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Upturn AI SWOT - About
VLY 
Valley National Bancorp (VLY)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/14/2025: VLY (3-star) is a STRONG-BUY. BUY since 65 days. Profits (10.67%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
12 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $10.75
1 Year Target Price $10.75
| 2 | Strong Buy |
| 3 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 22.33% | Avg. Invested days 53 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.50B USD | Price to earnings Ratio 12.59 | 1Y Target Price 10.75 |
Price to earnings Ratio 12.59 | 1Y Target Price 10.75 | ||
Volume (30-day avg) 12 | Beta 1.11 | 52 Weeks Range 7.39 - 10.71 | Updated Date 08/15/2025 |
52 Weeks Range 7.39 - 10.71 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 4.37% | Basic EPS (TTM) 0.78 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-23 | When Before Market | Estimate 0.2206 | Actual 0.23 |
Profitability
Profit Margin 28.24% | Operating Margin (TTM) 43.39% |
Management Effectiveness
Return on Assets (TTM) 0.73% | Return on Equity (TTM) 6.33% |
Valuation
Trailing PE 12.59 | Forward PE 10.59 | Enterprise Value 8316370432 | Price to Sales(TTM) 3.43 |
Enterprise Value 8316370432 | Price to Sales(TTM) 3.43 | ||
Enterprise Value to Revenue 4.94 | Enterprise Value to EBITDA - | Shares Outstanding 559721024 | Shares Floating 551319587 |
Shares Outstanding 559721024 | Shares Floating 551319587 | ||
Percent Insiders 1.4 | Percent Institutions 84.76 |
Upturn AI SWOT
Valley National Bancorp
Company Overview
History and Background
Valley National Bancorp was founded in 1927 as Passaic Park Trust Company. It has grown through numerous acquisitions and organic expansion to become a regional bank with a significant presence in New Jersey, New York, Florida, and Alabama.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, including commercial real estate loans, term loans, and lines of credit, to businesses of various sizes.
- Retail Banking: Provides deposit accounts, mortgages, home equity loans, and other consumer financial services to individuals and families.
- Wealth Management: Offers investment advisory services, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
Ira Robbins serves as the President and CEO. The organizational structure includes various divisions overseeing commercial lending, retail banking, wealth management, and operations, all reporting to the CEO.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, targeting small to medium-sized businesses. Market share information is not readily available at a granular product level, but Valley's CRE loan portfolio is a significant portion of its assets. Competitors include regional and national banks like PNC, TD Bank, and Bank of America.
- Small Business Loans (SBA): Government-guaranteed loans to small businesses. Market share data varies by region; Valley is a significant SBA lender in its operating areas. Competitors include other SBA lenders such as Live Oak Bank and Celtic Bank.
- Deposit Accounts: Checking, savings, and money market accounts for consumers and businesses. Market share is regional. Competitors include Chase, Bank of America, and regional banks.
Market Dynamics
Industry Overview
The banking industry is currently navigating rising interest rates, increased competition from fintech companies, and evolving regulatory landscape.
Positioning
Valley National Bancorp positions itself as a relationship-focused regional bank providing personalized service to its customers. Its competitive advantage lies in its local market knowledge and responsiveness.
Total Addressable Market (TAM)
The TAM for regional banking services in the Northeast, Florida, and Alabama is estimated to be in the hundreds of billions of dollars. Valley National Bancorp captures a small portion of this TAM with opportunities to expand its market share through strategic acquisitions and organic growth.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Diversified loan portfolio
- Solid deposit base
Weaknesses
- Limited national presence
- Higher expense ratio compared to larger banks
- Susceptible to regional economic downturns
- Reliance on traditional banking model
Opportunities
- Strategic acquisitions
- Expansion into new markets
- Increased digital banking adoption
- Growth in wealth management business
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic recession
Competitors and Market Share
Key Competitors
- PNC (PNC)
- TD Bank (TD)
- Bank of America (BAC)
Competitive Landscape
Valley National Bancorp competes with larger national banks and other regional banks. Its advantage lies in its local market knowledge and relationship-based banking model. However, it faces challenges in competing with larger banks' resources and technology investments.
Major Acquisitions
USAmeriBank
- Year: 2017
- Acquisition Price (USD millions): 950
- Strategic Rationale: Expanded Valley National Bancorp's presence in the Florida market.
Growth Trajectory and Initiatives
Historical Growth: Valley National Bancorp has grown through acquisitions and organic expansion, particularly in the New York metropolitan area and Florida.
Future Projections: Analyst estimates for future growth vary based on market conditions and the company's strategic initiatives.
Recent Initiatives: Recent initiatives include expansion into new markets like Alabama, investment in technology, and focus on improving customer experience.
Summary
Valley National Bancorp is a regional bank with a strong presence in the Northeast and Florida. Its solid deposit base and diversified loan portfolio provide stability, but it faces challenges from larger competitors and evolving market conditions. Strategic acquisitions and investments in technology are key to its future growth. The Bank needs to watch out for rising interest rates and increased competition.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations
- Industry Reports
- Financial News Outlets
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Investment decisions should be made after consulting with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Valley National Bancorp
Exchange NASDAQ | Headquaters Morristown, NJ, United States | ||
IPO Launch date 1990-03-23 | President, CEO & Chairman Mr. Ira D. Robbins CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3732 | Website https://www.valley.com |
Full time employees 3732 | Website https://www.valley.com | ||
Valley National Bancorp operates as the holding company for Valley National Bank that provides various commercial, private banking, retail, insurance, and wealth management financial services products. It operates through Consumer Banking, Commercial Banking, and Treasury and Corporate other segments. The company offers non-interest bearing, savings, NOW, money market, and time deposit accounts; commercial and industrial, commercial real estate, construction, residential mortgage, and automobile loans; loans secured by the cash surrender value of life insurance; home equity loans and lines of credit; automobile financing; and secured and unsecured other consumer loans. It also invests in various securities and interest-bearing deposits with other banks; and provides international banking services, such as standby and documentary letters of credit, and related products, as well as foreign exchange transactions, documentary collections, and foreign wire transfers services. In addition, the company offers investment services for individuals and small to medium sized businesses; and trusts investment strategies designed for various investment profiles and objectives. Further, it provides trust services, such as living and testamentary trusts, investment management, custodial and escrow services, and estate administration to individuals; tax credit advisory services; brokerage services; property and casualty, life, health, and title insurance agency services; and health care equipment lending and other commercial equipment leasing services, as well as private banking and management services. Additionally, the company offers online, mobile, and telephone banking services; credit cards; and drive-in and night deposit, automated teller machine, remote deposit capture, and safe deposit facility services. Valley National Bancorp was founded in 1927 and is headquartered in Morristown, New Jersey.
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