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Stock Ratings / Financials / VLY
CBSH (69) BOKF (56) WAL (38) CBC (65) ⌘ Pro Terminal →

Valley National Bancorp (VLY) — RQD Stock Rating Cockpit

$14.45 +2.19% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $14.48

Valley National Bancorp (VLY) carries a Roarable Rating of C- (Hold) with 59/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $7.94B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on VLY Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is VLY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Valley National Bancorp (NASDAQ: VLY) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $14.45 (+2.19% 1D, market cap $7.94B). Pillar breakdown: Fundamental Cash Engine 6/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, VLY ranks #407 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does VLY compare to CBSH and BOKF in the Financials sector?
▼

Within the Financials sector (Major Banks), VLY carries a Roarable C- (59/100 RQD), trailing P/E of 13.2x, gross margin of —, and ROIC of 2.4%. By comparison, CBSH (Commerce Bancshares Inc.) holds a C+ grade (69/100 RQD, P/E 14.1x, ROIC 4.5%, cap $8.00B) and BOKF (BOK Financial Corporation) posts a D+ grade (56/100 RQD, P/E 13.9x, ROIC 2.9%, cap $8.05B). Among the 5-stock peer group, WAL leads on earnings multiple (8.8x) while CBSH leads on capital efficiency (4.5% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for VLY?
▼

Per VLY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000714310), Valley National Bancorp generated $1.98B in revenue (+57.3% YoY), $598.0M in net income, and $325.7M in free cash flow against $64.13B in total assets and $25.35B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $14.48 (+0.20%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 6/20 (E) • 16.5% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY • 53.1% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C-
025507510059
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ · Rk C
Cash (6)Whales (14)SEC (15)Macro (10)CEO (14)
Each axis scored 0–20
12M PRICE TARGET CONE+0.5% Base Target
$17 Bull$15 Base$11 Bear
📬 FREE VLY RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for VLY)Realized 20D OHLCV Swing Band: ±4.4%
Deterministic 5-Pillar Attribution (59/100 Composite)
🔍 WHY VLY SCORES 59/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (24% of score)

20D Institutional Volume Accumulation (±4.4% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality6/20 pts (-14 pt drag)

Capital intensity & 0% operating margin leave 14 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
51
Grade C-$12.75+8.3% Next Q
Q2 (-2Q)
54
Grade C-$13.81+3.4% Next Q
Q3 (-1Q)
56
Grade C$14.28+1.2% Next Q
Current
59
Grade C-$14.45+0.2% Hist 90D α
Trajectory: C- (51) → C- (59)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the VLY Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 59/100 (C-) score, VLY faces multiple-compression risk if 13.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 15.0% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($13.40) or 200D SMA ($13.50) invalidates the momentum regime and cuts Target Base ($14.52) toward Bear Floor ($11.33).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $VLY• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “VLY Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 59%NO 41%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
68.530 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
7 / 99-Pt Accounting
52-WEEK LASER RANGE85% OF RANGE
L: $10$14.45H: $15
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: ERQD 6 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: B-RQD 28 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on VLY

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (30)

2.4% ROIC with 42.0% gross margin and 4.13% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (75)

Altman-Z 4.20 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (63)

28/40 institutional & smart-money positioning score with 10/20 macro alignment.

Bull Case: Why Buyers Like VLY
  • ✓Company leadership has skin in the game with net positive insider conviction.
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (VLY Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
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VLY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +5.86%📐 HORIZONTAL RANGE
2026-11-04O $14.14H $14.45L $14.14C $14.45VOL 8.67M
RES: $15.44SUP: $11.84SMA50: $13.40SMA200: $13.50
$15.46$14.39$13.32$12.26$11.19RES $15.44SUP $11.84$14.452026-05-052026-06-222026-08-062026-09-222026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

VLY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 VLY Butterfly Map → + Track VLY →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
4.5%/yr Implied 5Y Growth

vs. +57.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on VLY today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for VLY. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for VLY today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (VLY)

Financials Rank #407 of 1097 ⚔️ CBSH vs VLY Full Matrix →

1. Head-to-Head Financials Peer Comparison (VLY vs. CBSH, BOKF, WAL, CBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Valley National Bancorp (VLY) ranks #407 by composite RQD confidence (59/100, grade C-) and #220 by equity capitalization ($7.94B). Within this direct 5-issuer industry benchmark cohort, WAL leads on earnings valuation at 8.8x trailing P/E, while CBSH leads on capital efficiency and profitability with 4.5% ROIC and — gross margin. CBSH currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with VLY at 59/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
VLY ACTIVE
Valley National Bancorp
C- 59/100 13.2x — 2.4% +2.19% $7.94B Benchmark Subject
CBSH
Commerce Bancshares Inc.
C+ 69/100 14.1x — 4.5% +1.34% $8.00B /cbsh-vs-vly →
BOKF
BOK Financial Corporation
D+ 56/100 13.9x — 2.9% +1.76% $8.05B /bokf-vs-vly →
WAL
Western Alliance Bancorporation
D- 38/100 8.8x — 2.9% +3.12% $8.46B /wal-vs-vly →
CBC
Central Bancompany Inc.
C 65/100 22.0x — 4.5% +2.59% $8.83B /cbc-vs-vly →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000714310 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Valley National Bancorp (VLY) reported GAAP revenue of $1.98B (+57.3% vs. FY2024 revenue of $1.26B , and +20.0% cumulative change since FY2023) , GAAP net income of $598.0M, operating cash flow of $343.8M, and free cash flow of $325.7M (-38.8% YoY). On the balance sheet, VLY closed FY2025 with $64.13B in total assets against $25.35B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.98B $598.0M $343.8M $325.7M $64.13B $25.35B
FY2024 (FY) 2024-12-31 $1.26B $380.3M $548.5M $532.4M $62.49B $24.78B
FY2023 (FY) 2023-12-31 $1.65B $498.5M $378.2M $378.2M $4.34B $1.02B

3. VLY Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is VLY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Valley National Bancorp (NASDAQ: VLY) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $14.45 (+2.19% 1D, market cap $7.94B). Pillar breakdown: Fundamental Cash Engine 6/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, VLY ranks #407 in composite RQD confidence.

