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VALLEY NATIONAL BANCORP - VLY 6 1/4 PERP (VLYPP) Stock Fundamental Analysis

NASDAQ:VLYPP - Nasdaq - US9197942066

25.18  +0.11 (+0.42%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to VLYPP. VLYPP was compared to 405 industry peers in the Banks industry. Both the profitability and financial health of VLYPP have multiple concerns. VLYPP 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 VLYPP was profitable.
In the past year VLYPP has reported a negative cash flow from operations.
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.
VLYPP Yearly Net Income VS EBIT VS OCF VS FCFVLYPP 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

VLYPP has a Return On Assets of 0.51%. This is in the lower half of the industry: VLYPP underperforms 71.36% of its industry peers.
The Return On Equity of VLYPP (4.56%) is worse than 76.38% 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
VLYPP Yearly ROA, ROE, ROICVLYPP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8

1.3 Margins

The Profit Margin of VLYPP (17.44%) is worse than 67.34% of its industry peers.
VLYPP's Profit Margin has been stable in the last couple of years.
VLYPP 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
VLYPP Yearly Profit, Operating, Gross MarginsVLYPP 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

VLYPP does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, VLYPP has more shares outstanding
VLYPP has more shares outstanding than it did 5 years ago.
VLYPP has a better debt/assets ratio than last year.
VLYPP Yearly Shares OutstandingVLYPP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M 500M
VLYPP Yearly Total Debt VS Total AssetsVLYPP 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

A Debt/Equity ratio of 0.11 indicates that VLYPP is not too dependend on debt financing.
VLYPP's Debt to Equity ratio of 0.11 is fine compared to the rest of the industry. VLYPP outperforms 71.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC13.84%
VLYPP Yearly LT Debt VS Equity VS FCFVLYPP 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
VLYPP Yearly Current Assets VS Current LiabilitesVLYPP 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

VLYPP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -39.50%.
Measured over the past 5 years, VLYPP 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.
VLYPP 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.
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.
VLYPP Yearly Revenue VS EstimatesVLYPP 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
VLYPP Yearly EPS VS EstimatesVLYPP 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

VLYPP is valuated quite expensively with a Price/Earnings ratio of 34.97.
Based on the Price/Earnings ratio, VLYPP is valued expensively inside the industry as 86.93% of the companies are valued cheaper.
The average S&P500 Price/Earnings ratio is at 27.96. VLYPP is valued slightly more expensive when compared to this.
A Price/Forward Earnings ratio of 27.52 indicates a quite expensive valuation of VLYPP.
79.40% of the companies in the same industry are cheaper than VLYPP, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 24.11. VLYPP is around the same levels.
Industry RankSector Rank
PE 34.97
Fwd PE 27.52
VLYPP Price Earnings VS Forward Price EarningsVLYPP 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
VLYPP Per share dataVLYPP 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)6.64
EPS Next 2Y-7.1%
EPS Next 3Y1.33%

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5

5. Dividend

5.1 Amount

VLYPP has a Yearly Dividend Yield of 4.68%, which is a nice return.
Compared to an average industry Dividend Yield of 3.24, VLYPP pays a better dividend. On top of this VLYPP pays more dividend than 87.19% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.29, VLYPP pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.68%

5.2 History

The dividend of VLYPP decreases each year by -1.89%.
VLYPP has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of VLYPP decreased recently.
Dividend Growth(5Y)-1.89%
Div Incr Years0
Div Non Decr Years1
VLYPP Yearly Dividends per shareVLYPP Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.5 1 1.5

5.3 Sustainability

VLYPP 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%
VLYPP Yearly Income VS Free CF VS DividendVLYPP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B
VLYPP Dividend Payout.VLYPP Dividend Payout, showing the Payout Ratio.VLYPP Dividend Payout.PayoutRetained Earnings

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VALLEY NATIONAL BANCORP - VLY 6 1/4 PERP

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

25.18

+0.11 (+0.42%)

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 Cap14.06B
Analysts73.33
Price Target31.18 (23.83%)
Short Float %0.04%
Short Ratio13.83
Dividend
Industry RankSector Rank
Dividend Yield 4.68%
Yearly Dividend0.47
Dividend Growth(5Y)-1.89%
DP77.03%
Div Incr Years0
Div Non Decr Years1
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)18.5%
PT rev (3m)26.1%
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 34.97
Fwd PE 27.52
P/S 7.72
P/FCF N/A
P/OCF N/A
P/B 2.02
P/tB 2.83
EV/EBITDA N/A
EPS(TTM)0.72
EY2.86%
EPS(NY)0.91
Fwd EY3.63%
FCF(TTM)-0.24
FCFYN/A
OCF(TTM)-0.22
OCFYN/A
SpS3.26
BVpS12.49
TBVpS8.9
PEG (NY)N/A
PEG (5Y)6.64
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
WACC13.84%
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%