VLYVALLEY NATIONAL BANCORP

National Commercial Banks · $7.8B market cap · 710 employees

0.2×

Less likely than average to be taken private

Top 50% of the Russell 3000 for a buyout by a private-equity firm, holdco or insiders. How it works

What an activist or buyer would see: cheap, overpaid, diluted or under pressure.

Earnings not backed by cashYes
57% of net income
Cash flow under 80% of net income

14 other checks

TSR below peersNo
—
3+ of last 5 years
High CEO pay despite TSRNo
—
Median CEO pay ≥ $15M while TSR trails
Dilutive SBCNo
—
Over 10% of revenue
Payouts exceed cash flowNo
91% of cash flow
Buybacks + dividends over cash flow
Goodwill-heavyNo
3% of assets
Over 40% of assets
Shareholder dissentNo
98% lowest support
Any vote under 80% support
Low revenue per employeeNo
—
Bottom quartile of its SIC industry
Quiet on AINo
4.0 per 10K words · 78th pct
Bottom quartile of AI mentions in 10-Ks
Net cashNo
—
More cash than debt, positive EBITDA
Buyout-sizedNo
$7.8B market cap
Market cap $500M–$5B
Recurring revenueNo
3 of 10
10-K business scored 7+ of 10 for recurring revenue
AI-rollup shapedNo
0 of 10
10-K business scored 5+ of 10 as an AI-rollup target
Active 13DNo
0 filings
Active-intent 13D in 18 months
Net insider sellingNo
−$2M net
Net sales over $10M in 12 months

Filed	Form	Acquirer	Price	Premium
Dec 3, 2021	DEFM14A	Bank Leumi Le-Israel Corporation	$5.35	35.29%
Nov 23, 2021	PREM14A	—	$5.35	38.025%

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%

Filed	Filer	Form	Stake	Intent
Apr 11, 2022	BANK LEUMI LE ISRAEL BM	SC 13D	14.2%	Passive

−$2Mnet selling by insiders, open market, last 12 months

Bought $34K · 1 tradeSold $2M · 2 trades

No pay-versus-performance disclosure yet.