VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP(NASDAQ:VLYPN) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to VLYPN. VLYPN was compared to 404 industry peers in the Banks industry. VLYPN may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, VLYPN is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

VLYPN had positive earnings in the past year.

In the past year VLYPN has reported a negative cash flow from operations.

VLYPN had positive earnings in each of the past 5 years.

Of the past 5 years VLYPN 4 years had a positive operating cash flow.

1.2 Ratios

The Return On Assets of VLYPN (0.51%) is worse than 72.36% of its industry peers.

The Return On Equity of VLYPN (4.56%) is worse than 77.14% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.51%
ROE	4.56%
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

VLYPN has a Profit Margin of 17.44%. This is in the lower half of the industry: VLYPN underperforms 67.84% of its industry peers.

In the last couple of years the Profit Margin of VLYPN has declined.

The Operating Margin and Gross Margin are not available for VLYPN so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	17.44%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

VLYPN does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for VLYPN has been increased compared to 1 year ago.

VLYPN has more shares outstanding than it did 5 years ago.

The debt/assets ratio for VLYPN is higher compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 0.11 indicates that VLYPN is not too dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.11, VLYPN is in the better half of the industry, outperforming 71.36% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.11
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC13.72%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for VLYPN have decreased strongly by -40.57% in the last year.

Measured over the past years, VLYPN shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.49% on average per year.

Looking at the last year, VLYPN shows a decrease in Revenue. The Revenue has decreased by -2.40% in the last year.

VLYPN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.66% yearly.

EPS 1Y (TTM)-40.57%

EPS 3Y-18.41%

EPS 5Y-7.49%

EPS Q2Q%-40.91%

Revenue 1Y (TTM)-2.4%

Revenue growth 3Y10.59%

Revenue growth 5Y10.66%

Sales Q2Q%5.38%

3.2 Future

VLYPN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 25.30% yearly.

Based on estimates for the next years, VLYPN will show a small growth in Revenue. The Revenue will grow by 7.50% on average per year.

EPS Next Y52.46%

EPS Next 2Y36.49%

EPS Next 3Y25.3%

EPS Next 5YN/A

Revenue Next Year10.13%

Revenue Next 2Y9.32%

Revenue Next 3Y7.5%

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

VLYPN is valuated quite expensively with a Price/Earnings ratio of 40.57.

Compared to the rest of the industry, the Price/Earnings ratio of VLYPN indicates a rather expensive valuation: VLYPN more expensive than 87.44% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 30.30. VLYPN is valued slightly more expensive when compared to this.

The Price/Forward Earnings ratio is 26.61, which means the current valuation is very expensive for VLYPN.

79.40% of the companies in the same industry are cheaper than VLYPN, based on the Price/Forward Earnings ratio.

VLYPN's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.06.

		Industry Rank	Sector Rank
PE	40.57
Fwd PE	26.61

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

VLYPN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

VLYPN's earnings are expected to grow with 25.30% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.77

PEG (5Y)N/A

EPS Next 2Y36.49%

EPS Next 3Y25.3%

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5. Dividend

5.1 Amount

VLYPN has a Yearly Dividend Yield of 4.44%, which is a nice return.

VLYPN's Dividend Yield is rather good when compared to the industry average which is at 3.16. VLYPN pays more dividend than 86.18% of the companies in the same industry.

VLYPN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.29.

		Industry Rank	Sector Rank
Dividend Yield	4.44%

5.2 History

The dividend of VLYPN decreases each year by -1.89%.

VLYPN is new to the dividend game and has less than 3 years of track record.

Dividend Growth(5Y)-1.89%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

VLYPN pays out 77.03% of its income as dividend. This is not a sustainable payout ratio.

DP77.03%

EPS Next 2Y36.49%

EPS Next 3Y25.3%

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VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP

NASDAQ:VLYPN (2/21/2025, 4:30:01 PM)

25.56

+0.06 (+0.24%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-23 2025-01-23/bmo

Earnings (Next)07-23 2025-07-23/bmo

Inst Owners81.27%

Inst Owner ChangeN/A

Ins Owners1.58%

Ins Owner ChangeN/A

Market Cap14.28B

Analysts73.33

Price Target29.76 (16.43%)

Short Float %0%

Short Ratio0.12

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.44%

Yearly Dividend0.47

Dividend Growth(5Y)-1.89%

DP77.03%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-16.5%

Min EPS beat(2)-33.43%

Max EPS beat(2)0.43%

EPS beat(4)1

Avg EPS beat(4)-13.47%

Min EPS beat(4)-33.43%

Max EPS beat(4)0.43%

EPS beat(8)1

Avg EPS beat(8)-9.06%

EPS beat(12)4

Avg EPS beat(12)-5.29%

EPS beat(16)6

Avg EPS beat(16)-4.02%

Revenue beat(2)0

Avg Revenue beat(2)-1.27%

Min Revenue beat(2)-2.49%

Max Revenue beat(2)-0.06%

Revenue beat(4)0

Avg Revenue beat(4)-2.1%

Min Revenue beat(4)-4.83%

Max Revenue beat(4)-0.06%

Revenue beat(8)0

Avg Revenue beat(8)-2.84%

Revenue beat(12)4

Avg Revenue beat(12)-1.1%

Revenue beat(16)7

Avg Revenue beat(16)-1%

PT rev (1m)-9.7%

PT rev (3m)9.72%

EPS NQ rev (1m)-5.54%

EPS NQ rev (3m)-9.82%

EPS NY rev (1m)4.99%

EPS NY rev (3m)-0.29%

Revenue NQ rev (1m)0.47%

Revenue NQ rev (3m)0.83%

Revenue NY rev (1m)2.91%

Revenue NY rev (3m)3.48%

Valuation

		Industry Rank	Sector Rank
PE	40.57
Fwd PE	26.61
P/S	7.84
P/FCF	N/A
P/OCF	N/A
P/B	2.05
P/tB	2.87
EV/EBITDA	N/A

EPS(TTM)0.63

EY2.46%

EPS(NY)0.96

Fwd EY3.76%

FCF(TTM)-0.24

FCFYN/A

OCF(TTM)-0.22

OCFYN/A

SpS3.26

BVpS12.48

TBVpS8.89

PEG (NY)0.77

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.51%
ROE	4.56%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	17.44%
GM	N/A
FCFM	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

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-Score3

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.11
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	17.99%
Cap/Sales	0.78%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score3

WACC13.72%

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)-40.57%

EPS 3Y-18.41%

EPS 5Y-7.49%

EPS Q2Q%-40.91%

EPS Next Y52.46%

EPS Next 2Y36.49%

EPS Next 3Y25.3%

EPS Next 5YN/A

Revenue 1Y (TTM)-2.4%

Revenue growth 3Y10.59%

Revenue growth 5Y10.66%

Sales Q2Q%5.38%

Revenue Next Year10.13%

Revenue Next 2Y9.32%

Revenue Next 3Y7.5%

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-117.84%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-114.3%

OCF growth 3YN/A

OCF growth 5YN/A

VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP (VLYPN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens