Three independent discounted-cash-flow-style models value Valley National Bancorp every trading day. 0 of 3 currently price VLY above its market price.
| Free Cash Flow model | $7.85 |
| Excess Profit model | $10.94 |
| Residual Earnings model | $1.46 |
| Dividend Discount model | $4.43 |
| Piotroski F-Score | 4 / 9 |
| Return on invested capital | +7.5% |
| Net debt / EBITDA | -2.1× |
| Gross margin | +100.0% |
| Revenue CAGR | +17.8% |
| Cash conversion | 0.6× |
| Dividend yield | +3.5% |
| Buyback yield | -8.5% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
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