Valley National Bancorp (VLY) vs Zions Bancorporation, N.A. (ZION)

Valley National Bancorp and Zions Bancorporation, N.A. are both Banks Regional companies. Zions Bancorporation, N.A. is the larger, with a market value of $9.5B against $7.7B — 1.2× the size. Zions Bancorporation, N.A. trades at the lower P/E: 8.0× against 11.0×. Zions Bancorporation, N.A. grew revenue faster over the last twelve months: 4.16% against 3.27%. Zions Bancorporation, N.A. has the higher net margin (23.4% vs 19.6%) and the higher return on invested capital (22.3% vs 5.93%). Both pay a dividend; Valley National Bancorp yields more (3.12% vs 2.81%). Across the 18 metrics below, Zions Bancorporation, N.A. leads on 13 and Valley National Bancorp on 5.

Valuation

Metric VLY ZION Banks Regional median
P/E 11.02 7.99 12.02
P/S 2.16 1.83 2.36
P/B 1.03 1.24 1.23
Price to free cash flow 13.93 5.62 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.07% 12.51% 8.21%
Free cash flow yield 7.18% 17.79% 9.23%

Profitability

Metric VLY ZION Banks Regional median
Gross margin 61.80% 72.91% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.63% 23.44% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 9.50% 16.76% 10.28%
Return on assets 1.08% 1.35% 1.13%
Return on invested capital 5.93% 22.33% 8.45%

Growth

Metric VLY ZION Banks Regional median
Revenue growth (TTM) 3.27% 4.16% 6.37%
EPS growth (last fiscal year) 46.38% 21.41% 18.85%
Revenue growth, 5-year CAGR 17.40% 10.93% 12.65%
Net income growth, 5-year CAGR 8.53% 12.13% 9.81%

Health

Metric VLY ZION Banks Regional median
Debt to equity 0.34 0.31 0.17
Current ratio 0.95 0.86 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric VLY ZION Banks Regional median
Dividend yield 3.12% 2.81% 2.49%
Payout ratio 0.35 0.22 0.29

Size

Metric VLY ZION Banks Regional median
Market cap 7.74b 9.48b 934.85m

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