VLY · NASDAQ · STOCK
Valley Bank
$14.54
52W $9.26 – $15.20
68/100
$8.06B
12.0
1.05
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is VLY Bullish or Bearish?
Bullish.
Innellis AI committee rates Valley Bank (VLY) Buy with a composite score of 68/100
, based on 4 analysts with 75% agreement.
Last updated August 08, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +6.56 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -13.44 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is quarter-over-quarter growth rate is accelerating, not just positive. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull & Bear Case
Bull Case
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
- Trend and market structure agree -- coherent bullish picture — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 08, 2026
Overall Committee Score
68/100
Agreement
75%
Analysts
4
Conviction
High
Sector Rank
Top 28%
of 142 Financial Services peers
Growth Analyst
bullish
85
/ 100 · Low confidence
Strong, accelerating growth with consistent execution
+ Quarter-over-quarter growth rate is ACCELERATING, not just positive
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score weakened from 72.6 to 68.4.
- Conviction changed from unanimous to high.
- Committee agreement fell sharply from 100% to 75%.
- Bullish support removed: 7 signal(s) disappeared.
- Analyst(s) changed stance: News Analyst.
- Analyst(s) abstained: Risk Analyst, Value Analyst.
Analyst-level changes:
- News Analyst: stance bullish->neutral; score 63->58 (-5).
- Risk Analyst abstained (was bullish at 80).
- Value Analyst abstained (was bullish at 77).
Comparing 2026-08-07 to 2026-08-08 (1 day apart).
Technical Analysis
RSI (14)
49.7
Neutral
MACD Histogram
-0.010
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Support
$13.18
Resistance
$14.69
Bollinger %B
0.46
Inside Bands
Price vs Moving Averages
EMA 9
$14.55
Below
EMA 21
$14.53
Above
EMA 50
$14.31
Above
EMA 200
$12.91
Above
Fundamental Analysis
Valuation
100
Growth
72
Profitability
56
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
12.0×
P/B Ratio
1.02×
PEG Ratio
0.23
Dividend Yield
3.02%
52W High
$15.20
52W Low
$9.26
Quality & Growth
ROE
765.9%
ROA
93.0%
Gross Margin
5050.4%
Operating Margin
1447.7%
Revenue Growth YoY
—
Debt / Equity
0.44
AI Fundamental Assessment
P/E ratio of 12.0 (inexpensive relative to a 15-40x range); Price-to-book of 1.0x; PEG ratio of 0.2 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 7.7%; Return on assets of 0.9%; Net margin of 23.3%; Gross margin of 50.5%; Current ratio of 0.17 (tight short-term liquidity); Debt-to-equity of 0.44; Free cash flow per share is positive (1.38); Most recent quarter missed estimates by 3.7%; EPS growth accelerating (-6.5% -> +3.4% QoQ); Average YoY EPS growth of 30.4%; Analyst estimates rising over recent quarters
Get the Full VLY Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →