Valley National Bancorp (VLY) versus Jeffersonville Bancorp (JFBC) Critical Survey

Valley National Bancorp (NYSE:VLY) and Jeffersonville Bancorp (OTCMKTS:JFBC) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their earnings, institutional ownership, valuation, risk, dividends, profitability and analyst recommendations.

Profitability

This table compares Valley National Bancorp and Jeffersonville Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Valley National Bancorp N/A N/A N/A
Jeffersonville Bancorp 26.34% 9.65% 1.20%

Institutional & Insider Ownership

55.9% of Valley National Bancorp shares are owned by institutional investors. 3.5% of Valley National Bancorp shares are owned by insiders. Comparatively, 8.4% of Jeffersonville Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Valley National Bancorp and Jeffersonville Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Valley National Bancorp 0 2 2 0 2.50
Jeffersonville Bancorp 0 0 0 0 N/A

Valley National Bancorp presently has a consensus price target of $13.69, suggesting a potential upside of 33.02%. Given Valley National Bancorp’s higher probable upside, equities research analysts clearly believe Valley National Bancorp is more favorable than Jeffersonville Bancorp.

Earnings & Valuation

This table compares Valley National Bancorp and Jeffersonville Bancorp’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Valley National Bancorp N/A N/A N/A N/A N/A
Jeffersonville Bancorp $23.56 million 3.08 $6.20 million N/A N/A

Jeffersonville Bancorp has higher revenue and earnings than Valley National Bancorp.

Dividends

Valley National Bancorp pays an annual dividend of $0.44 per share and has a dividend yield of 4.3%. Jeffersonville Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 3.5%.

Summary

Jeffersonville Bancorp beats Valley National Bancorp on 5 of the 9 factors compared between the two stocks.

About Valley National Bancorp

Valley National Bancorp operates as the holding company for the Valley National Bank that provides commercial, retail, trust, and investment services. The company operates through Commercial Lending, Consumer Lending, and Investment Management segments. Its deposit products include non-interest bearing, savings, NOW, and money market deposits, as well as certificates of deposit. The company's loan products comprise construction, residential mortgage, home equity, automobile, and floating rate and adjustable rate commercial and industrial loans, as well as fixed rate owner occupied and commercial real estate loans, credit card loans, personal lines of credit, personal loans, and loans secured by cash surrender value of life insurance. It also invests in securities and interest-bearing deposits with banks, such as fixed rate securities and federal funds; and offers international banking services, such as standby letters of credit, documentary letters of credit and related products, and other ancillary services. In addition, the company provides asset management advisory, trust, and asset-based lending support services; property and casualty, life, health, and title insurance products; and health care equipment lending and other commercial equipment leases, as well as real estate related investments. Further, it offers other banking services comprising automated teller machine, telephone and Internet banking, remote deposit capturing, overdraft, drive-in and night deposit, and safe deposit services. As of December 31, 2017, the company operated 237 branches in northern and central New Jersey; the New York City boroughs of Manhattan, Brooklyn, Queens, and Long Island; and southeast and central Florida. Valley National Bancorp was founded in 1927 and is headquartered in Wayne, New Jersey.

About Jeffersonville Bancorp

Jeffersonville Bancorp operates as the bank holding company for Jeff Bank that provides community banking services to individuals, small businesses, and local municipal governments primarily in Sullivan County, New York. The company offers personal checking accounts; and small business checking, business checking, NOW checking, estate checking, non-profit checking, and interest on lawyer accounts. It also provides personal loan products, such as auto/RV/motorcycle/boat loans, home improvement, debt consolidation, check loans, and other financing; and business loans, including commercial real estate, commercial lines of credit, short-term notes, installments, and commercial vehicle/equipment loans, as well as agricultural and construction loans. In addition, the company offers an array of mortgage products, including residential, home equity lines of credit, construction, vacant land, manufactured homes, mobile homes, and seasonal homes. Further, it provides personal savings, business savings, and retirement accounts. Additionally, the company offers credit and debit cards; business services, including electronic deposits and withdrawals, and remote check deposits for business customers; and online/mobile banking services. As of March 16, 2018, it had 11 full service branches in Sullivan County and 1 branch in Orange County. The company was founded in 1913 and is based in Jeffersonville, New York.

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