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Valley National Bancorp (VLYPN) Stock Fundamental Analysis & AI Rating 2026

VLYPN Nasdaq National Commercial Banks NJ CIK: 0000714310
Recently Updated • Analysis: Apr 18, 2026 • SEC Data: 2025-12-31
SELL
68% Conf
Pending
Analysis scheduled

📊 VLYPN Key Takeaways

Revenue: $3.2B
Net Margin: 18.5%
Free Cash Flow: $325.7M
Current Ratio: N/A
Debt/Equity: 0.29x
EPS: $1.01
AI Rating: SELL with 68% confidence
Valley National Bancorp (VLYPN) receives a SELL rating with 68% confidence from our AI fundamental analysis based on SEC 10-K filings. With revenue of $3.2B, net profit margin of 18.5%, and return on equity (ROE) of 7.7%, Valley National Bancorp demonstrates mixed fundamentals in the Finance sector. Below is our complete VLYPN stock analysis for 2026.

Is Valley National Bancorp (VLYPN) a Good Investment?

Claude

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.

Why Buy Valley National Bancorp Stock? VLYPN 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
  • + Positive free cash flow generation of $325.7M with 10.1% FCF margin

VLYPN Stock Risks: Valley National Bancorp Investment Risks

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
  • ! 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

Claude
  • * 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

Revenue
$3.2B
Net Income
$598.0M
EPS (Diluted)
$1.01
Free Cash Flow
$325.7M
Total Assets
$64.1B
Cash Position
$1.6B

💡 AI Analyst Insight

The current ratio below 1.0x warrants monitoring of short-term liquidity.

VLYPN Profit Margin, ROE & Profitability Analysis

Gross Margin N/A
Operating Margin 23.0%
Net Margin 18.5%
ROE 7.7%
ROA 0.9%
FCF Margin 10.1%

VLYPN vs Finance Sector: How Valley National Bancorp Compares

How Valley National Bancorp compares to Finance sector averages

Net Margin
VLYPN 18.5%
vs
Sector Avg 25.0%
VLYPN Sector
ROE
VLYPN 7.7%
vs
Sector Avg 12.0%
VLYPN Sector
Current Ratio
VLYPN 0.0x
vs
Sector Avg 1.2x
VLYPN Sector
Debt/Equity
VLYPN 0.3x
vs
Sector Avg 2.0x
VLYPN Sector

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.

Return on Equity
7.7%
Sector avg: 12%
Net Profit Margin
18.5%
Sector avg: 25%
Revenue Growth
N/A
Year-over-year
Debt/Equity
0.29x
Sector avg: 2x

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

Current Ratio
N/A
Quick Ratio
N/A
Debt/Equity
0.29x
Debt/Assets
87.8%
Interest Coverage
1.71x
Long-term Debt
$2.3B

VLYPN Revenue & Earnings Growth: 5-Year Financial Trend

VLYPN 5-year financial data:
Revenue
Net Income
EPS (right axis)

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

Revenue Growth
N/A
Year-over-year
Net Income Growth
N/A
Year-over-year
EPS Growth
N/A
Earnings per share
FCF Margin
10.1%
Free cash flow / Revenue

Valley National Bancorp Dividends, Buybacks & Capital Allocation

Operating Cash Flow
$343.8M
Cash generated from operations
Stock Buybacks
$63.0M
Shares repurchased (TTM)
Capital Expenditures
$18.1M
Investment in assets
Dividends Paid
$248.9M
Returned to shareholders

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
Apr 3, 2026 DEF 14A d56809ddef14a.htm View →
Apr 2, 2026 4 xslF345X06/wk-form4_1775147419.xml View →
Feb 27, 2026 10-K vly-20251231.htm View →
Feb 25, 2026 4 xslF345X05/wk-form4_1772056245.xml View →
Feb 25, 2026 4 xslF345X05/wk-form4_1772055905.xml View →

Frequently Asked Questions about VLYPN

What is the AI rating for VLYPN?

Valley National Bancorp (VLYPN) has an AI rating of SELL 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 rating reflects both perspectives for balanced insights.

Is VLYPN a good stock to buy right now?

Based on our AI fundamental analysis in April 2026, Valley National Bancorp has a SELL rating with 68% confidence. Review the strengths and risks sections above before making a decision. 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.

Should I buy VLYPN stock in 2026?

Our dual AI analysis gives Valley National Bancorp a combined SELL rating 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).

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Disclaimer: This analysis is generated by Claude AI (Anthropic) and ChatGPT (OpenAI) based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: Apr 18, 2026 | Data as of: 2025-12-31 | Powered by Claude AI