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Valley National Bancorp VLYPO

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Price alert · VLYPO

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24.15 USD -0.05 (-0.21%)

Regular-session close

24.25 +0.10 +0.41%

After hours · Nov 13, 4:00 PM ET

24.12 Day range 24.24
23.96 52-week range 25.45
YTD
-5.03%
1 year
-3.32%

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Discounted cash flow estimates against the price, and the P/E against its industry and sector.

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Included in Essentials and up

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Employees by annual report and the cash the business earns for its owners.

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Financial health

Altman Z-Score

0.28 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

9 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 4
  • P/E 2
  • P/B 2

Valuation

P/E 11.5×
FY 2016: 18.5×FY 2017: 19.3×FY 2018: 11.8×FY 2019: 13.0×FY 2020: 10.4×FY 2021: 12.2×FY 2022: 9.9×FY 2023: 11.4×FY 2024: 12.9×FY 2025: 11.5×
FY 2016 5y median 11.5× FY 2025
P/S 1.9×
FY 2016: 3.4×FY 2017: 3.1×FY 2018: 2.3×FY 2019: 2.5×FY 2020: 2.5×FY 2021: 3.8×FY 2022: 2.5×FY 2023: 1.6×FY 2024: 1.3×FY 2025: 1.9×
FY 2016 5y median 1.9× FY 2025
P/B 0.8×
FY 2016: 1.2×FY 2017: 1.2×FY 2018: 0.9×FY 2019: 0.9×FY 2020: 0.9×FY 2021: 1.1×FY 2022: 0.9×FY 2023: 0.8×FY 2024: 0.6×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
P/FCF 19.0×
FY 2016: 7.1×FY 2017: 4.8×FY 2018: 9.7×FY 2019: 14.8×FY 2020: 24.1×FY 2021: 6.7×FY 2022: 3.8×FY 2023: 14.6×FY 2024: 8.5×FY 2025: 19.0×
FY 2016 5y median 8.5× FY 2025
EV/EBITDA 10.3×
FY 2016: 19.1×FY 2017: 19.7×FY 2018: 16.9×FY 2019: 13.3×FY 2020: 10.4×FY 2021: 8.6×FY 2022: 7.7×FY 2023: 10.9×FY 2024: 12.5×FY 2025: 10.3×
FY 2016 5y median 10.3× FY 2025
EV/Sales 2.4×
FY 2016: 5.9×FY 2017: 6.0×FY 2018: 4.9×FY 2019: 4.6×FY 2020: 4.1×FY 2021: 4.0×FY 2022: 3.0×FY 2023: 2.5×FY 2024: 1.8×FY 2025: 2.4×
FY 2016 5y median 2.5× FY 2025
FCF Yield 5.3%
FY 2016: 14.1%FY 2017: 20.9%FY 2018: 10.3%FY 2019: 6.8%FY 2020: 4.2%FY 2021: 14.9%FY 2022: 26.0%FY 2023: 6.9%FY 2024: 11.7%FY 2025: 5.3%
FY 2016 5y median 11.7% FY 2025

