VLYVALLEY NATIONAL BANCORP
National Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- $7.8B
- Employees
- 710
- Net debt / EBITDA
- —
- $1.8B net debt
- AI in 10-K
- 4.0
- mentions per 10K words
Takeover score 1 of 13
Fixable underperformance 1 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashYes57% of net incomeCash flow under 80% of net income
- Dilutive SBCNo—Over 10% of revenue
- Payouts exceed cash flowNo91% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo3% of assetsOver 40% of assets
- Shareholder dissentNo98% lowest supportAny vote under 80% support
Buyer economics 0 of 4
- Low revenue per employeeNo—Bottom quartile of its SIC industry
- Quiet on AINo4.0 per 10K words · 78th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedNo$7.8B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo−$2M netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $474M | $569M | $499M | $380M | $598M | 57% |
| Operating cash flow | $837M | $1.4B | $378M | $549M | $344M | 37% |
| Capex | $39M | $69M | $76M | $16M | $18M | 12% |
| Stock-based comp | $21M | $29M | $33M | $29M | $27M | 5.9% |
| Buybacks | $24M | $24M | $2M | $0 | $63M | |
| Dividends | $180M | $206M | $225M | $228M | $249M | 9.1% |
Deal filings
13D filers
| Filed | Filer | Form | Stake | Intent |
|---|---|---|---|---|
| Apr 11, 2022 | BANK LEUMI LE ISRAEL BM | SC 13D | 14.2% | Passive |
Insider trading
- Open-market buys, 12 mo
- $34K · 1
- Open-market sells, 12 mo
- $2M · 2
- Net
- −$2M
Pay vs performance
No pay-versus-performance disclosure yet.