# Valley National Bancorp (VLY) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $14.27, market value $7.8 billion.

## Valuation
- **P/E (trailing): 11.3×** (5-yr avg 10.5×, 3-yr avg 11.3×). Valley National Bancorp trades at 11.3× trailing earnings, close to its own five-year average of 10.5×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.3×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.20**. A PEG of 0.20 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.0×**. The shares trade at 1.0× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 7.1%** (5-yr avg 13.9%). Free cash flow equals 7.1% of the market value, below its five-year average of 13.9%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.8%**. The inverse of the P/E: 8.8% of the price is earned each year.

## Profitability
- **Return on equity: 7.7%**. 7.7% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): 46.4%** (3-yr -4.0%/yr, 5-yr 1.7%/yr). Earnings per share rose 46.4%.
- **Free-cash-flow growth (3 yr): -37.9%/yr**. Free cash flow has compounded at -37.9% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 3.08%** ($0.44 per share, trailing). Valley National Bancorp yields 3.08%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 42%** (44% of free cash flow). 42% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 11**. 11 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 0.0%/yr** (1-yr 0.0%). The dividend has not grown over five years.

## Analyst view
- **Analyst consensus: buy** (14 analysts). 14 analysts cover Valley National Bancorp; the consensus is buy, with an average price target of $16.89 (+18% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 33.9%** (YTD 24.3%, 3-mo -4.1%). The shares are up 33.9% over twelve months including dividends.
- **From 52-week high: -6.1%** (38.0% above the low). Trading 6% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 65**. An RSI of 65 is neutral.
- **Beta (1 yr): 0.81** (volatility 25%). Beta of 0.81 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=VLY · Page: https://foliofundamentals.com/stocks/vly

Not investment advice.