Valley National Bancorp
Valley National Bancorp Fundamental Analysis
Valley National Bancorp (VLYPO) shows moderate financial fundamentals with a PE ratio of 12.30, profit margin of 17.11%, and ROE of 7.82%. The company generates $1.4B in annual revenue with weak year-over-year growth of -43.28%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -7.1/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze VLYPO's fundamental strength across five key dimensions:
Efficiency Score
WeakVLYPO struggles to generate sufficient returns from assets.
Valuation Score
ExcellentVLYPO trades at attractive valuation levels.
Growth Score
ModerateVLYPO shows steady but slowing expansion.
Financial Health Score
ModerateVLYPO shows balanced financial health with some risks.
Profitability Score
ModerateVLYPO maintains healthy but balanced margins.
Key Financial Metrics
Is VLYPO Expensive or Cheap?
P/E Ratio
VLYPO trades at 12.30 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, VLYPO's PEG of 0.78 indicates potential undervaluation.
Price to Book
The market values Valley National Bancorp at 0.94 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 4.85 times EBITDA. This is generally considered low.
How Well Does VLYPO Make Money?
Net Profit Margin
For every $100 in sales, Valley National Bancorp keeps $17.11 as profit after all expenses.
Operating Margin
Core operations generate 21.29 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $7.82 in profit for every $100 of shareholder equity.
ROA
Valley National Bancorp generates $0.93 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Valley National Bancorp generates limited operating cash flow of $57.35M, signaling weaker underlying cash strength.
Free Cash Flow
Valley National Bancorp produces free cash flow of $55.04M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $0.25 in free cash annually.
FCF Yield
VLYPO converts 1.89% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.30
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.78
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.94
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.10
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.49
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.08
vs 25 benchmark
ROA
Return on assets percentage
0.009
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How VLYPO Stacks Against Its Sector Peers
| Metric | VLYPO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.30 | 18.86 | Better (Cheaper) |
| ROE | 7.82% | 847.00% | Weak |
| Net Margin | 17.11% | 4202.00% | Weak |
| Debt/Equity | 0.49 | 0.91 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 667.17 | Weak Liquidity |
| ROA | 0.93% | -21543.00% (disorted) | Weak |
VLYPO outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Valley National Bancorp's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-6.68%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
10.45%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-100.00%
Industry Style: Value, Dividend, Cyclical
Declining