Is VLY or WAFD more undervalued in 2026?

CirclFi compares Valley National Bancorp (VLY) and WaFd, Inc. (WAFD) using 13 institutional-grade valuation models. VLY has a Quality of Company score of 7.5/10 while WAFD scores 8.1/10.

Which is a better buy — VLY or WAFD?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do VLY and WAFD valuations compare?

VLY at $13.72 and WAFD at $35.59 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

VLY vs WAFD Valuation Comparison 2026 — Intrinsic Value Analysis

VLY

Banks - Regional

Valley National Bancorp

Quality

7.5

out of 10

Value Trap

SAFE

Price

$13.72

Last close

Models

12/13

Active

WAFD

Banks - Regional

WaFd, Inc.

Quality

8.1

out of 10

Value Trap

—

Price

$35.59

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	VLY Fair Value	VLY Upside	WAFD Fair Value	WAFD Upside
Bayesian DCF	Intrinsic	$3.17	-76.9%	$17.34	-51.3%
Earnings Power Value	Intrinsic	$11.32	-17.5%	$35.77	+0.5%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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VLY vs WAFD — Which Stock Is More Undervalued?

WAFD scores higher with a 8.1/10 quality rating vs VLY's 7.5/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Valley National Bancorp (VLY) and WaFd, Inc. (WAFD) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

VLY currently trades at $13.72 with a QOC of 7.5/10, while WAFD trades at $35.59 with a QOC of 8.1/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).