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Upturn AI SWOT - About
VLY 
Valley National Bancorp (VLY)
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Upturn Advisory Summary
06/30/2025: VLY (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
12 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $10.36
1 Year Target Price $10.36
| 2 | Strong Buy |
| 3 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 8.59% | Avg. Invested days 47 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.02B USD | Price to earnings Ratio 12.94 | 1Y Target Price 10.36 |
Price to earnings Ratio 12.94 | 1Y Target Price 10.36 | ||
Volume (30-day avg) 12 | Beta 1.09 | 52 Weeks Range 6.24 - 10.71 | Updated Date 06/30/2025 |
52 Weeks Range 6.24 - 10.71 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 4.92% | Basic EPS (TTM) 0.69 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.66% | Operating Margin (TTM) 39.37% |
Management Effectiveness
Return on Assets (TTM) 0.64% | Return on Equity (TTM) 5.48% |
Valuation
Trailing PE 12.94 | Forward PE 9.43 | Enterprise Value 7556130304 | Price to Sales(TTM) 3.3 |
Enterprise Value 7556130304 | Price to Sales(TTM) 3.3 | ||
Enterprise Value to Revenue 4.67 | Enterprise Value to EBITDA - | Shares Outstanding 560340992 | Shares Floating 552008944 |
Shares Outstanding 560340992 | Shares Floating 552008944 | ||
Percent Insiders 1.39 | Percent Institutions 85.81 |
Analyst Ratings
Rating 4 | Target Price 10.36 | Buy 3 | Strong Buy 2 |
Buy 3 | Strong Buy 2 | ||
Hold 7 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Valley National Bancorp
Company Overview
History and Background
Valley National Bancorp was founded in 1927 as Passaic Park Trust and Title Guarantee Company. It has grown through organic expansion and strategic acquisitions to become a regional bank operating in New York, New Jersey, Florida, and Alabama.
Core Business Areas
- Commercial Banking: Provides a comprehensive suite of lending, deposit, and cash management services to businesses of all sizes.
- Retail Banking: Offers a variety of consumer banking products, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and families.
Leadership and Structure
The company is led by CEO Ira Robbins. The organizational structure includes various business lines and support functions, reporting to the executive management team and overseen by the Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides lending solutions for businesses, including term loans, lines of credit, and commercial real estate financing. Market share data unavailable. Competitors include regional and national banks.
- Residential Mortgages: Offers mortgage products for homebuyers. Market share data unavailable. Competitors include regional and national banks, as well as mortgage brokers.
- Deposit Accounts: Provides checking, savings, and money market accounts for consumers and businesses. Market share data unavailable. Competitors include regional and national banks, as well as online banking platforms.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased competition from fintech companies, and evolving regulatory requirements.
Positioning
Valley National Bancorp is positioned as a regional bank focused on providing personalized service and building long-term relationships with its customers. Competitive advantages include its strong presence in key markets and its diversified business model.
Total Addressable Market (TAM)
TAM for banking services is substantial and varies based on specific segments. Valley National Bancorp targets key regions in the US, focusing on relationship-based banking to capture a portion of this large TAM.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified business model
- Experienced management team
- Strong credit quality
- Solid capital base
Weaknesses
- Limited national presence
- Relatively smaller size compared to national banks
- Dependence on specific geographic markets
- High expense to asset ratio compared to peer banks
- Underperforming ROA compared to peer banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Strategic acquisitions
- Growth in wealth management business
- Increased rates could improve NIM
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- PNC
- TD
- KEY
Competitive Landscape
Valley National Bancorp faces competition from larger national banks and smaller regional banks. Its competitive advantages include personalized service and a strong presence in key markets. Its disadvantages include limited national presence and smaller size compared to national banks.
Major Acquisitions
USAmeriBank
- Year: 2017
- Acquisition Price (USD millions): 816
- Strategic Rationale: Expanded Valley's presence in Florida.
Bank Leumi USA
- Year: 2022
- Acquisition Price (USD millions): 1147
- Strategic Rationale: Enhanced Valley's commercial banking capabilities and expanded its reach in the New York metropolitan area and nationally.
Growth Trajectory and Initiatives
Historical Growth: Valley National Bancorp has grown through organic expansion and strategic acquisitions.
Future Projections: Future growth projections are dependent on economic conditions, competitive landscape, and successful execution of strategic initiatives. Please consult analyst reports.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion into new markets.
Summary
Valley National Bancorp is a regional bank with a diversified business model. It has a strong presence in key markets and an experienced management team. However, it faces challenges related to rising interest rates and increased competition from fintech companies. Valley needs to focus on improving expense ratios and Return on Assets and leveraging its aquisitions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Valley National Bancorp Investor Relations
- SEC Filings
- Yahoo Finance
- Company's Website
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share estimates are approximate and may vary. Financial data is subject to change.
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 | Chairman & CEO 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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