NASDAQ · STOCK
Valley Bank
$14.65
52W $8.95 – $15.20
65/100
—
13.0
1.05
Explore VLY Further
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is VLY Bullish or Bearish?
Bullish.
Innellis AI committee rates Valley Bank (VLY) Buy with a composite score of 65/100
, based on 7 analysts with 57% agreement.
Last updated July 20, 2026.
Executive Summary
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- Daily trend: uptrend.
- Weekly trend: uptrend.
- Daily and weekly trends are both bullish — multi-timeframe alignment, highest confidence.
- Higher Highs / Higher Lows structure confirms bullish price action.
- Daily volatility (ATR%) above ~3% is treated as elevated risk.
Bear Case
- MACD histogram is negative (-0.021) — bearish momentum.
- Bearish candlestick pattern(s) detected: Evening Star.
- Risk/reward is unfavorable: 10.1% downside vs 0.3% upside.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 20, 2026
Overall Committee Score
65/100
Agreement
57%
Analysts
7
Conviction
Contested
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 12.4 is inexpensive for the broad market
Growth Analyst
bullish
71
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 77.7% YoY -- genuine top-line momentum
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
57
/ 100 · High confidence
Mixed or range-bound price action
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
bullish
80
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.08) -- balance sheet can absorb a shock
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2975.52)
Investment Thesis Evolution
Committee score moved marginally from 65.3 to 65.3.
- New bearish signals: 1 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- Portfolio Manager: +1 bearish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-07-19 to 2026-07-20 (1 day apart).
Technical Analysis
RSI (14)
47.8
Neutral
MACD Histogram
-0.021
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Support
$13.18
Resistance
$14.69
Bollinger %B
0.46
Inside Bands
Price vs Moving Averages
EMA 9
$14.77
Below
EMA 21
$14.61
Above
EMA 50
$14.17
Above
EMA 200
$12.67
Above
Fundamental Analysis
Valuation
100
Growth
63
Profitability
0
Financial Health
100
Cash Flow
37
Valuation
P/E Ratio
13.0×
P/B Ratio
1.04×
PEG Ratio
0.20
Dividend Yield
0.03%
52W High
$15.20
52W Low
$8.95
Quality & Growth
ROE
7.7%
ROA
0.9%
Gross Margin
56.5%
Operating Margin
23.1%
Revenue Growth YoY
—
Debt / Equity
0.39
AI Fundamental Assessment
P/E ratio of 13.0 (inexpensive relative to a 15-40x range); Price-to-book of 1.0x; PEG ratio of 0.2 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.2%; Gross margin of 0.6%; Current ratio of 9.49 (healthy short-term liquidity); Debt-to-equity of 0.39; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (1.00); Most recent quarter beat estimates by 5.1%; 4 consecutive earnings beats; EPS growth decelerating (+10.7% -> -6.5% QoQ); Analyst estimates rising over recent quarters
Key Risks
- MACD histogram is negative (-0.021) — bearish momentum.
- Bearish candlestick pattern(s) detected: Evening Star.
- Risk/reward is unfavorable: 10.1% downside vs 0.3% upside.
This risk summary is generated from quantitative data signals, not qualitative opinion. All investors should conduct their own due diligence. This is not financial advice.
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