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BAP vs VLY
Which Stock Would AI Choose? Credicorp Ltd. (BAP) vs. Valley National Bancorp (VLY) Stock Comparison
Key Takeaways
- BAP has delivered superior long-term returns, with a 1-year gain of approximately 86% compared to VLY's 39%, driven by robust earnings in Latin American markets.
- Year-to-date, BAP leads with 13% gains versus VLY's modest 1%, reflecting stronger momentum in recent market activity.
- Recent weeks show volatility for both, but BAP maintains higher trading levels around $320, while VLY hovers near $12 amid U.S. regional banking pressures.
- VLY offers a higher dividend yield at 3.75% and announced a 25 million share buyback, signaling capital return focus.
- Tickeron's AI robots highlight sector trends favoring diversified financials like BAP over pure regional plays.
- Overall relative performance positions BAP with greater growth potential, though VLY provides stability in a high-interest environment.
Introduction
This stock comparison between BAP and VLY examines two financial institutions navigating distinct market dynamics. BAP, a Peruvian financial holding company with broad Latin American exposure, contrasts with VLY, a U.S. regional bank focused on commercial and retail services. Traders seeking high-growth opportunities in emerging markets may favor BAP, while those prioritizing dividend stability and U.S. exposure might eye VLY. This analysis highlights recent performance, sentiment shifts, and key contrasts to inform relative positioning in the current environment.
BAP Overview and Recent Performance
BAP, or Credicorp Ltd., operates as a financial services holding company with segments in universal banking, insurance, microfinance, and wealth management across Peru, Colombia, Bolivia, and beyond. Headquartered in Lima, it serves diverse markets with over 36,000 employees. In recent market activity, BAP has shown resilience, trading around $320-$330 after peaking near $380 earlier in 2026. Year-to-date returns stand at 13%, outpacing the S&P 500's 3%, with 1-year gains exceeding 85%. Sentiment has been buoyed by strong Q4 2025 earnings, including record net income and loan growth outlook, alongside director nominees for the 2026 AGM and digital expansions like Tenpo's neobank license in Chile. Volatility in recent weeks reflects broader emerging market fluctuations, but consistent profitability supports positive investor positioning.
VLY Overview and Recent Performance
VLY, Valley National Bancorp, is the holding company for Valley National Bank, providing commercial, retail, and wealth management services primarily in the U.S. Northeast and Florida, with 3,675 employees. Recent performance has been mixed, with shares around $11.70-$12 amid a 52-week range of $7.48-$13.87. Year-to-date up 1%, it trails the S&P but posts 39% 1-year returns. In recent weeks, the stock experienced downward pressure, declining about 12% monthly, influenced by regional banking sector headwinds like CRE exposure and net charge-offs rising to $22.6 million in Q4 2025. Positive developments include an "Outstanding" CRA rating, a new 25 million share repurchase program, quarterly dividends, and leadership enhancements for digital innovation. These factors have stabilized sentiment despite accruing past-due loans increasing to 0.28% of total.
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Head-to-Head Comparison
BAP and VLY operate in financial services but diverge in business models: BAP's diversified Latin American footprint spans banking, insurance, and microfinance, fostering growth drivers like digital neobanks and pension management, while VLY emphasizes U.S. regional commercial lending and deposits. Recent momentum favors BAP, with stronger YTD and multi-year returns amid Peruvian economic resilience, versus VLY's steadier but pressured trajectory from CRE risks and higher charge-offs. Risk factors include BAP's emerging market currency exposure contrasting VLY's interest rate sensitivity. Sector-wise, BAP benefits from broader exposure, while VLY offers a 3.75% yield. Market sentiment leans toward BAP's growth narrative over VLY's value play.
Tickeron AI Verdict
Tickeron’s AI currently favors BAP due to its superior trend consistency, higher relative returns, and positioning in growth-oriented emerging financials. Factors like strong earnings beats, diversified catalysts, and outperformance versus benchmarks suggest greater probabilistic upside, though VLY remains viable for stability-focused strategies amid U.S. rate dynamics.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full Disclaimers and Limitations.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BAP is a Hold and VLY is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
BAP’s FA Score shows that 2 FA rating(s) are green whileVLY’s FA Score has 1 green FA rating(s).
- BAP’s FA Score: 2 green, 3 red.
- VLY’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
BAP’s TA Score shows that 3 TA indicator(s) are bullish while VLY’s TA Score has 6 bullish TA indicator(s).
