Valley National Bancorp (VLY) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

KeyCorp

Valley National Bancorp

Huntington Bancshares, Inc.

Regions Financial Corp.

Credicorp Ltd.

Capital One Financial Corp.

The PNC Financial Services Group, Inc.

Citizens Financial Group, Inc. (Rhode Island)

BOK Financial Corp.

Zions Bancorporation, NA

Comerica, Inc.

Why is Valley National Bancorp ?

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 6.62%

Positive results in Jun 25

NII(Q) Highest at USD 432.41 MM
CASH AND EQV(HY) Highest at USD 949.76 MM
OPERATING PROFIT(Q) Highest at USD 164.25 MM

With ROA of 0.53%, it has a fair valuation with a 0.67 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 5.01%, its profits have fallen by -14.6%

High Institutional Holdings at 78.5%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 3.49% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Valley National Bancorp should be less than 10%
Overall Portfolio exposure to Major Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Valley National Bancorp for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Valley National Bancorp

10.98%

2.05

33.34%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

18.85%

EBIT Growth (5y)

3.87%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

63.50%

Pledged Shares

Institutional Holding

78.50%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.67

EV to EBIT

15.47

EV to EBITDA

12.83

EV to Capital Employed

0.70

EV to Sales

1.74

PEG Ratio

Dividend Yield

ROCE (Latest)

4.50%

ROE (Latest)

5.20%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

OBV

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

15What is working for the Company

NII(Q)

Highest at USD 432.41 MM

CASH AND EQV(HY)

Highest at USD 949.76 MM

OPERATING PROFIT(Q)

Highest at USD 164.25 MM

OPERATING PROFIT MARGIN(Q)

Highest at 20.4 %

PRE-TAX PROFIT(Q)

Highest at USD 174.01 MM

NET PROFIT(Q)

Highest at USD 133.88 MM

EPS(Q)

Highest at USD 0.22

-4What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 376 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 97.37%

Here's what is working for Valley National Bancorp

NII

Highest at USD 432.41 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Operating Profit

Highest at USD 164.25 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 20.4 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 174.01 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 174.01 MM has Grown at 86.45%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 133.88 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD 133.88 MM has Grown at 90.1%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.22

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Cash and Eqv

Highest at USD 949.76 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

CASA

Highest at 11.57%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for Valley National Bancorp

Operating Cash Flow

Lowest at USD 376 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Credit Deposit Ratio

Lowest at 97.37%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)