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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
03/27/2025: VLY (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -12.77% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.06B USD | Price to earnings Ratio 13.01 | 1Y Target Price 11.25 |
Price to earnings Ratio 13.01 | 1Y Target Price 11.25 | ||
Volume (30-day avg) 7795637 | Beta 1.14 | 52 Weeks Range 6.17 - 10.84 | Updated Date 03/27/2025 |
52 Weeks Range 6.17 - 10.84 | Updated Date 03/27/2025 | ||
Dividends yield (FY) 4.87% | 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 25.05% | Operating Margin (TTM) 30.75% |
Management Effectiveness
Return on Assets (TTM) 0.62% | Return on Equity (TTM) 5.38% |
Valuation
Trailing PE 13.01 | Forward PE 9.55 | Enterprise Value 7198064640 | Price to Sales(TTM) 3.33 |
Enterprise Value 7198064640 | Price to Sales(TTM) 3.33 | ||
Enterprise Value to Revenue 4.89 | Enterprise Value to EBITDA - | Shares Outstanding 560275968 | Shares Floating 552095758 |
Shares Outstanding 560275968 | Shares Floating 552095758 | ||
Percent Insiders 1.38 | Percent Institutions 82.96 |
Analyst Ratings
Rating 3.55 | Target Price 11.05 | Buy 2 | Strong Buy 2 |
Buy 2 | 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 Company in Passaic, New Jersey. Over the decades, it expanded through organic growth and acquisitions, evolving into a major regional bank in the Northeast.
Core Business Areas
- Commercial Banking: Offers a wide array of lending, deposit, and cash management services to businesses of all sizes.
- Retail Banking: Provides personal banking services including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers financial planning, investment management, and trust services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is hierarchical with regional and functional divisions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for businesses, including term loans, lines of credit, and commercial real estate loans. Market share is regionally focused in the Northeast, competitors include large national banks and other regional banks. Revenue not publicly disclosed.
- Mortgage Loans: Offer mortgage financing for residential properties. Market share is regionally focused in the Northeast. Competitors include large national banks and mortgage companies. Revenue not publicly disclosed.
- Deposit Accounts: Offer a variety of deposit accounts for consumers and businesses, including checking, savings, and money market accounts. Deposit size not publicly disclosed, competitors include large national banks and online banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increased regulatory scrutiny, and competition from fintech companies. There is consolidation happening across the sector.
Positioning
Valley National Bancorp is positioned as a regional bank focusing on relationship banking and community involvement. Its competitive advantages include local market expertise and personalized service.
Total Addressable Market (TAM)
The US Banking market is estimated to be multiple trillions of dollars. Valley National Bancorp is positioned within this TAM by capturing market share in its regional areas.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Northeast
- Diversified revenue streams
- Experienced management team
- Commitment to community involvement
Weaknesses
- Limited geographic reach compared to national banks
- Exposure to regional economic fluctuations
- Higher cost structure relative to online banks
- Dependence on interest rate spreads
Opportunities
- Expansion into new markets through acquisitions or organic growth
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Capitalizing on underserved market segments
Threats
- Increased competition from online banks and fintech companies
- Rising interest rates
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- KEY
- USB
- FCNCA
Competitive Landscape
Valley National Bancorp faces competition from larger national banks, other regional banks, and emerging fintech companies. Its advantages include local market expertise and personalized service, while its disadvantages include limited geographic reach and higher cost structure.
Major Acquisitions
USAmeriBank
- Year: 2017
- Acquisition Price (USD millions): 816
- Strategic Rationale: Expanded Valley's footprint into Florida.
Growth Trajectory and Initiatives
Historical Growth: Growth trends over the past years are not real and is placeholder data.
Future Projections: Future projections are not real and is placeholder data.
Recent Initiatives: Recent strategic initiatives are not real and is placeholder data.
Summary
Valley National Bancorp is a regional bank with a strong presence in the Northeast. Its strengths lie in its diversified revenue streams and community focus, but faces challenges from larger competitors and economic volatility. The company needs to focus on digital transformation and cost efficiencies. Its acquisitions could contribute to future growth if integrated effectively.
Similar Companies
- KEY
- USB
- FCNCA
Sources and Disclaimers
Data Sources:
- Company Financial Reports
- Industry Analysis Reports
- Market Research Data
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Actual results may vary.
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 | ||
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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