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VALLEY NATIONAL BANCORP - VLY 8.43172 PERP (VLYPO) Stock Fundamental Analysis

NASDAQ:VLYPO - Nasdaq - US9197943056

25.0433  -0.13 (-0.5%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to VLYPO. VLYPO was compared to 405 industry peers in the Banks industry. Both the profitability and financial health of VLYPO have multiple concerns. VLYPO has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year VLYPO was profitable.
VLYPO had a negative operating cash flow in the past year.
In the past 5 years VLYPO has always been profitable.
Each year in the past 5 years VLYPO had a positive operating cash flow.
VLYPO Yearly Net Income VS EBIT VS OCF VS FCFVLYPO 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

VLYPO has a Return On Assets of 0.51%. This is in the lower half of the industry: VLYPO underperforms 71.11% of its industry peers.
The Return On Equity of VLYPO (4.56%) is worse than 76.13% 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
VLYPO Yearly ROA, ROE, ROICVLYPO 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%, VLYPO is not doing good in the industry: 67.09% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of VLYPO has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for VLYPO so they could not be analyzed.
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
VLYPO Yearly Profit, Operating, Gross MarginsVLYPO 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

VLYPO does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, VLYPO has more shares outstanding
The number of shares outstanding for VLYPO has been increased compared to 5 years ago.
VLYPO has a better debt/assets ratio than last year.
VLYPO Yearly Shares OutstandingVLYPO Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M 500M
VLYPO Yearly Total Debt VS Total AssetsVLYPO 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

VLYPO 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, VLYPO is in the better half of the industry, outperforming 72.11% 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
WACC13.87%
VLYPO Yearly LT Debt VS Equity VS FCFVLYPO 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
VLYPO Yearly Current Assets VS Current LiabilitesVLYPO 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 VLYPO have decreased strongly by -39.50% in the last year.
Measured over the past 5 years, VLYPO 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.
VLYPO 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

VLYPO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.33% yearly.
The Revenue is expected to grow by 3.88% on average over the next years.
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

The EPS growth rate is decreasing: in the next years the growth will be less 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.
VLYPO Yearly Revenue VS EstimatesVLYPO 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
VLYPO Yearly EPS VS EstimatesVLYPO 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

Based on the Price/Earnings ratio of 34.78, the valuation of VLYPO can be described as expensive.
VLYPO's Price/Earnings ratio is rather expensive when compared to the industry. VLYPO is more expensive than 86.43% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.96, VLYPO is valued a bit more expensive.
A Price/Forward Earnings ratio of 27.37 indicates a quite expensive valuation of VLYPO.
79.15% of the companies in the same industry are cheaper than VLYPO, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 24.11. VLYPO is around the same levels.
Industry RankSector Rank
PE 34.78
Fwd PE 27.37
VLYPO Price Earnings VS Forward Price EarningsVLYPO 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
VLYPO Per share dataVLYPO 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)6.6
EPS Next 2Y-7.1%
EPS Next 3Y1.33%

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6

5. Dividend

5.1 Amount

VLYPO has a Yearly Dividend Yield of 4.68%, which is a nice return.
Compared to an average industry Dividend Yield of 3.24, VLYPO pays a better dividend. On top of this VLYPO pays more dividend than 87.44% 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 RankSector Rank
Dividend Yield 4.68%

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
VLYPO Yearly Dividends per shareVLYPO Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 0.5 1 1.5 2

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

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VALLEY NATIONAL BANCORP - VLY 8.43172 PERP

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

25.0433

-0.13 (-0.5%)

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 Cap13.98B
Analysts73.33
Price Target31.08 (24.11%)
Short Float %0%
Short Ratio1.02
Dividend
Industry RankSector Rank
Dividend Yield 4.68%
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)18.45%
PT rev (3m)23.43%
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 34.78
Fwd PE 27.37
P/S 7.68
P/FCF N/A
P/OCF N/A
P/B 2.01
P/tB 2.81
EV/EBITDA N/A
EPS(TTM)0.72
EY2.88%
EPS(NY)0.91
Fwd EY3.65%
FCF(TTM)-0.24
FCFYN/A
OCF(TTM)-0.22
OCFYN/A
SpS3.26
BVpS12.49
TBVpS8.9
PEG (NY)N/A
PEG (5Y)6.6
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
WACC13.87%
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%