How does VLY compare to CBSH and BOKF in the Financials sector?

Within the Financials sector (Major Banks), VLY carries a Roarable C- (59/100 RQD), trailing P/E of 13.2x, gross margin of —, and ROIC of 2.4%. By comparison, CBSH (Commerce Bancshares Inc.) holds a C+ grade (69/100 RQD, P/E 14.1x, ROIC 4.5%, cap $8.00B) and BOKF (BOK Financial Corporation) posts a D+ grade (56/100 RQD, P/E 13.9x, ROIC 2.9%, cap $8.05B). Among the 5-stock peer group, WAL leads on earnings multiple (8.8x) while CBSH leads on capital efficiency (4.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for VLY?

Per VLY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000714310), Valley National Bancorp generated $1.98B in revenue (+57.3% YoY), $598.0M in net income, and $325.7M in free cash flow against $64.13B in total assets and $25.35B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is VLY trading relative to its 50-day, 200-day, and 52-week technical levels?

VLY last traded at $14.45 (+2.19% on volume of 8,671,536 shares), positioning the stock +7.84% above its 50-day simple moving average ($13.40) and +7.04% above its 200-day simple moving average ($13.50). Across its 52-week range of $10.34 to $15.20, VLY sits at the 84.6% percentile with a 14-day RSI of 68.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.4% ($13.81 to $15.09).

Direct Sub-Reports: VLY RQD Cockpit VLY 12M Forecast VLY Earnings & Move VLY Dividends & DRIP VLY Insiders & 13F VLY Whale Options VLY Profit Sankey VLY News & Why
ROARABLE RATING BRIEF • RQD 59/100 (C-) ✓ SEC XBRL & RQD VERIFIED

VLY — Valley National Bancorp: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Valley National Bancorp (VLY) earns a live Roarable RQD composite score of 59/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $14.45 (+2.19% 1D, market capitalization $7.94B).

  • Fundamental Cash Engine (6/20): Anchored by return on invested capital (ROIC) of 2.4%, gross margin of —, operating margin of 33.0%, and free cash flow yield of 4.13%.
  • Whale 13F & Options Flow (14/20) + Insider Conviction (14/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (10/20) + Forensic Balance Sheet (15/20): Incorporates a 0.99x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 7/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Valley National Bancorp (VLY) is a NASDAQ-listed issuer.. — for specific products, customer segments, or revenue sources.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Valley National Bancorp (VLY) reported $1.98B in annual revenue (up from $1.26B in FY2024, +57.3% YoY) and $598.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.65B revenue, $498.5M net income) through FY2025, VLY scaled operating cash flow to $343.8M and free cash flow to $325.7M, backed by $64.13B in total assets against $25.35B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C- • RQD 59/100): Company leadership has skin in the game with net positive insider conviction. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 6/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $10.34 – $15.20 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 13.2x trailing P/E and 32.0x EV/EBITDA against 33.0% operating margins and a 0.99x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— supply_chain is NONE, butterfly_links is empty, and proprietary_signals is empty. No upstream or downstream dependencies, sector correlations, or second-order bottlenecks are documented in the source data.

  • Key Question #1: Can VLY sustain or expand its 33.0% operating margin and 2.4% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.98B and free cash flow of $325.7M, how will capital allocation balance growth reinvestment against $25.35B in total debt?
  • Key Question #3: How sensitive is VLY's 12.3x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 0.99x)?

VLY Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Valley National Bancorp (VLY) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to VLY Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

VLY Bull vs. Bear Conversation Board — What's Your Call at $14.45?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON VLY 🐻 33% BEARISH CONVICTION
1. Pick Your Side on VLY:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
AL AlphaFlow_Cap RQD DEBATE OPENER • Verified $100K Arena Trader 🐂 BULLISH 🎯 Target: $16.54 (+17.0%)
📌 Pinned Debate

Forensic balance sheet strength (Altman Z 2.5, Piotroski F 7/9, Debt/Equity 0.5) and a 4.13% FCF yield at a 12.3 forward P/E give the s

The street is overcomplicating Valley National Bancorp (VLY). Forensic balance sheet strength (Altman Z 2.5, Piotroski F 7/9, Debt/Equity 0.5) and a 4.13% FCF yield at a 12.3 forward P/E give the stock a sturdy base.. With an RQD score of 59/100 (C-) and Forensic Balance Sheet at 15/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $15.27.

VolSurface_Trader 🐂 BULL

@ForensicBear Shorting a 14/20 institutional whale-flow stock at $14.14 is dangerous when funds are rotating into Financials.

FO ForensicBear RQD DEBATE OPENER • 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $11.17 (-21.0%)
Spot @ $14.14

A 2.4% ROIC and reported debt rising from $1.02B to $25.35B raise doubts about capital efficiency and the quality of the balance sh

A 2.4% ROIC and reported debt rising from $1.02B to $25.35B raise doubts about capital efficiency and the quality of the balance sheet trend.. Look at the math on VLY: paying 13.2x trailing P/E for 2.4% ROIC and 33.0% operating margins leaves zero margin of safety if Major Banks demand softens. I'd wait for a retest of $12.44 before getting long.

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