📊 VLYPN Key Takeaways
Is Valley National Bancorp (VLYPN) a Good Investment?
Valley National Bancorp exhibits severe profitability concerns despite strong 83.3% revenue growth, with net income advancing only 5.1% YoY indicating substantial margin compression. The critically low 1.7x interest coverage ratio and sub-par ROE of 7.7% and ROA of 0.9% suggest fundamental challenges in capital efficiency and vulnerability to interest rate or credit quality deterioration.
Valley National Bancorp Key Strengths (VLYPN)
- Strong revenue growth of 83.3% YoY indicating market expansion or successful acquisition integration
- Conservative leverage with Debt/Equity of 0.29x and solid balance sheet structure
- Positive free cash flow generation of $325.7M with 10.1% FCF margin
VLYPN Stock Risks: Valley National Bancorp Investment Risks
- Critically low interest coverage ratio of 1.7x creates vulnerability to rate volatility and is a major red flag for bank stability
- Severe disconnect between revenue growth (+83.3%) and net income growth (+5.1%) signals dangerous margin compression or rising loan loss provisions
- ROE of 7.7% and ROA of 0.9% are significantly below banking industry standards, indicating poor capital efficiency and operational challenges
Key Metrics to Watch
- Interest coverage ratio - must improve above 2.5x for health
- Net profit margin trend - critical to understand if compression is permanent or temporary
- Net interest margin and loan loss provision trends - to identify root cause of profitability squeeze
Valley National Bancorp (VLYPN) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
VLYPN Profit Margin, ROE & Profitability Analysis
VLYPN vs Finance Sector: How Valley National Bancorp Compares
How Valley National Bancorp compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Valley National Bancorp Stock Overvalued? VLYPN Valuation Analysis 2026
Based on fundamental analysis, Valley National Bancorp has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Valley National Bancorp Balance Sheet: VLYPN Debt, Cash & Liquidity
VLYPN Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Valley National Bancorp's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $0.95 reflects profitable operations.
VLYPN Revenue Growth, EPS Growth & YoY Performance
Valley National Bancorp Dividends, Buybacks & Capital Allocation
VLYPN SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Valley National Bancorp (CIK: 0000714310)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| May 19, 2026 | 4 | xslF345X06/wk-form4_1779199257.xml | View → |
| May 19, 2026 | 4 | xslF345X06/wk-form4_1779199170.xml | View → |
| May 19, 2026 | 4 | xslF345X06/wk-form4_1779198937.xml | View → |
| May 19, 2026 | 4 | xslF345X06/wk-form4_1779198600.xml | View → |
| May 19, 2026 | 4 | xslF345X06/wk-form4_1779198380.xml | View → |
❓ Frequently Asked Questions about VLYPN
What is the AI rating for VLYPN?
Valley National Bancorp (VLYPN) has an AI grade of C with 68% confidence, based on fundamental analysis of SEC EDGAR filings.
What are VLYPN's key strengths?
Claude: Strong revenue growth of 83.3% YoY indicating market expansion or successful acquisition integration. Conservative leverage with Debt/Equity of 0.29x and solid balance sheet structure.
What are the risks of investing in VLYPN?
Claude: Critically low interest coverage ratio of 1.7x creates vulnerability to rate volatility and is a major red flag for bank stability. Severe disconnect between revenue growth (+83.3%) and net income growth (+5.1%) signals dangerous margin compression or rising loan loss provisions.
What is VLYPN's revenue and growth?
Valley National Bancorp reported revenue of $3.2B.
Does VLYPN pay dividends?
Valley National Bancorp pays dividends, with $248.9M distributed to shareholders in the trailing twelve months.
Where can I find VLYPN SEC filings?
Official SEC filings for Valley National Bancorp (CIK: 0000714310) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is VLYPN's EPS?
Valley National Bancorp has a diluted EPS of $1.01.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is VLYPN's fundamental grade?
Based on our AI fundamental analysis in June 2026, Valley National Bancorp has a C grade with 68% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is VLYPN stock overvalued or undervalued?
Valuation metrics for VLYPN: ROE of 7.7% (sector avg: 12%), net margin of 18.5% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is VLYPN's AI grade for 2026?
Our dual AI analysis gives Valley National Bancorp a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is VLYPN's free cash flow?
Valley National Bancorp's operating cash flow is $343.8M, with capital expenditures of $18.1M. FCF margin is 10.1%.
How does VLYPN compare to other Finance stocks?
Vs Finance sector averages: Net margin 18.5% (avg: 25%), ROE 7.7% (avg: 12%), current ratio N/A (avg: 1.2).