25.0016 USD
-0.39 (-1.53%)
Overall VLYPP gets a fundamental rating of 3 out of 10. We evaluated VLYPP against 385 industry peers in the Banks industry. VLYPP may be in some trouble as it scores bad on both profitability and health. VLYPP is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year VLYPP was profitable.
VLYPP had a positive operating cash flow in the past year.
Each year in the past 5 years VLYPP has been profitable.
VLYPP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
VLYPP has a Return On Assets of 0.78%. This is in the lower half of the industry: VLYPP underperforms 60.00% of its industry peers.
VLYPP's Return On Equity of 6.36% is on the low side compared to the rest of the industry. VLYPP is outperformed by 69.09% 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
With a Profit Margin value of 25.00%, VLYPP perfoms like the industry average, outperforming 54.29% of the companies in the same industry.
In the last couple of years the Profit Margin of VLYPP has declined.
VLYPP 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) | 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
VLYPP does not have a ROIC to compare to the WACC, probably because it is not profitable.
VLYPP has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, VLYPP has more shares outstanding
Compared to 1 year ago, VLYPP has about the same debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of VLYPP is 1.05, which is an excellent value as it means it would take VLYPP, only 1.05 years of fcf income to pay off all of its debts.
VLYPP's Debt to FCF ratio of 1.05 is fine compared to the rest of the industry. VLYPP outperforms 64.16% of its industry peers.
A Debt/Equity ratio of 0.07 indicates that VLYPP is not too dependend on debt financing.
VLYPP's Debt to Equity ratio of 0.07 is fine compared to the rest of the industry. VLYPP outperforms 75.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.05 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.21%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
VLYPP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.89%, which is quite good.
The Earnings Per Share has been decreasing by -7.49% on average over the past years.
VLYPP shows a small growth in Revenue. In the last year, the Revenue has grown by 7.52%.
VLYPP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.66% yearly.
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
Based on estimates for the next years, VLYPP will show a very strong growth in Earnings Per Share. The EPS will grow by 31.35% on average per year.
Based on estimates for the next years, VLYPP 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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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 30.49, which means the current valuation is very expensive for VLYPP.
VLYPP's Price/Earnings ratio is rather expensive when compared to the industry. VLYPP is more expensive than 84.94% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.55, VLYPP is valued at the same level.
A Price/Forward Earnings ratio of 19.97 indicates a rather expensive valuation of VLYPP.
Based on the Price/Forward Earnings ratio, VLYPP is valued a bit more expensive than 78.44% of the companies in the same industry.
VLYPP is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 23.78, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.49 | ||
| Fwd PE | 19.97 |
4.2 Price Multiples
VLYPP's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. VLYPP is more expensive than 76.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 26.61 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
VLYPP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
VLYPP's earnings are expected to grow with 31.35% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.56
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%, VLYPP has a reasonable but not impressive dividend return.
VLYPP's Dividend Yield is a higher than the industry average which is at 2.70.
Compared to an average S&P500 Dividend Yield of 1.87, VLYPP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.72% |
5.2 History
The dividend of VLYPP has a limited annual growth rate of 1.53%.
VLYPP has paid a dividend for at least 10 years, which is a reliable track record.
VLYPP has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)1.53%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
VLYPP pays out 55.49% of its income as dividend. This is a bit on the high side, but may be sustainable.
VLYPP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP55.49%
EPS Next 2Y40.97%
EPS Next 3Y31.35%
VALLEY NATIONAL BANCORP - VLY 8.11311 PERP
NASDAQ:VLYPP (12/15/2025, 8:00:02 PM)
25.0016
-0.39 (-1.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners87.64%
Inst Owner ChangeN/A
Ins Owners1.34%
Ins Owner ChangeN/A
Market Cap13.94B
Revenue(TTM)1.96B
Net Income(TTM)489.72M
Analysts81.11
Price Target29.71 (18.83%)
Short Float %0%
Short Ratio2.13
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 Years4
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)-2.8%
PT rev (3m)9.49%
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 | 30.49 | ||
| Fwd PE | 19.97 | ||
| P/S | 7.12 | ||
| P/FCF | 26.61 | ||
| P/OCF | 25.85 | ||
| P/B | 1.81 | ||
| P/tB | 2.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.82
EY3.28%
EPS(NY)1.25
Fwd EY5.01%
FCF(TTM)0.94
FCFY3.76%
OCF(TTM)0.97
OCFY3.87%
SpS3.51
BVpS13.8
TBVpS10.26
PEG (NY)0.56
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
WACC15.21%
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 8.11311 PERP / VLYPP FAQ
Can you provide the ChartMill fundamental rating for VALLEY NATIONAL BANCORP - VLY 8.11311 PERP?
ChartMill assigns a fundamental rating of 3 / 10 to VLYPP.
What is the valuation status for VLYPP stock?
ChartMill assigns a valuation rating of 2 / 10 to VALLEY NATIONAL BANCORP - VLY 8.11311 PERP (VLYPP). This can be considered as Overvalued.
Can you provide the profitability details for VALLEY NATIONAL BANCORP - VLY 8.11311 PERP?
VALLEY NATIONAL BANCORP - VLY 8.11311 PERP (VLYPP) has a profitability rating of 2 / 10.
What is the financial health of VALLEY NATIONAL BANCORP - VLY 8.11311 PERP (VLYPP) stock?
The financial health rating of VALLEY NATIONAL BANCORP - VLY 8.11311 PERP (VLYPP) is 3 / 10.
Is the dividend of VALLEY NATIONAL BANCORP - VLY 8.11311 PERP sustainable?
The dividend rating of VALLEY NATIONAL BANCORP - VLY 8.11311 PERP (VLYPP) is 6 / 10 and the dividend payout ratio is 55.49%.