank | Sector 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)0.78%
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
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-16.82%
PM growth 5Y-6.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector 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
WACC19.98%
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)13.89%
EPS 3Y-18.41%
EPS 5Y-7.49%
EPS Q2Q%55.56%
EPS Next Y54.79%
EPS Next 2Y40.97%
EPS Next 3Y31.35%
EPS Next 5YN/A
Revenue 1Y (TTM)7.52%
Revenue growth 3Y10.59%
Revenue growth 5Y10.66%
Sales Q2Q%8.48%
Revenue Next Year8.85%
Revenue Next 2Y9.47%
Revenue Next 3Y8.86%
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-31.47%
FCF growth 3Y-12.61%
FCF growth 5Y-18.05%
OCF growth 1Y-36.89%
OCF growth 3Y-13.14%
OCF growth 5Y-17.83%
VALLEY NATIONAL BANCORP / VLY FAQ
What is the fundamental rating for VLY stock?
ChartMill assigns a fundamental rating of 4 / 10 to VLY.
What is the valuation status for VLY stock?
ChartMill assigns a valuation rating of 5 / 10 to VALLEY NATIONAL BANCORP (VLY). This can be considered as Fairly Valued.
What is the profitability of VLY stock?
VALLEY NATIONAL BANCORP (VLY) has a profitability rating of 3 / 10.
What is the valuation of VALLEY NATIONAL BANCORP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for VALLEY NATIONAL BANCORP (VLY) is 14.52 and the Price/Book (PB) ratio is 0.86.
Can you provide the financial health for VLY stock?
The financial health rating of VALLEY NATIONAL BANCORP (VLY) is 3 / 10.