Profitability

Gross Margin 53.9%
FY 2016: 81.5%FY 2017: 80.5%FY 2018: 74.1%FY 2019: 70.9%FY 2020: 75.1%FY 2021: 89.4%FY 2022: 82.7%FY 2023: 54.7%FY 2024: 42.9%FY 2025: 53.9%
FY 2016 5y median 54.7% FY 2025
Operating Margin 21.3%
FY 2016: 26.8%FY 2017: 26.7%FY 2018: 25.5%FY 2019: 29.7%FY 2020: 33.8%FY 2021: 43.0%FY 2022: 35.8%FY 2023: 20.2%FY 2024: 12.3%FY 2025: 21.3%
FY 2016 5y median 21.3% FY 2025
Net Margin 17.1%
FY 2016: 19.3%FY 2017: 17.1%FY 2018: 20.2%FY 2019: 20.2%FY 2020: 24.9%FY 2021: 31.8%FY 2022: 26.1%FY 2023: 14.9%FY 2024: 10.6%FY 2025: 17.1%
FY 2016 5y median 17.1% FY 2025
ROE 7.7%
FY 2016: 7.1%FY 2017: 6.4%FY 2018: 7.8%FY 2019: 7.1%FY 2020: 8.5%FY 2021: 9.3%FY 2022: 8.9%FY 2023: 7.4%FY 2024: 5.1%FY 2025: 7.7%
FY 2016 5y median 7.7% FY 2025
ROIC 5.0%
FY 2016: 3.4%FY 2017: 2.9%FY 2018: 3.6%FY 2019: 3.9%FY 2020: 4.7%FY 2021: 6.3%FY 2022: 6.7%FY 2023: 4.8%FY 2024: 3.1%FY 2025: 5.0%
FY 2016 5y median 5.0% FY 2025
ROA 0.9%
FY 2016: 0.7%FY 2017: 0.7%FY 2018: 0.8%FY 2019: 0.8%FY 2020: 1.0%FY 2021: 1.1%FY 2022: 1.0%FY 2023: 0.8%FY 2024: 0.6%FY 2025: 0.9%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue -2.2%
FY 2016: 10.0%FY 2017: 8.7%FY 2018: 36.7%FY 2019: 18.7%FY 2020: 2.0%FY 2021: -4.9%FY 2022: 46.6%FY 2023: 53.6%FY 2024: 6.5%FY 2025: -2.2%
FY 2016 FY 2025
Operating Income 69.6%
FY 2016: 83.9%FY 2017: 8.3%FY 2018: 30.4%FY 2019: 38.6%FY 2020: 16.0%FY 2021: 20.9%FY 2022: 21.8%FY 2023: -13.1%FY 2024: -35.4%FY 2025: 69.6%
FY 2016 FY 2025
EPS (diluted) 46.4%
FY 2016: 50.0%FY 2017: -7.9%FY 2018: 29.3%FY 2019: 16.0%FY 2020: 6.9%FY 2021: 20.4%FY 2022: 1.8%FY 2023: -16.7%FY 2024: -27.4%FY 2025: 46.4%
FY 2016 FY 2025
Free Cash Flow -37.3%
FY 2016: 170.6%FY 2017: 47.7%FY 2018: -50.9%FY 2019: -13.8%FY 2020: -37.6%FY 2021: 411.8%FY 2022: 70.6%FY 2023: -73.5%FY 2024: 45.0%FY 2025: -37.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 0.0×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 0.4×
FY 2016: 1.1×FY 2017: 1.2×FY 2018: 1.1×FY 2019: 0.8×FY 2020: 0.8×FY 2021: 0.5×FY 2022: 0.3×FY 2023: 0.6×FY 2024: 0.5×FY 2025: 0.4×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA 2.3×
FY 2016: 8.0×FY 2017: 9.4×FY 2018: 9.1×FY 2019: 6.0×FY 2020: 4.0×FY 2021: 0.5×FY 2022: 1.3×FY 2023: 3.7×FY 2024: 3.5×FY 2025: 2.3×
FY 2016 5y median 2.3× FY 2025
Interest Coverage 0.5×
FY 2016: 1.6×FY 2017: 1.5×FY 2018: 1.1×FY 2019: 1.1×FY 2020: 2.0×FY 2021: 5.2×FY 2022: 2.4×FY 2023: 0.5×FY 2024: 0.3×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025

Dividends

Dividend Yield 4.3%
FY 2016: 4.0%FY 2017: 4.1%FY 2018: 5.3%FY 2019: 4.1%FY 2020: 4.8%FY 2021: 3.4%FY 2022: 4.0%FY 2023: 4.3%FY 2024: 5.3%FY 2025: 4.3%
FY 2016 5y median 4.3% FY 2025
Payout Ratio 46.5%
FY 2016: 70.8%FY 2017: 75.4%FY 2018: 59.2%FY 2019: 51.4%FY 2020: 48.8%FY 2021: 40.6%FY 2022: 38.5%FY 2023: 48.1%FY 2024: 65.6%FY 2025: 46.5%
FY 2016 5y median 46.5% FY 2025

Annual · latest fiscal year ends 2025-12-31