VALLEY NATIONAL BANCORP - VLY 8.43172 PERP(NASDAQ:VLYPO) stock Fundamental Analysis

Fundamental Rating

Overall VLYPO gets a fundamental rating of 2 out of 10. We evaluated VLYPO against 404 industry peers in the Banks industry. VLYPO may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, VLYPO is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

In the past year VLYPO was profitable.

VLYPO had a negative operating cash flow in the past year.

Each year in the past 5 years VLYPO has been profitable.

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

1.2 Ratios

VLYPO has a Return On Assets of 0.51%. This is in the lower half of the industry: VLYPO underperforms 72.11% of its industry peers.

Looking at the Return On Equity, with a value of 4.56%, VLYPO is doing worse than 76.88% of the companies in the same industry.

		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

VLYPO's Profit Margin of 17.44% is on the low side compared to the rest of the industry. VLYPO is outperformed by 67.59% of its industry peers.

VLYPO's Profit Margin has declined in the last couple of years.

VLYPO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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

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

VLYPO has more shares outstanding than it did 1 year ago.

The number of shares outstanding for VLYPO has been increased compared to 5 years ago.

Compared to 1 year ago, VLYPO has a worse debt to assets ratio.

2.2 Solvency

VLYPO has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.

VLYPO has a better Debt to Equity ratio (0.11) than 71.61% of its industry peers.

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

ROIC/WACCN/A

WACC13.75%

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 VLYPO have decreased strongly by -40.57% in the last year.

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

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

VLYPO 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

Based on estimates for the next years, VLYPO will show a very strong growth in Earnings Per Share. The EPS will grow by 25.30% on average per year.

VLYPO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.50% yearly.

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

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 39.98, VLYPO can be considered very expensive at the moment.

87.19% of the companies in the same industry are cheaper than VLYPO, based on the Price/Earnings ratio.

VLYPO's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 30.30.

With a Price/Forward Earnings ratio of 26.23, VLYPO can be considered very expensive at the moment.

VLYPO's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. VLYPO is more expensive than 79.15% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 23.06. VLYPO is around the same levels.

		Industry Rank	Sector Rank
PE	39.98
Fwd PE	26.23

4.2 Price Multiples

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

4.3 Compensation for Growth

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

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

PEG (NY)0.76

PEG (5Y)N/A

EPS Next 2Y36.49%

EPS Next 3Y25.3%

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5. Dividend

5.1 Amount

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

Compared to an average industry Dividend Yield of 3.16, VLYPO pays a better dividend. On top of this VLYPO pays more dividend than 86.43% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.29, VLYPO pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.44%

5.2 History

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

VLYPO has been paying a dividend for over 5 years, so it has already some track record.

VLYPO has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

Dividend Growth(5Y)-1.89%

Div Incr Years2

Div Non Decr Years6

5.3 Sustainability

77.03% of the earnings are spent on dividend by VLYPO. 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 8.43172 PERP

NASDAQ:VLYPO (2/21/2025, 3:47:21 PM)

25.19

-0.12 (-0.47%)

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 Cap14.08B

Analysts73.33

Price Target28.78 (14.25%)

Short Float %0%

Short Ratio0.41

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.44%

Yearly Dividend0.47

Dividend Growth(5Y)-1.89%

DP77.03%

Div Incr Years2

Div Non Decr Years6

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)-7.39%

PT rev (3m)10.12%

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	39.98
Fwd PE	26.23
P/S	7.73
P/FCF	N/A
P/OCF	N/A
P/B	2.02
P/tB	2.83
EV/EBITDA	N/A

EPS(TTM)0.63

EY2.5%

EPS(NY)0.96

Fwd EY3.81%

FCF(TTM)-0.24

FCFYN/A

OCF(TTM)-0.22

OCFYN/A

SpS3.26

BVpS12.48

TBVpS8.89

PEG (NY)0.76

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

WACC13.75%

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 8.43172 PERP (VLYPO) 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