Stock fact sheet · data as of
Valley National Bancorp (VLYPP): fair value, margin of safety and Wheel Score
Ticker symbol VLYPP · Financial Services · Banks - Regional · United States · Preferred stock · Value
VLYPP is not Valley National Bancorp's common stock: it is its preferred stock. Preferred shares pay a set dividend and rank ahead of the common stock if the company fails, but usually carry no vote and do not share in the company's growth the same way. The valuation models on this page are built for common stock and say little about a preferred share. The common stock trades as VLY (common stock).
Is VLYPP undervalued?
VLYPP closed at 24.96 on 5 Nov 2026, 19% below the GLS average fair value of 30.83 from 9 models (4 of them above the price). That is a moderate margin of safety: the stock passes the "below fair value" Wheel Trade Filter, with room for a bigger discount on the Value part.
There is a wide gap between DDM (6.47) and Graham Growth (106.99). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, VLYPP is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 65, growth score 18, out of 100).
Nine valuation models for VLYPP
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 16.65 | -33% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 20.71 | -17% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 106.99 | +329% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 44.95 | +80% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 6.72 | -73% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 30.20 | +21% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 19.26 | -23% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 6.47 | -74% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 25.52 | +2% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -259.72 | -1141% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Valley National Bancorp scores 7 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the "Piotroski 6 or more" Wheel Trade Filter with room to spare. On durability VLYPP scores 5.6/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.
Returns on capital are moderate - ROIC 5.3%, ROE 7.7%, ROA 0.9% - with debt at 0.44 times equity and a free-cash-flow yield of 7.0%.
The dividend yield is 3.04% at a payout ratio of 38%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Deposit Account 52%, Investment Advisory, Management and Adm… 49% (quarter Q2 FY2026).
Institutional ownership scores 5/10, insider activity 3/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 7 / 9 | ROIC | 5.3% |
|---|---|---|---|
| GLS Moat | 5.6 / 10 | ROE | 7.7% |
| Debt / equity | 0.44 | ROA | 0.9% |
| Free-cash-flow yield | 7.0% | Payout ratio | 38% |
| Institutions | 5 / 10 | Insiders · Congress | 3 · 5 / 10 |
Wheel Score 30: No options
No options are listed on Valley National Bancorp in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 30, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 2k shares a day on a market cap of $5.4B, with a beta of 1.05; the Stability part of the Wheel Score rates that good.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Passes | Market cap $1 billion or more |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Good | 19% below fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 5.6/10 | |
| Health | Good | Piotroski 7/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Good | beta 1.05, $5.4B company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 28 Jan 2027, 84 days away - outside the window of a 30-45-day put sold today. The next ex-dividend date is 15 Dec 2026 (0.5173 per share).
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Valley National Bancorp by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| AX Axos Financial, Inc. | 94.57 | 242.39 | +61% | 83Good | $5.4B |
| IFS Intercorp Financial Services Inc. | 48.27 | 109.16 | +56% | 38No options | $5.3B |
| EBC Eastern Bankshares, Inc. | 23.31 | 21.99 | -6% | 35Weak | $5.3B |
| OZKAP Bank OZK | 14.53 | 63.66 | +77% | 39No options | $5.4B |
| VLYPO Valley National Bancorp | 24.22 | 30.19 | +20% | 30No options | $5.3B |
| GGAL Grupo Financiero Galicia S.A. | 30.95 | 19.98 | -55% | 37Weak | $5.2B |
| ASB Associated Banc-Corp | 31.35 | 48.31 | +35% | 40Weak | $5.2B |
| FINN First National of Nebraska, Inc. | 19,075.00 | 69,094.50 | +72% | 35No options | $5.2B |
| AUB Atlantic Union Bankshares Corporation | 40.17 | 243.94 | +84% | 52Fair | $5.6B |
| AVAL Grupo Aval Acciones y Valores S.A. | 4.31 | 10.66 | +60% | 35No options | $5.1B |
| ABCB Ameris Bancorp | 84.14 | 76.43 | -10% | 38Weak | $5.6B |
| OZK Bank OZK | 51.79 | 101.90 | +49% | 78Good | $5.7B |
⚖ Compare VLYPP with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about VLYPP
Is VLYPP the same as Valley National Bancorp stock?
No. VLYPP is not Valley National Bancorp's common stock: it is its preferred stock. Preferred shares pay a set dividend and rank ahead of the common stock if the company fails, but usually carry no vote and do not share in the company's growth the same way. The valuation models on this page are built for common stock and say little about a preferred share. The common stock trades as VLY (common stock).
Is VLYPP undervalued right now?
By the GLS models, moderately: at 24.96 the stock trades 19% below the average fair value of 30.83 (data as of 5 Nov 2026).
What is the Wheel Score of VLYPP and what does it mean?
VLYPP has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for VLYPP?
30.83 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Valley National Bancorp report earnings next?
The next earnings report is due on 28 Jan 2027, 84 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does VLYPP have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on VLYPP, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.