Valley National Bancorp (VLY)vsWells Fargo & Company (WFC)
VLY
Valley National Bancorp
$13.66
+0.07%
FINANCIAL SERVICES · Cap: $7.50B
WFC
Wells Fargo & Company
$80.42
+0.66%
FINANCIAL SERVICES · Cap: $247.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 4080% more annual revenue ($81.14B vs $1.94B). VLY leads profitability with a 33.8% profit margin vs 26.7%. VLY appears more attractively valued with a PEG of 1.16. VLY earns a higher WallStSmart Score of 79/100 (B+).
VLY
Strong Buy79
out of 100
Grade: B+
WFC
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Earnings expanding 58.1% YoY
Attractively priced relative to earnings
Revenue surging 23.8% year-over-year
Mega-cap, among the largest globally
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 29.4%
Generating 9.1B in free cash flow
Areas to Watch
No major concerns identified
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : VLY
The strongest argument for VLY centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 33.8% and operating margin at 46.4%. Revenue growth of 23.8% demonstrates continued momentum.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Profit Margin, P/E Ratio. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.44 suggests the stock is reasonably priced for its growth.
Bear Case : VLY
No major red flags identified for VLY, but monitor valuation.
Bear Case : WFC
The primary concerns for WFC are Altman Z-Score.
Key Dynamics to Monitor
VLY profiles as a growth stock while WFC is a mature play — different risk/reward profiles.
WFC carries more volatility with a beta of 1.06 — expect wider price swings.
VLY is growing revenue faster at 23.8% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Bottom Line
VLY scores higher overall (79/100 vs 74/100), backed by strong 33.8% margins and 23.8% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Valley National Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Valley National Bancorp is the parent company of Valley National Bank offering various commercial, retail, insurance and wealth management financial services products. The company is headquartered in New York, New York.
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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