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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
10/14/2025: VLY (3-star) is a REGULAR-BUY. BUY since 107 days. Simulated Profits (20.02%). 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 $12.73
1 Year Target Price $12.73
| 2 | Strong Buy |
| 3 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 43.19% | Avg. Invested days 66 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.04B USD | Price to earnings Ratio 13.49 | 1Y Target Price 12.73 |
Price to earnings Ratio 13.49 | 1Y Target Price 12.73 | ||
Volume (30-day avg) 12 | Beta 1.13 | 52 Weeks Range 7.31 - 11.16 | Updated Date 10/14/2025 |
52 Weeks Range 7.31 - 11.16 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 4.17% | Basic EPS (TTM) 0.8 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 13.49 | Forward PE 9.15 | Enterprise Value 8590633984 | Price to Sales(TTM) 3.77 |
Enterprise Value 8590633984 | Price to Sales(TTM) 3.77 | ||
Enterprise Value to Revenue 5.09 | Enterprise Value to EBITDA - | Shares Outstanding 559720999 | Shares Floating 551336378 |
Shares Outstanding 559720999 | Shares Floating 551336378 | ||
Percent Insiders 1.41 | Percent Institutions 84.5 |
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, becoming a significant regional bank in the United States.
Core Business Areas
- Commercial Banking: Offers a range of lending, deposit, and cash management services to businesses of various sizes.
- Retail Banking: Provides deposit accounts, loans, and other financial services to individual customers.
- Wealth Management: Offers investment advisory, trust, and estate planning services to high-net-worth individuals and families.
Leadership and Structure
Ira B. Brown is the Chairman of the Board. Thomas Iadanza serves as the President and CEO. The organizational structure includes various departments headed by executive officers, reporting to the CEO and Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including equipment financing, real estate, and working capital. Market share varies by region, but they compete with national and regional players. Competitors: JPMorgan Chase, Bank of America, TD Bank.
- Mortgages: Residential mortgage loans offered to individuals. Competitors: Rocket Mortgage, Wells Fargo, local credit unions.
- Revenue: Market share in the mortgage sector is dependent on geographic location and varies based on interest rates and economic conditions
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors: Chase, Citi, Capital One.
- Number of Users: Valley has an estimated number of users based on their client portfolio with the majority of users located in the NorthEast
Market Dynamics
Industry Overview
The banking industry is currently facing challenges and opportunities related to rising interest rates, technological advancements, and evolving customer expectations. Increased regulatory compliance and economic uncertainty are also significant factors.
Positioning
Valley National Bancorp positions itself as a relationship-focused bank with a strong emphasis on community involvement and personalized service. Its competitive advantage lies in its strong regional presence and experienced management team.
Total Addressable Market (TAM)
The TAM for banking services in the regions Valley operates in is estimated to be in the billions of dollars. Valley National Bancorp captures a percentage of this depending on the region and service offered.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Northeast and Florida
- Experienced management team
- Diverse product and service offerings
- Solid capital base
- Strong customer relationships
Weaknesses
- Reliance on regional economies
- Limited international presence
- Higher expense ratio compared to some peers
- Potential concentration risk in certain loan portfolios
Opportunities
- Expansion into new geographic markets
- Investment in technology to improve efficiency and customer experience
- Strategic acquisitions to increase market share
- Growth in wealth management services
- Increased demand for digital banking solutions
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- USB
- PNC
- KEY
Competitive Landscape
Valley National Bancorp faces intense competition from larger national banks and smaller regional players. Its advantages include its strong regional presence and customer relationships. Disadvantages include its smaller size and limited international presence compared to larger competitors.
Major Acquisitions
Bank Leumi USA
- Year: 2022
- Acquisition Price (USD millions): 1150
- Strategic Rationale: Expanded footprint into new markets and increased commercial lending capabilities.
Growth Trajectory and Initiatives
Historical Growth: Insert historical growth information here.
Future Projections: Insert future projections information here based on analyst estimates
Recent Initiatives: Recent initiatives should be listed here and extracted.
Summary
Valley National Bancorp is a regional bank with a strong presence in the Northeast and Florida. Its solid capital base and experienced management are key strengths. The company faces competition from larger banks and must navigate the challenges of a changing economic landscape. Strategic initiatives focusing on technology and expansion will be crucial for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Press Releases
- Third-party Financial Data Providers
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly. Consult with a qualified financial advisor before making any investment decisions.
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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