VLY · NASDAQ · STOCK
Valley Bank (VLY) Stock Analysis
$14.02
52W $9.64 – $15.20
70/100
$7.70B
11.5
1.06
⚠
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 70/100
, based on 6 analysts with 83% agreement.
Last updated September 05, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +4.68 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 — -15.32 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 committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- P/E of 11.0 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
- Revenue growing 77.7% YoY -- genuine top-line momentum — Growth
- EPS growing 48.8% YoY — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
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 September 05, 2026
Overall Committee Score
70/100
Agreement
83%
Analysts
6
Conviction
High
Sector Rank
Top 3%
of 211 Financial Services peers
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 11.0 is inexpensive for the broad market
Growth Analyst
bullish
85
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 77.7% YoY -- genuine top-line momentum
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Risk Analyst
bullish
75
/ 100 · Moderate confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.08) -- balance sheet can absorb a shock
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
72
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.44 across 9 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3059.07)
Investment Thesis Evolution
Committee score moved marginally from 70.3 to 70.3.
Comparing 2026-09-04 to 2026-09-05 (1 day apart).
Technical Analysis
RSI (14)
43.6
Neutral
MACD Histogram
-0.072
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$13.18
Resistance
$14.08
Bollinger %B
0.29
Inside Bands
Price vs Moving Averages
EMA 9
$13.91
Above
EMA 21
$14.16
Below
EMA 50
$14.26
Below
EMA 200
$13.14
Above
Fundamental Analysis
Valuation
100
Growth
72
Profitability
56
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
11.5×
P/B Ratio
0.97×
PEG Ratio
0.22
Dividend Yield
3.17%
52W High
$15.20
52W Low
$9.64
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 11.5 (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 (1.00); 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 →