Valley National Bancorp

Finance
Major Banks
www.valley.com

Earnings Score
Safety Score

Market Cap $5.18B
PE 16
Debt $58.27M
Cash $1.04B
EV $4.19B
FCF -$136.44M

Earnings

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Sales & Net Margins

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Earnings	$317.67M
EBIT	$438.42M
ROE	5%
ROA	1%
FCF	-$136.44M
Equity	$6.97B
Growth Stability	100%
PE	16.29
PEG	1.72
PB	0.74
P/FCF	-37.93
Price/Cash	0.2
Debt/Equity	0.01
Debt/FCF	-0.43
Earnings CAGR	20%
FCF CAGR	13%
Equity CAGR	16%
Earnings Stability	0.8
Earnings Growth YoY	-33%
Earnings Growth QoQ	38%

Earnings CAGR 5Y	9%
FCF CAGR 5Y	-9%
Equity CAGR 5Y	12%
FCF CAGR 3Y	-32%
Equity CAGR 3Y	10%
Market Cap	$5.18B
Dividend Yield	4%
Payout Ratio	71%
Assets	$62.09B
Total Debt	$58.27M
Cash	$1.04B
Shares Outstanding	508.9M
EV	4.19B
Earnings Score	93%
Safety Score	65%
Shares Growth 3y	8%
Equity Growth QoQ	3%
Equity Growth YoY	5%

Assets & ROA

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Stockholders Equity & ROE

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Valley National Bank is a regional financial institution with approximately $50 billion in assets and more than 200 branches located throughout New Jersey Manhattan Brooklyn Queens Long Island Florida and Alabama. Valley was founded in 1927 on the simple principle of creating better banking opportunities for our customers and helping communities grow and prosper. For over 95 years more than 4000 of our professional banking associates have embraced this spirit by providing a full range of commercial and retail banking services home mortgage and commercial lending wealth insurance and estate planning solutions to help our customers and communities achieve financial success. We believe that better banking begins with a conversation. Thats why we work hard every day to provide personalized financial solutions that help our clients address their toughest challenges and embrace their greatest opportunities.

SEC Filings

Direct access to Valley National Bancorp (VLY) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Valley National Bancorp compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Valley National Bancorp compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 20%

Stability 80%

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Valley National Bancorp Discounted Cash Flow

Fully customizable DCF calculator online for Valley National Bancorp.

Years

Calculation mode

= -$3.4B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	-$136M	-$154M	-$175M	-$197M	-$223M	-$253M	-$286M	-$323M	-$366M	-$414M	-$468M	-$4.7B
DCF		-$140M	-$144M	-$148M	-$153M	-$157M	-$161M	-$166M	-$171M	-$175M	-$180M	-$1.8B
Value	-$3.4B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	-	-	-	-	-	-	-	-	-	-
ROA	-	2%	2%	2%	2%	2%	1%	1%	1%	1%
ROE	-	7%	6%	7%	7%	8%	9%	9%	7%	5%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	6.31	5.1	6.65	0.76	9.04	0.82	0.1	3.04	-0.43
Debt over Equity	1.31	1.06	1.21	1.13	0.25	0.25	0.13	0.02	0.14	0.01
Growth Stability	-	-	-	100%	100%	100%	100%	100%	100%	100%

Good Debt/FCF ratio (-0.43)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Good Debt/Equity ratio (0.01)

The company is not overleveraged and has a good balance between equity and debt.

Good Graham’s Stability (100%)

The company has a good stability in its earnings, which is a sign of a good competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-	-	-	-	-	-	-	-	-
Earnings YoY growth	-	62%	-5%	63%	19%	27%	22%	21%	-13%	9%
Equity YoY growth	-	8%	7%	32%	31%	5%	11%	26%	5%	12%
FCF YoY growth	-	230%	51%	-6%	154%	-91%	529%	70%	-78%	-9%