Valley National Bancorp - 5.5% (VLYPO) Stock Analysis
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $25.05, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial real estate loans (58.3%); Concentration risk — Geographic: New Jersey, New York, and Florida.
Valley National Bancorp is a New Jersey-headquartered bank holding company with $64.1B in assets, 230 branches in NJ, NY, FL, AL, CA, and IL, offering commercial banking, consumer banking, wealth management, and insurance. Total net loans were $49.6B at December 31, 2025, with... Read more
Hold if already holding. Not a fresh buy at $25.05, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial real estate loans (58.3%); Concentration risk — Geographic: New Jersey, New York, and Florida. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 6.1/10, moderate confidence.
Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity no date, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum. Suitability: moderate.
Thesis
Key Metrics
Quality Signals
Concentration Risks(10-K Item 1A)
- HIGHloan_portfoliocommercial real estate loans58%10-K Item 1A: 'total commercial real estate loans, including construction loans, represented 58.3 percent of our loan portfolio'
- HIGHGeographicNew Jersey, New York, and Florida10-K Item 1A: 'The majority of Valley's lending is in northern and central New Jersey, the New York City metropolitan area and Florida. As a result of this geographic concentration, a significant broad-based deterioration in economic conditions in these areas could have a material adverse impact'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
1 floor-breaker·2 ceiling hits
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $25.05, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial real estate loans (58.3%); Concentration risk — Geographic: New Jersey, New York, and Florida. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $28.86 (+15.2%), stop $24.94 (−0.4%), A.R:R 0.0:1. Score 6.1/10, moderate confidence.
Take-profit target: $28.86 (+15.0% upside). Target $28.86 (+15.2%), stop $24.94 (−0.4%), A.R:R 0.0:1. Stop-loss: $24.94.
Concentration risk — Loan Portfolio: commercial real estate loans (58.3%); Concentration risk — Geographic: New Jersey, New York, and Florida; Near 52-week high (2.5% away).
Valley National Bancorp - 5.5% trades at a P/E of 22.5 (forward N/A). TrendMatrix value score: 8.3/10. Verdict: Hold.
19 analysts cover VLYPO with a consensus score of 4.1/5.
What does Valley National Bancorp - 5.5% do?Valley National Bancorp is a New Jersey-headquartered bank holding company with $64.1B in assets, 230 branches in NJ,...
Valley National Bancorp is a New Jersey-headquartered bank holding company with $64.1B in assets, 230 branches in NJ, NY, FL, AL, CA, and IL, offering commercial banking, consumer banking, wealth management, and insurance. Total net loans were $49.6B at December 31, 2025, with 58.3% concentrated in commercial real estate and construction loans.