{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "7acfdd3a-d2b0-43a0-9af1-6104584f0c29",
    "symbol": "VLY",
    "name": "Valley National Bancorp",
    "exchange": "NASDAQ",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "7acfdd3a-d2b0-43a0-9af1-6104584f0c29",
      "symbol": "VLY",
      "name": "Valley National Bancorp",
      "exchange": "NASDAQ",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "VLY",
    "market_cap_usd": 7635931766.84,
    "price": 14.63,
    "currency": "USD",
    "dividend_yield": 0.0075188,
    "dividend_years": 36,
    "dividend_growth_5y": 0.0,
    "dividend_cut_5y": false,
    "payout_ratio": 0.3964,
    "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": 13.180181,
    "price_vs_ma": 0.16837895,
    "return_3y": 1.22296741,
    "return_5y": 0.31218871,
    "max_drawdown": -0.53950924,
    "scores": {
      "dividend_reliability": 20.0,
      "dividend_sustainability": 20.0,
      "business_quality": 22.5,
      "valuation": 15.0,
      "trend": 12.0,
      "total": 89.5,
      "confidence": 100.0
    },
    "rating": "exceptional",
    "rating_label": "Exceptional Dividend Compounder",
    "decision": "buyable_now",
    "decision_label": "Buyable Now",
    "warnings": [
      "Dividend yield normalized from payment history because provider yield looked inconsistent."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/",
      "chart": "https://sharemaestro.com/terminal/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 20.0,
    "dividend_sustainability": 20.0,
    "business_quality": 22.5,
    "valuation": 15.0,
    "trend": 12.0,
    "total": 89.5,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend yield normalized from payment history because provider yield looked inconsistent."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "VLY",
      "exchange": "NASDAQ",
      "headline": "VLY dividend review warning",
      "detail": "Dividend yield normalized from payment history because provider yield looked inconsistent.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
    },
    {
      "event_date": "2026-06-12",
      "event_type": "qualified",
      "severity": "positive",
      "ticker": "VLY",
      "exchange": "NASDAQ",
      "headline": "VLY qualified as a dividend compounder candidate",
      "detail": "Score 89.5/100, decision Buyable Now.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
    },
    {
      "event_date": "2026-03-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLY",
      "exchange": "NASDAQ",
      "headline": "VLY dividend payment 0.11 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp.",
      "amount": 0.11,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
    },
    {
      "event_date": "2025-12-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLY",
      "exchange": "NASDAQ",
      "headline": "VLY dividend payment 0.11 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp.",
      "amount": 0.11,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
    },
    {
      "event_date": "2025-09-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLY",
      "exchange": "NASDAQ",
      "headline": "VLY dividend payment 0.11 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp.",
      "amount": 0.11,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
    },
    {
      "event_date": "2025-06-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLY",
      "exchange": "NASDAQ",
      "headline": "VLY dividend payment 0.11 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp.",
      "amount": 0.11,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
    },
    {
      "event_date": "2025-03-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLY",
      "exchange": "NASDAQ",
      "headline": "VLY dividend payment 0.11 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp.",
      "amount": 0.11,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
    },
    {
      "event_date": "2024-12-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLY",
      "exchange": "NASDAQ",
      "headline": "VLY dividend payment 0.11 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp.",
      "amount": 0.11,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
    },
    {
      "event_date": "2024-09-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLY",
      "exchange": "NASDAQ",
      "headline": "VLY dividend payment 0.11 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp.",
      "amount": 0.11,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
    },
    {
      "event_date": "2024-06-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLY",
      "exchange": "NASDAQ",
      "headline": "VLY dividend payment 0.11 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp.",
      "amount": 0.11,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
    },
    {
      "event_date": "2024-03-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLY",
      "exchange": "NASDAQ",
      "headline": "VLY dividend payment 0.11 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp.",
      "amount": 0.11,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
    },
    {
      "event_date": "2023-12-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLY",
      "exchange": "NASDAQ",
      "headline": "VLY dividend payment 0.11 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp.",
      "amount": 0.11,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
    },
    {
      "event_date": "2023-09-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLY",
      "exchange": "NASDAQ",
      "headline": "VLY dividend payment 0.11 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp.",
      "amount": 0.11,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
    },
    {
      "event_date": "2023-06-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "VLY",
      "exchange": "NASDAQ",
      "headline": "VLY dividend payment 0.11 USD",
      "detail": "Recorded dividend payment for Valley National Bancorp.",
      "amount": 0.11,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
    },
    {
      "event_date": "2013-12-11",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "VLY",
      "exchange": "NASDAQ",
      "headline": "Dividend decreased -32.5%",
      "detail": "Payment changed from 0.163 to 0.11.",
      "amount": 0.11,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
    },
    {
      "event_date": "2004-06-02",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "VLY",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 5.0%",
      "detail": "Payment changed from 0.145 to 0.1523.",
      "amount": 0.152289,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
    },
    {
      "event_date": "2003-06-04",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "VLY",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 5.0%",
      "detail": "Payment changed from 0.1381 to 0.145.",
      "amount": 0.145037,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
    },
    {
      "event_date": "2002-06-05",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "VLY",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 6.1%",
      "detail": "Payment changed from 0.1301 to 0.1381.",
      "amount": 0.13813,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
    },
    {
      "event_date": "2001-06-06",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "VLY",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 7.0%",
      "detail": "Payment changed from 0.1216 to 0.1301.",
      "amount": 0.13015,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
    },
    {
      "event_date": "1999-06-02",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "VLY",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 9.2%",
      "detail": "Payment changed from 0.1061 to 0.1158.",
      "amount": 0.115822,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/7acfdd3a-d2b0-43a0-9af1-6104584f0c29/"
    }
  ]
}