- BAP’s TA Score: 3 bullish, 6 bearish.
- VLY’s TA Score: 6 bullish, 4 bearish.
Price Growth
BAP (@Regional Banks) experienced а -5.00% price change this week, while VLY (@Regional Banks) price change was +3.52% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.58%. For the same industry, the average monthly price growth was +6.76%, and the average quarterly price growth was +20.92%.
Reported Earning Dates
BAP is expected to report earnings on May 14, 2026.
VLY is expected to report earnings on Apr 23, 2026.
Industries' Descriptions
@Regional Banks (+1.58% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| BAP | VLY | BAP / VLY | |
| Capitalization | 26.3B | 7.49B | 351% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 15.659 | 16.837 | 93% |
| P/E Ratio | 13.17 | 13.39 | 98% |
| Revenue | 23.3B | 2.03B | 1,150% |
| Total Cash | N/A | 376M | - |
| Total Debt | 23.5B | 3.34B | 703% |
BAP | VLY | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 73 | 29 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 72 Overvalued | 47 Fair valued | |
PROFIT vs RISK RATING 1..100 | 6 | 75 | |
SMR RATING 1..100 | 5 | 11 | |
PRICE GROWTH RATING 1..100 | 42 | 40 | |
P/E GROWTH RATING 1..100 | 34 | 50 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
VLY's Valuation (47) in the Regional Banks industry is in the same range as BAP (72). This means that VLY’s stock grew similarly to BAP’s over the last 12 months.
BAP's Profit vs Risk Rating (6) in the Regional Banks industry is significantly better than the same rating for VLY (75). This means that BAP’s stock grew significantly faster than VLY’s over the last 12 months.
BAP's SMR Rating (5) in the Regional Banks industry is in the same range as VLY (11). This means that BAP’s stock grew similarly to VLY’s over the last 12 months.
VLY's Price Growth Rating (40) in the Regional Banks industry is in the same range as BAP (42). This means that VLY’s stock grew similarly to BAP’s over the last 12 months.
BAP's P/E Growth Rating (34) in the Regional Banks industry is in the same range as VLY (50). This means that BAP’s stock grew similarly to VLY’s over the last 12 months.
| BAP | VLY | |
|---|---|---|
| RSI ODDS (%) | N/A | 3 days ago 59% |
| Stochastic ODDS (%) | 3 days ago 67% | 3 days ago 59% |
| Momentum ODDS (%) | 3 days ago 61% | 3 days ago 71% |
| MACD ODDS (%) | 3 days ago 57% | 3 days ago 66% |
| TrendWeek ODDS (%) | 3 days ago 61% | 3 days ago 64% |
| TrendMonth ODDS (%) | 3 days ago 60% | 3 days ago 63% |
| Advances ODDS (%) | 11 days ago 69% | 11 days ago 62% |
| Declines ODDS (%) | 5 days ago 61% | 21 days ago 69% |
| BollingerBands ODDS (%) | 3 days ago 50% | 3 days ago 68% |
| Aroon ODDS (%) | 3 days ago 59% | 3 days ago 58% |
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| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| EDGI | 30.54 | 0.39 | +1.28% |
| 3EDGE Dynamic International Equity ETF | |||
| XYLD | 40.30 | 0.33 | +0.83% |
| Global X S&P 500® Covered Call ETF | |||
| IFEB | 30.98 | 0.17 | +0.57% |
| Innovator Intl Dev Pwr Bffr ETF - Feb | |||
| ABXB | 19.55 | 0.06 | +0.31% |
| Abacus Flexible Bond Leaders ETF | |||
| BUCK | 23.62 | 0.03 | +0.13% |
| Simplify Treasury Option Income ETF | |||
VLY and
Correlation & Price change
A.I.dvisor indicates that over the last year, VLY has been closely correlated with FNB. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if VLY jumps, then FNB could also see price increases.
| Ticker / NAME | Correlation To VLY | 1D Price Change % | ||
|---|---|---|---|---|
| VLY | 100% | +3.28% | ||
| FNB - VLY | 87% Closely correlated | +3.10% | ||
| CFG - VLY | 86% Closely correlated | +0.06% | ||
| FULT - VLY | 85% Closely correlated | +2.57% | ||
| WTFC - VLY | 85% Closely correlated | +2.02% | ||
| ASB - VLY | 85% Closely correlated | +2.51% | ||
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