Valley National Bancorp Common Stock (VLY)

FairStock Score: 62/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a bank first through the lens of price-to-book and return on equity, and Valley National offers something interesting here. At $12.53 on 2026-10-13, the shares change hands at roughly 0.92 times book value and about 10.6 times earnings, with a 3.51% dividend yield. The FairStock figures show return on equity of 8.95% — respectable but not the 12–15% I want in a truly high-quality bank franchise. The recent trajectory, however, is encouraging: in the fiscal quarter ended 2026-06-30, net income was $170.9 million and diluted EPS of $0.29, up from $133.2 million and $0.22 in the quarter ended 2025-06-30. Full-year 2025 net income of $598.0 million and EPS of $1.01 marked a sharp recovery from $380.3 million and $0.69 in 2024, though 2023's $498.5 million and $0.95 shows the earnings line is not monotonic. The Peter Lynch categorization is STALWART, steady growth at about 8.9% a year over five years, and the PEG of 0.38 suggests the market is not paying much for that growth. A Piotroski score of 5 out of 9 is mediocre, and a bank's true health lives in CET1 capital, net interest margin and credit-loss reserves — none of which are in this dataset. I would want those before drawing firm conclusions. The margin of safety is modest, the franchise is regional rather than fortified, and I would treat this as a fair-to-slightly-cheap financial, not a bargain.

In plain English: Valley National Bancorp is a regional bank that takes deposits and makes loans to people and businesses, mainly in the northeastern United States. The business looks steady rather than spectacular: it earns a solid profit, pays a healthy dividend, and its shares trade below what the company's books are worth. The price looks reasonable, even a bit cheap, given the profits and the recent jump in earnings.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer