{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "53f402a8-d37a-499f-a03e-23ef4cae50a4",
    "symbol": "VLYPO",
    "name": "Valley National Bancorp B Pref",
    "exchange": "NASDAQ",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/53f402a8-d37a-499f-a03e-23ef4cae50a4/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "53f402a8-d37a-499f-a03e-23ef4cae50a4",
      "symbol": "VLYPO",
      "name": "Valley National Bancorp B Pref",
      "exchange": "NASDAQ",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/53f402a8-d37a-499f-a03e-23ef4cae50a4/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "VLYPO",
    "market_cap_usd": 3335591985.0,
    "price": 25.01,
    "currency": "USD",
    "dividend_yield": 0.01879248,
    "dividend_years": 8,
    "dividend_growth_5y": 0.08257362,
    "dividend_cut_5y": true,
    "payout_ratio": 0.46467207,
    "net_income": 597983000.0,
    "free_cash_flow": 343832000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.42763309,
    "revenue_growth_5y": 0.17400275,
    "net_margin": 0.33791,
    "roe": 0.08557,
    "pe_ratio": 22.531532,
    "price_vs_ma": 0.0131069,
    "return_3y": 0.4330484,
    "return_5y": 0.41639292,
    "max_drawdown": -0.32742968,
    "scores": {
      "dividend_reliability": 16.4,
      "dividend_sustainability": 20.0,
      "business_quality": 22.5,
      "valuation": 15.0,
      "trend": 15.0,
      "total": 88.9,
      "confidence": 100.0
    },
    "rating": "exceptional",
    "rating_label": "Exceptional Dividend Compounder",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend yield normalized from payment history because provider yield looked inconsistent.",
      "Dividend cut or material annual decrease detected in the last five completed years."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/53f402a8-d37a-499f-a03e-23ef4cae50a4/",
      "chart": "https://sharemaestro.com/terminal/53f402a8-d37a-499f-a03e-23ef4cae50a4/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 16.4,
    "dividend_sustainability": 20.0,
    "business_quality": 22.5,
    "valuation": 15.0,
    "trend": 15.0,
    "total": 88.9,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend yield normalized from payment history because provider yield looked inconsistent.",
    "Dividend cut or material annual decrease detected in the last five completed years."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "VLYPO",
      "exchange": "NASDAQ",
      "headline": "VLYPO dividend review warning",
      "detail": "Dividend cut or material annual decrease detected in the last five completed years.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53f402a8-d37a-499f-a03e-23ef4cae50a4/"
    },
    {
      "event_date": "2026-03-13",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "VLYPO",
      "exchange": "NASDAQ",
      "headline": "Dividend decreased -5.2%",
      "detail": "Payment changed from 0.496 to 0.47.",
      "amount": 0.47,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53f402a8-d37a-499f-a03e-23ef4cae50a4/"
    },
    {
      "event_date": "2026-03-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLYPO",
      "exchange": "NASDAQ",
      "headline": "VLYPO dividend payment 0.47 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp B Pref.",
      "amount": 0.47,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53f402a8-d37a-499f-a03e-23ef4cae50a4/"
    },
    {
      "event_date": "2025-12-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLYPO",
      "exchange": "NASDAQ",
      "headline": "VLYPO dividend payment 0.496 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp B Pref.",
      "amount": 0.496,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53f402a8-d37a-499f-a03e-23ef4cae50a4/"
    },
    {
      "event_date": "2025-09-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLYPO",
      "exchange": "NASDAQ",
      "headline": "VLYPO dividend payment 0.52 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp B Pref.",
      "amount": 0.52,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53f402a8-d37a-499f-a03e-23ef4cae50a4/"
    },
    {
      "event_date": "2025-06-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLYPO",
      "exchange": "NASDAQ",
      "headline": "VLYPO dividend payment 0.514 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp B Pref.",
      "amount": 0.514,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53f402a8-d37a-499f-a03e-23ef4cae50a4/"
    },
    {
      "event_date": "2025-03-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLYPO",
      "exchange": "NASDAQ",
      "headline": "VLYPO dividend payment 0.516 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp B Pref.",
      "amount": 0.516,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53f402a8-d37a-499f-a03e-23ef4cae50a4/"
    },
    {
      "event_date": "2024-12-13",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "VLYPO",
      "exchange": "NASDAQ",
      "headline": "Dividend decreased -10.9%",
      "detail": "Payment changed from 0.599 to 0.534.",
      "amount": 0.534,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53f402a8-d37a-499f-a03e-23ef4cae50a4/"
    },
    {
      "event_date": "2024-12-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLYPO",
      "exchange": "NASDAQ",
      "headline": "VLYPO dividend payment 0.534 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp B Pref.",
      "amount": 0.534,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53f402a8-d37a-499f-a03e-23ef4cae50a4/"
    },
    {
      "event_date": "2024-09-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLYPO",
      "exchange": "NASDAQ",
      "headline": "VLYPO dividend payment 0.599 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp B Pref.",
      "amount": 0.599,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53f402a8-d37a-499f-a03e-23ef4cae50a4/"
    },
    {
      "event_date": "2024-06-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLYPO",
      "exchange": "NASDAQ",
      "headline": "VLYPO dividend payment 0.578 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp B Pref.",
      "amount": 0.578,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53f402a8-d37a-499f-a03e-23ef4cae50a4/"
    },
    {
      "event_date": "2024-03-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLYPO",
      "exchange": "NASDAQ",
      "headline": "VLYPO dividend payment 0.581 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp B Pref.",
      "amount": 0.581,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53f402a8-d37a-499f-a03e-23ef4cae50a4/"
    },
    {
      "event_date": "2023-12-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLYPO",
      "exchange": "NASDAQ",
      "headline": "VLYPO dividend payment 0.577 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp B Pref.",
      "amount": 0.577,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53f402a8-d37a-499f-a03e-23ef4cae50a4/"
    },
    {
      "event_date": "2023-09-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLYPO",
      "exchange": "NASDAQ",
      "headline": "VLYPO dividend payment 0.582 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp B Pref.",
      "amount": 0.582,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53f402a8-d37a-499f-a03e-23ef4cae50a4/"
    },
    {
      "event_date": "2023-06-14",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "VLYPO",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 7.5%",
      "detail": "Payment changed from 0.519 to 0.558.",
      "amount": 0.558,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53f402a8-d37a-499f-a03e-23ef4cae50a4/"
    },
    {
      "event_date": "2023-06-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLYPO",
      "exchange": "NASDAQ",
      "headline": "VLYPO dividend payment 0.558 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp B Pref.",
      "amount": 0.558,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53f402a8-d37a-499f-a03e-23ef4cae50a4/"
    },
    {
      "event_date": "2023-03-14",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "VLYPO",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 13.3%",
      "detail": "Payment changed from 0.458 to 0.519.",
      "amount": 0.519,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53f402a8-d37a-499f-a03e-23ef4cae50a4/"
    },
    {
      "event_date": "2022-12-14",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "VLYPO",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 33.1%",
      "detail": "Payment changed from 0.344 to 0.458.",
      "amount": 0.458,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/53f402a8-d37a-499f-a03e-23ef4cae50a4/"
    }
  ]
}