FDS vs VLY
FactSet vs Valley Bank — AI-powered side-by-side comparison
| Metric | FDS | VLY |
|---|
| AI Score |
58
|
67
|
| Price |
$301.04
|
$13.90
|
| P/E Ratio |
19.99×
|
11.65×
|
| ROE |
27.3%
|
7.7%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
51.4%
|
50.5%
|
| Debt / Equity |
0.77×
|
0.44×
|
| Dividend Yield |
1.5%
|
3.1%
|
| RSI (14) |
73.9
|
27.7
|
| Beta |
0.687
|
1.059
|
| Expected Upside |
+0.2%
|
+4.2%
|
AI Committee View
Current Innellis committee reasoning for FDS versus VLY.
VLY leads by 9 points.
VLY scores 67/100 (Buy) versus FDS at 58/100 (Buy).
FDS Committee View
67% agreement
6 analysts
The primary driver is 3 consecutive earnings beats -- consistent execution. The main limiting factor is bollinger bandwidth of 15.4% signals elevated volatility. The committee is constructive but not yet at full conviction.
Bull Case
- ROE of 26.6% shows genuine earnings power backing the valuation — Value
- 3 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
Bear Case
- Price-to-book of 6.5x prices in significant intangible value — Value
- Weekly RSI at 76 -- overbought on the larger timeframe too — Technical
- Bollinger bandwidth of 15.4% signals elevated volatility — Risk
VLY Committee View
67% agreement
6 analysts
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 77.7% yoy -- genuine top-line momentum. Technical Analyst remains cautious — rsi at 30 is in oversold territory (could mean either capitulation or a bounce setup). This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- P/E of 11.9 is inexpensive for the broad market — Value
- Price-to-book of 0.8x is a discount to asset value — Value
- Dividend yield of 3.1% pays you to wait — Value
Bear Case
- RSI at 30 is in oversold territory (could mean either capitulation or a bounce setup) — Technical
- MACD histogram negative -- bearish momentum — Technical