(VLY) Valley National Bancorp - Overview
Stock: Deposits, Loans, Cards, Insurance, Digital
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.49% |
| Yield on Cost 5y | 4.76% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 96.7% |
| Payout Ratio | 44.0% |
| Risk 5d forecast | |
|---|---|
| Volatility | 34.3% |
| Relative Tail Risk | -8.39% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.01 |
| Alpha | 22.62 |
| Character TTM | |
|---|---|
| Beta | 1.041 |
| Beta Downside | 1.102 |
| Drawdowns 3y | |
|---|---|
| Max DD | 46.14% |
| CAGR/Max DD | 0.19 |
Description: VLY Valley National Bancorp January 09, 2026
Valley National Bancorp (NASDAQ: VLY) is the holding company for Valley National Bank, a full-service community bank headquartered in Morristown, New Jersey. It delivers a broad suite of financial-services products across three operating segments-Consumer Banking, Commercial Banking, and Treasury & Corporate-including deposit accounts, a full range of loan products (commercial, residential, auto, home-equity, and equipment financing), wealth-management and trust services, insurance brokerage, and digital banking channels such as online, mobile, and remote-deposit capture.
Key performance indicators from the most recent fiscal year show a net interest margin of roughly 3.6 %, an efficiency ratio near 57 % (indicating relatively tight cost control), and a loan-to-deposit ratio of about 78 %, reflecting a balanced growth in both assets and funding. The bank’s loan portfolio grew ~5 % YoY, driven largely by commercial real-estate and small-business lending, while deposits rose ~6 % as higher-yield savings products attracted rate-sensitive customers. As a regional bank, VLY’s earnings are sensitive to Federal Reserve policy; the current higher-for-longer interest-rate environment supports net interest income but also raises credit-risk considerations in its commercial-real-estate exposure.
If you want a deeper, data-driven view of VLY’s valuation dynamics, a quick look at ValueRay’s analyst toolkit can help you surface the most material risk-adjusted metrics.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 598.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 1.03 > 1.0 |
| NWC/Revenue: 123.0% < 20% (prev -1338 %; Δ 1461 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 539.4m > Net Income 598.0m |
| Net Debt (148.8m) to EBITDA (795.6m): 0.19 < 3 |
| Current Ratio: 10.26 > 1.5 & < 3 |
| Outstanding Shares: last quarter (562.2m) vs 12m ago 4.10% < -2% |
| Gross Margin: 53.97% > 18% (prev 0.43%; Δ 5354 % > 0.5%) |
| Asset Turnover: 5.52% > 50% (prev 5.72%; Δ -0.20% > 0%) |
| Interest Coverage Ratio: 0.36 > 6 (EBITDA TTM 795.6m / Interest Expense TTM 1.47b) |
Altman Z'' 0.63
| A: 0.07 (Total Current Assets 4.76b - Total Current Liabilities 463.9m) / Total Assets 64.13b |
| B: 0.03 (Retained Earnings 1.91b / Total Assets 64.13b) |
| C: 0.01 (EBIT TTM 522.2m / Avg Total Assets 63.31b) |
| D: 0.04 (Book Value of Equity 2.04b / Total Liabilities 56.33b) |
| Altman-Z'' Score: 0.63 = B |
Beneish M -3.22
| DSRI: 1.04 (Receivables 243.9m/239.9m, Revenue 3.49b/3.57b) |
| GMI: 0.80 (GM 53.97% / 42.93%) |
| AQI: 0.96 (AQ_t 0.92 / AQ_t-1 0.95) |
| SGI: 0.98 (Revenue 3.49b / 3.57b) |
| TATA: 0.00 (NI 598.0m - CFO 539.4m) / TA 64.13b) |
| Beneish M-Score: -3.22 (Cap -4..+1) = AA |
What is the price of VLY shares?
Over the past week, the price has changed by +6.87%, over one month by +13.78%, over three months by +25.03% and over the past year by +36.69%.
Is VLY a buy, sell or hold?
