Valley National Bancorp (VLY) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Valley National Bancorp stock $12.00, price $14.08, that is 14.8% below the price, quality 51 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Valley National Bancorp
VLY · USOur calculation puts a fair price 15% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $5.61 – $15.07 · fair‑value band $9.90 – $13.24 · the $14.08 price screens above the $12.00 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Company profile
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.
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The company operates through Consumer Banking, Commercial Banking, and Treasury and Corporate other segments.
It 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.
The company also invests in various securities and interest-bearing deposits with other banks; and provides international banking services.
In addition, it offers investment services for individuals and small to medium sized businesses; and trusts investment strategies designed for various investment profiles and objectives.
Further, the company 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, it offers niche financial services, including loan and deposit products for homeowners associations, cannabis-related business banking, and venture banking; online, mobile, and telephone banking services; credit cards; and automated teller machine services.
Valley National Bancorp was founded in 1927 and is headquartered in Morristown, New Jersey.
Stock analysis
Valley National Bancorp (VLY) currently trades at $14.08, while our model-based Fair Value estimate is $12.00, 15% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $13.20 per share, and 0 of the 6 models we run sit above the $14.08 price.
Bear case: the Asset-Based group reads lowest at $7.10, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $9.90 (bear) to $13.24 (bull), the price of $14.08 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 51/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Valley National Bancorp reported revenue of $3.5B in FY2025 versus $1.5B in FY2021, a compound +23.7%/yr. Reported net income was $598M in FY2025, compounding +6.0%/yr from FY2021.
Key figures
Market cap $7.9B Mid · P/E ratio 11.2 · P/S ratio 3.82 · EPS (TTM) $1.26 · Dividend yield 3.1% · Net margin 35.8% · Return on equity 9.5% · Return on assets (EBIT) 1.2% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and 40% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −15%, VLY screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director sold shares worth $372,992 and none bought.
- SaleMitchell L CrandellEVP & Chief Accounting Officer25,495 shares at $14.63$372,992Jun 12, 2026
- SaleRussell BarrettSEVP, Chief Operating Officer90,537 shares at $13.54$1.2MApr 27, 2026
- BuyCarlos J VazquezDirector2,500 shares at $13.45$33,625Feb 17, 2026
Plus 15 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
VLY screens overvalued: fair value 15% below the price. Compare with China Merchants Bank Co →
Earlier news
- Valley National (VLY) Upgraded to Buy: What Does It Mean for the Stock?
- Valley National (VLY) Stock May Look Reasonable On Strong Q3 Results
- Earnings Beat Might Change The Case For Investing In Valley National Bancorp (VLY)
- Valley National Bancorp (VLY) Beats On AI Fueled Efficiency, Is The Stock Still Undervalued?
Compare Valley National Bancorp with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- EV/EBITDA by industry
- Dividend yield by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs VLY |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs VLY |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs VLY |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs VLY |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs VLY |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs VLY |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs VLY |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs VLY |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs VLY |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs VLY |
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Key figures of Valley National Bancorp
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