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

NASDAQ:VLYPN - Nasdaq - US9197944047

25.9  +0.31 (+1.21%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to VLYPN. VLYPN was compared to 405 industry peers in the Banks industry. VLYPN may be in some trouble as it scores bad on both profitability and health. VLYPN does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year VLYPN was profitable.
VLYPN had a negative operating cash flow in the past year.
In the past 5 years VLYPN has always been profitable.
VLYPN had a positive operating cash flow in each of the past 5 years.
VLYPN Yearly Net Income VS EBIT VS OCF VS FCFVLYPN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B

1.2 Ratios

VLYPN has a worse Return On Assets (0.51%) than 71.61% of its industry peers.
VLYPN has a worse Return On Equity (4.56%) than 76.63% of its industry peers.
Industry RankSector Rank
ROA 0.51%
ROE 4.56%
ROIC N/A
ROA(3y)0.94%
ROA(5y)0.91%
ROE(3y)8.32%
ROE(5y)7.99%
ROIC(3y)N/A
ROIC(5y)N/A
VLYPN Yearly ROA, ROE, ROICVLYPN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8

1.3 Margins

With a Profit Margin value of 17.44%, VLYPN is not doing good in the industry: 67.59% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of VLYPN has remained more or less at the same level.
VLYPN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 17.44%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.22%
PM growth 5Y0.33%
GM growth 3YN/A
GM growth 5YN/A
VLYPN Yearly Profit, Operating, Gross MarginsVLYPN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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1

2. Health

2.1 Basic Checks

VLYPN does not have a ROIC to compare to the WACC, probably because it is not profitable.
VLYPN has more shares outstanding than it did 1 year ago.
The number of shares outstanding for VLYPN has been increased compared to 5 years ago.
The debt/assets ratio for VLYPN has been reduced compared to a year ago.
VLYPN Yearly Shares OutstandingVLYPN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M 500M
VLYPN Yearly Total Debt VS Total AssetsVLYPN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 20B 40B 60B

2.2 Solvency

VLYPN has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.11, VLYPN is in the better half of the industry, outperforming 71.61% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC13.74%
VLYPN Yearly LT Debt VS Equity VS FCFVLYPN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
VLYPN Yearly Current Assets VS Current LiabilitesVLYPN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B

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3

3. Growth

3.1 Past

The earnings per share for VLYPN have decreased strongly by -39.50% in the last year.
Measured over the past 5 years, VLYPN shows a small growth in Earnings Per Share. The EPS has been growing by 5.27% on average per year.
The Revenue has decreased by -7.05% in the past year.
VLYPN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.79% yearly.
EPS 1Y (TTM)-39.5%
EPS 3Y3.36%
EPS 5Y5.27%
EPS Q2Q%-30.77%
Revenue 1Y (TTM)-7.05%
Revenue growth 3Y13.25%
Revenue growth 5Y13.79%
Sales Q2Q%0.02%

3.2 Future

The Earnings Per Share is expected to grow by 1.33% on average over the next years.
Based on estimates for the next years, VLYPN will show a small growth in Revenue. The Revenue will grow by 3.88% on average per year.
EPS Next Y-38.59%
EPS Next 2Y-7.1%
EPS Next 3Y1.33%
EPS Next 5YN/A
Revenue Next Year-3.22%
Revenue Next 2Y1.8%
Revenue Next 3Y3.88%
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 decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
VLYPN Yearly Revenue VS EstimatesVLYPN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 500M 1B 1.5B 2B
VLYPN Yearly EPS VS EstimatesVLYPN Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

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0

4. Valuation

4.1 Price/Earnings Ratio

VLYPN is valuated quite expensively with a Price/Earnings ratio of 35.97.
VLYPN's Price/Earnings ratio is rather expensive when compared to the industry. VLYPN is more expensive than 87.69% of the companies in the same industry.
When comparing the Price/Earnings ratio of VLYPN to the average of the S&P500 Index (27.96), we can say VLYPN is valued slightly more expensively.
The Price/Forward Earnings ratio is 28.31, which means the current valuation is very expensive for VLYPN.
Based on the Price/Forward Earnings ratio, VLYPN is valued a bit more expensive than the industry average as 79.65% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.11, VLYPN is valued at the same level.
Industry RankSector Rank
PE 35.97
Fwd PE 28.31
VLYPN Price Earnings VS Forward Price EarningsVLYPN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
VLYPN Per share dataVLYPN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)6.83
EPS Next 2Y-7.1%
EPS Next 3Y1.33%

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.68%, VLYPN is a good candidate for dividend investing.
VLYPN's Dividend Yield is rather good when compared to the industry average which is at 3.24. VLYPN pays more dividend than 86.93% 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 RankSector Rank
Dividend Yield 4.68%

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 2Y-7.1%
EPS Next 3Y1.33%
VLYPN Yearly Income VS Free CF VS DividendVLYPN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B
VLYPN Dividend Payout.VLYPN Dividend Payout, showing the Payout Ratio.VLYPN Dividend Payout.PayoutRetained Earnings

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VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP

NASDAQ:VLYPN (1/17/2025, 8:00:01 PM)

25.9

+0.31 (+1.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-24 2024-10-24/bmo
Earnings (Next)01-23 2025-01-23/bmo
Inst Owners81.27%
Inst Owner ChangeN/A
Ins Owners1.58%
Ins Owner ChangeN/A
Market Cap14.46B
Analysts73.33
Price Target32.96 (27.26%)
Short Float %0%
Short Ratio1.21
Dividend
Industry RankSector Rank
Dividend Yield 4.68%
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)19.49%
PT rev (3m)23.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-37.11%
EPS NY rev (1m)0%
EPS NY rev (3m)-8.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-6.24%
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)-0.53%
Valuation
Industry RankSector Rank
PE 35.97
Fwd PE 28.31
P/S 7.94
P/FCF N/A
P/OCF N/A
P/B 2.07
P/tB 2.91
EV/EBITDA N/A
EPS(TTM)0.72
EY2.78%
EPS(NY)0.91
Fwd EY3.53%
FCF(TTM)-0.24
FCFYN/A
OCF(TTM)-0.22
OCFYN/A
SpS3.26
BVpS12.49
TBVpS8.9
PEG (NY)N/A
PEG (5Y)6.83
Profitability
Industry RankSector 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)0.94%
ROA(5y)0.91%
ROE(3y)8.32%
ROE(5y)7.99%
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-4.22%
PM growth 5Y0.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.03
Health
Industry RankSector 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-Score2
WACC13.74%
ROIC/WACCN/A
Cap/Depr(3y)68.38%
Cap/Depr(5y)53.57%
Cap/Sales(3y)3.54%
Cap/Sales(5y)2.92%
Profit Quality(3y)160.08%
Profit Quality(5y)199.74%
High Growth Momentum
Growth
EPS 1Y (TTM)-39.5%
EPS 3Y3.36%
EPS 5Y5.27%
EPS Q2Q%-30.77%
EPS Next Y-38.59%
EPS Next 2Y-7.1%
EPS Next 3Y1.33%
EPS Next 5YN/A
Revenue 1Y (TTM)-7.05%
Revenue growth 3Y13.25%
Revenue growth 5Y13.79%
Sales Q2Q%0.02%
Revenue Next Year-3.22%
Revenue Next 2Y1.8%
Revenue Next 3Y3.88%
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-109.64%
FCF growth 3Y33.53%
FCF growth 5Y-11.83%
OCF growth 1Y-108.23%
OCF growth 3Y35.65%
OCF growth 5Y-8.62%