- StrongBuy: 2
- Buy: 3
- Hold: 7
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the VLY price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 14.7 | 8.4% |
| Analysts Target Price | 14.7 | 8.4% |
| ValueRay Target Price | 15.7 | 16.2% |
VLY Fundamental Data Overview February 01, 2026
P/E Forward = 10.2145
P/S = 3.7676
P/B = 0.9309
P/EG = 3.32
Revenue TTM = 3.49b USD
EBIT TTM = 522.2m USD
EBITDA TTM = 795.6m USD
Long Term Debt = 2.96b USD (from longTermDebt, two quarters ago)
Short Term Debt = 463.9m USD (from shortTermDebt, last quarter)
Debt = 463.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 148.8m USD (from netDebt column, last quarter)
Enterprise Value = 2.89b USD (6.95b + Debt 463.9m - CCE 4.52b)
Interest Coverage Ratio = 0.36 (Ebit TTM 522.2m / Interest Expense TTM 1.47b)
EV/FCF = 5.43x (Enterprise Value 2.89b / FCF TTM 533.5m)
FCF Yield = 18.43% (FCF TTM 533.5m / Enterprise Value 2.89b)
FCF Margin = 15.27% (FCF TTM 533.5m / Revenue TTM 3.49b)
Net Margin = 17.11% (Net Income TTM 598.0m / Revenue TTM 3.49b)
Gross Margin = 53.97% ((Revenue TTM 3.49b - Cost of Revenue TTM 1.61b) / Revenue TTM)
Gross Margin QoQ = 58.41% (prev 55.16%)
Tobins Q-Ratio = 0.05 (Enterprise Value 2.89b / Total Assets 64.13b)
Interest Expense / Debt = 75.64% (Interest Expense 350.9m / Debt 463.9m)
Taxrate = 11.86% (26.3m / 221.7m)
NOPAT = 460.2m (EBIT 522.2m * (1 - 11.86%))
Current Ratio = 10.26 (Total Current Assets 4.76b / Total Current Liabilities 463.9m)
Debt / Equity = 0.06 (Debt 463.9m / totalStockholderEquity, last quarter 7.81b)
Debt / EBITDA = 0.19 (Net Debt 148.8m / EBITDA 795.6m)
Debt / FCF = 0.28 (Net Debt 148.8m / FCF TTM 533.5m)
Total Stockholder Equity = 7.64b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.94% (Net Income 598.0m / Total Assets 64.13b)
RoE = 7.82% (Net Income TTM 598.0m / Total Stockholder Equity 7.64b)
RoCE = 4.92% (EBIT 522.2m / Capital Employed (Equity 7.64b + L.T.Debt 2.96b))
RoIC = 4.50% (NOPAT 460.2m / Invested Capital 10.23b)
WACC = 9.14% (E(6.95b)/V(7.41b) * Re(9.75%) + (debt cost/tax rate unavailable))
Discount Rate = 9.75% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 5.02%
[DCF Debug] Terminal Value 66.54% ; FCFF base≈533.5m ; Y1≈369.3m ; Y5≈187.4m
Fair Price DCF = 5.12 (EV 3.00b - Net Debt 148.8m = Equity 2.85b / Shares 556.6m; r=9.14% [WACC]; 5y FCF grow -36.05% → 2.90% )
[DCF Warning] FCF declining rapidly (-36.05%), DCF may be unreliable
EPS Correlation: -46.09 | EPS CAGR: 2.75% | SUE: 1.41 | # QB: 2
Revenue Correlation: 76.08 | Revenue CAGR: 25.59% | SUE: 2.68 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.28 | Chg30d=-0.007 | Revisions Net=-1 | Analysts=13
EPS current Year (2026-12-31): EPS=1.27 | Chg30d=+0.018 | Revisions Net=+2 | Growth EPS=+27.8% | Growth Revenue=+11.0%
EPS next Year (2027-12-31): EPS=1.49 | Chg30d=+0.062 | Revisions Net=+2 | Growth EPS=+17.8% | Growth Revenue=+9.0%