Stock Price & Analysis

Based on the latest market data and analyst insights, here's a concise analysis of VLY stock:

Current Market Position

• Latest close: $9.535 (Feb 21, 2025)
• Daily performance: -3.10%
• Trading volume: 8.11M shares

Recent Developments

• Q4 2024 earnings showed mixed results with Non-GAAP EPS of $0.13 (missing by $0.01) while revenue grew 5.4% YoY to $474.18M (beating by $6.21M)
• The stock received a notable upgrade to Overweight from J.P. Morgan recently

Analyst Consensus Recent analyst actions show mixed sentiment:

• Price targets range from $9.00 to $11.00
• Average price target: $10.22 (7.2% upside from current price)
• Rating distribution: 2 Bullish, 6 Neutral, 1 Bearish

Technical Analysis

• Current price ($9.535) is trading below most analyst price targets
• Recent price action shows increased volatility
• Support level around $9.50
• Resistance level near $10.00

Recommendation SELL - While the bank has shown some positive developments in NIM expansion, the current technical setup and market conditions suggest caution. The stock's recent decline and mixed analyst sentiment indicate potential near-term weakness. Additionally, ongoing concerns about New York area commercial real estate exposure present significant risks.

Based on the available data and market analysis, here's a price prediction for Valley National Bancorp (VLY) in 2025:

Current Market Position

• Latest trading price: $9.54 [Relevant Data]
• Recent market performance shows a decline of -3.10% in the regular trading session on February 21, 2025

Key Fundamental Factors

• Q4 2024 earnings showed mixed results with EPS of $0.13 (missing by $0.01) but revenue beat expectations at $474.18M
• Net Interest Margin (NIM) expansion and promising outlook for 2025 have been highlighted by analysts

Technical Analysis

• Current RSI (14) at 40.31 indicates neutral momentum
• MACD shows bearish divergence with MACD at 0.03 and signal line at 0.11
• Stock is trading near its 20-day moving average of $10.12, suggesting a consolidation phase

Price Target 2025 Based on the technical and fundamental analysis:

• Base Case: $11.67 (median analyst target price)
• This represents an upside of approximately 18.56% from current levels
• Support levels: $9.41, $9.06 (Fibonacci)
• Resistance levels: $10.54, $10.88 (Fibonacci)

The stock is likely to trade in the range of $11.00-$12.00 by end of 2025, supported by:

1. Expected improvement in banking sector performance
2. NIM expansion potential
3. Strong fundamental metrics with PE ratio of 9.93 and dividend yield of 3.89%

The S1 support level for VLY Stock is $9.63 ,The R1 resistant level for VLY Stock is $10.32.

As of the end of day on 2025-02-21, the price of VLY Stock was $9.54.

The target price for VLY Stock according to analyst rating is 11.50, with the highest price target at 13.00 and the lowest at 11.00. Analysts have a Moderate Buy rating on VLY Stock overall.

The market cap of VLY is $5.3B.

Based on the provided data and recent market activity, here's a comprehensive analysis of VLY's valuation:

Technical Analysis

The stock is showing bearish signals with RSI-14 at 40.31 indicating neutral to slightly oversold conditions. The MACD line (0.03) has crossed below its signal line (0.11) with a negative histogram (-0.08), suggesting downward momentum. The stock is trading near the lower Bollinger Band (BBL: 9.47), with a very low BBP of 0.05, indicating potential oversold conditions.

Fundamental Valuation

Current key metrics show:

• P/E: 11.46x (2023)
• P/B: 0.85x (2023)
• Dividend Yield: 4.05%

Financial Health

Recent financial performance shows:

• Revenue growth from $1.82B (2022) to $1.83B (2023)
• Net income declined from $556M (2022) to $482M (2023)
• ROE decreased from 10.04% to 7.61%
• Debt-to-Equity ratio increased from 27.16% to 49.29%

Recent Developments According to recent analysis, there are concerns about credit losses in New York area commercial real estate. However, Q4 2024 earnings were encouraging, leading to a 4% gain. The bank has taken actions to strengthen its capital position.

Conclusion At current levels, VLY appears fairly valued considering:

1. Trading below book value (P/B 0.85x)
2. Attractive dividend yield of 4.05%
3. However, declining profitability metrics and increasing debt levels raise concerns
4. Technical indicators suggest potential short-term oversold conditions

The stock is currently not overvalued, but rising debt levels and declining profitability metrics suggest caution. The attractive dividend yield provides some downside protection.

Valley National Bancorp is a bank holding and financial holding company. The Company's principal subsidiary is Valley National Bank. The Company's segments include Consumer Banking, Commercial Banking and Treasury and Corporate Other. The Consumer Banking segment is mainly comprised of residential mortgages and automobile loans, and to a lesser extent, secured personal lines of credit, home equity loans and other consumer loans. The Consumer Banking segment also includes the wealth management and insurance services division, comprised of trust, asset management, brokerage, insurance and tax credit advisory services. The Commercial Banking segment is comprised of floating rate and adjustable rate commercial and industrial loans and construction loans, as well as fixed rate owner occupied and commercial real estate loans. It also offers financial services, including loan and deposit products for homeowners associations, cannabis-related business banking and venture banking.

Based on the available data and market analysis, here is the price prediction for VLY stock by 2030:

Valley National Bancorp (VLY) stock is projected to reach $11.70 by March 2025, representing a 16.63% increase from current levels. The stock is expected to continue its upward trajectory through 2030 driven by three key factors:

1. Net interest margin (NIM) expansion and improving operational efficiency

2. Strong regional banking sector performance with the main ETF generating over 22% returns in the past year

3. Positive market sentiment and economic growth projections through 2025-2030

The stock is currently trading at $9.54, which appears to be undervalued by 18.53% according to technical indicators. Based on current growth trajectory and sector outlook, VLY stock could reach $15-17 range by 2030, representing approximately 60-80% upside from current levels.

VLY has a total of 3749 employees.