LNC vs VLY
Lincoln National Corporation vs Valley Bank — AI-powered side-by-side comparison
LNC
Lincoln National Corporation
72
Buy
VS
| Metric | LNC | VLY |
|---|
| AI Score |
72
|
75
|
| Price |
$45.45
|
$15.00
|
| P/E Ratio |
3.77×
|
12.41×
|
| ROE |
10.8%
|
7.7%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
57.5%
|
50.5%
|
| Debt / Equity |
0.60×
|
0.44×
|
| Dividend Yield |
4.0%
|
2.9%
|
| RSI (14) |
56.3
|
68.5
|
| Beta |
1.125
|
1.048
|
| Expected Upside |
+3.4%
|
+0.4%
|
AI Committee View
Current Innellis committee reasoning for LNC versus VLY.
VLY leads by 3 points.
VLY scores 75/100 (Buy) versus LNC at 72/100 (Buy).
LNC Committee View
83% agreement
6 analysts
The primary driver is news sentiment is positive (+0.80 across 5 articles, 14d). The main limiting factor is bollinger bandwidth of 20.5% signals elevated volatility. The committee is constructive but not yet at full conviction.
Bull Case
- P/E of 3.6 is inexpensive for the broad market — Value
- Price-to-book of 0.8x is a discount to asset value — Value
- ROE of 22.0% shows genuine earnings power backing the valuation — Value
Bear Case
- MACD histogram negative -- bearish momentum — Technical
- Bollinger bandwidth of 20.5% signals elevated volatility — Risk
VLY Committee View
83% agreement
6 analysts
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
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
- Stochastic RSI (89.4) confirms overbought conditions.
- Risk/reward is unfavorable: 12.3% downside vs 0.4% upside.