VLY Stock Analysis: Valley National Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 7.002m USD | 12M Return: 21% | US9197941076 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 94.3M
EPS Trend: 3.3%
Qual. Beats: 0
Rev. Trend: -7.0%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Valley National Bancorp (NASDAQ: VLY) is the holding company for Valley National Bank, a regional bank founded in 1927 and headquartered in Morristown, New Jersey. The company operates through three segments-Consumer Banking, Commercial Banking, and Treasury and Corporate-offering a full suite of deposit products, commercial and consumer loans, and wealth management services. As a bank holding company, Valley National is regulated by the Federal Reserve and structures its operations to separate the banking subsidiary from non-banking financial activities.
In addition to traditional lending and deposit services, Valley National provides trust and estate administration, brokerage, insurance agency, and equipment leasing services. The bank also targets niche markets, including homeowners associations, cannabis-related businesses, and venture banking clients, while offering digital banking channels such as online, mobile, and ATM services. This diversified mix of interest-based and fee-based income is characteristic of regional banks seeking to offset margin pressure from core lending with non-interest revenue streams.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan losses pressure credit costs
- Niche cannabis and healthcare lending drives loan growth
| Net Income: 693.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.24 > 1.0 |
| NWC/Revenue: -1.51k% < 20% (prev -1.40k%; Δ -116.3% < -1%) |
| CFO/TA 0.01 > 3% & CFO 575.0m > Net Income 693.6m |
| Net Debt (-5.32b) to EBITDA (465.0m): -11.44 < 3 |
| Current Ratio: 0.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (558.0m) vs 12m ago -0.97% < -2% |
| Gross Margin: 50.50% > 18% (prev 46.41%; Δ 4.10% > 0.5%) |
| Asset Turnover: 4.62% > 50% (prev 5.60%; Δ -0.98% > 0%) |
| Interest Coverage Ratio: 0.32 > 6 (EBIT TTM 431.7m / Interest Expense TTM 1.35b) |
| A: -0.68 (Total Current Assets 9.38b - Total Current Liabilities 54.6b) / Total Assets 66.3b |
| B: 0.03 (Retained Earnings 2.10b / Total Assets 66.3b) |
| C: 0.01 (EBIT TTM 431.7m / Avg Total Assets 64.5b) |
| D: 0.14 (Book Value of Equity 7.92b / Total Liabilities 58.4b) |
| Altman-Z'' = -4.18 = D |
| DSRI: 1.24 (Receivables 250.7m/238.3m, Revenue 2.98b/3.51b) |
| GMI: 0.92 (GM 46.41% / 50.50%) |
| AQI: 0.88 (AQ_t 0.85 / AQ_t-1 0.96) |
| SGI: 0.85 (Revenue 2.98b / 3.51b) |
| TATA: 0.00 (NI 693.6m - CFO 575.0m) / TA 66.3b) |
| Beneish M = -3.08 (Cap -4..+1) = AA |
As of October 06, 2026, the stock is trading at USD 12.76 with a total of 5,886,972 shares traded. Over the past week, the price has changed by -0.16%, over one month by -7.60%, over three months by -13.03% and over the past year by +21.02%.
Current recommended Stop Loss: 12.00 (which is 6% or 2.5 ATR below the current price).
Valley National Bancorp has received a consensus analysts rating of 4.36. Therefore, it is recommended to buy VLY.
- StrongBuy: 8
- Buy: 3
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 16.6 | 29.9% |
P/E Trailing = 10.7373
P/E Forward = 8.4175
P/S = 3.4864
P/B = 0.9411
P/EG = 1.1627
Revenue TTM = 2.98b USD
EBIT TTM = 431.7m USD
EBITDA TTM = 465.0m USD
Long Term Debt = 2.67b USD (from longTermDebt, last quarter)
Short Term Debt = 433.5m USD (from shortTermDebt, last quarter)
Debt = 3.81b USD (from shortLongTermDebtTotal, last quarter) + Leases 355.5m
Net Debt = -5.32b USD (calculated: Debt 3.81b - CCE 9.13b)
Enterprise Value = 1.68b USD (7.00b + Debt 3.81b - CCE 9.13b)
Interest Coverage Ratio = 0.32 (Ebit TTM 431.7m / Interest Expense TTM 1.35b)
EV/FCF = 3.03x (Enterprise Value 1.68b / FCF TTM 555.2m)
FCF Yield = 33.05% (FCF TTM 555.2m / Enterprise Value 1.68b)
FCF Margin = 18.62% (FCF TTM 555.2m / Revenue TTM 2.98b)
Net Margin = 23.26% (Net Income TTM 693.6m / Revenue TTM 2.98b)
Gross Margin = 50.50% ((Revenue TTM 2.98b - Cost of Revenue TTM 1.48b) / Revenue TTM)
Gross Margin QoQ = -8.06% (prev 59.56%)
Tobins Q-Ratio = 0.03 (Enterprise Value 1.68b / Total Assets 66.3b)
Interest Expense / Debt = 35.51% (Interest Expense 1.35b / Debt 3.81b)
Taxrate = 19.47% (167.7m / 861.3m)
NOPAT = 347.6m (EBIT 431.7m * (1 - 19.47%))
Current Ratio = 0.17 (Total Current Assets 9.38b / Total Current Liabilities 54.6b)
Debt / Equity = 0.48 (Debt 3.81b / totalStockholderEquity, last quarter 7.92b)
Debt / EBITDA = -11.44 (Net Debt -5.32b / EBITDA 465.0m)
Debt / FCF = -9.59 (Net Debt -5.32b / FCF TTM 555.2m)
Total Stockholder Equity = 7.81b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.08% (Net Income 693.6m / Total Assets 66.3b)
RoE = 8.88% (Net Income TTM 693.6m / Total Stockholder Equity 7.81b)
RoCE = 4.12% (EBIT 431.7m / Capital Employed (Equity 7.81b + L.T.Debt 2.67b))
RoIC = 2.88% (NOPAT 347.6m / Invested Capital 12.1b)
WACC = 16.25% (E(7.00b)/V(10.8b) * Re(9.54%) + D(3.81b)/V(10.8b) * Rd(35.51%) * (1-Tc(0.19)))
Discount Rate = 9.54% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 83.27 | Cagr: 4.02%
[DCF] Terminal Value 56.61% ; FCFF base≈483.9m ; Y1≈554.7m ; Y5≈816.4m
[DCF] Fair Price = 18.79 (EV 5.06b - Net Debt -5.32b = Equity 10.4b / Shares 552.6m; r=16.25% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 3.29 | EPS CAGR: 0.86% | SUE: -0.38 | # QB: 0
Revenue Correlation: -6.95 | Revenue CAGR: -0.42% | SUE: -0.41 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.33 | Chg30d=-0.90% | Revisions=+18% | Analysts=15
EPS current Year (2026-12-31): EPS=1.27 | Chg30d=-0.38% | Revisions=-50% | GrowthEPS=+28.7% | GrowthRev=+12.3%
EPS next Year (2027-12-31): EPS=1.54 | Chg30d=-0.42% | Revisions=-17% | GrowthEPS=+20.8% | GrowthRev=+12.4%
[Analyst] Revisions Ratio: -12% (up=6, down=8)