Valley National Bancorp VLY R2K

Financial Services · Banks - Regional · United States

https://www.valley.com

Valley National Bancorp operates as the holding company for Valley National Bank that provides various commercial, private banking, retail, insurance, and wealth management financial services products. The company operates through Consumer Banking, Commercial Banking, and Treasury and Corporate other segments. It offers non-interest bearing, savings, NOW, money market, and time deposit accounts; commercial and industrial, commercial real estate, construction, residential mortgage, and automobile loans; loans secured by the cash surrender value of life insurance; home equity loans and lines of credit; automobile financing; and secured and unsecured other consumer loans. The company also invests in various securities and interest-bearing deposits with other banks; and provides international banking services. In addition, it offers investment services for individuals and small to medium sized businesses; and trusts investment strategies designed for various investment profiles and objectives. Further, the company provides trust services, such as living and testamentary trusts, investment management, custodial and escrow services, and estate administration to individuals; tax credit advisory services; brokerage services; property and casualty, life, health, and title insurance agency services; and health care equipment lending and other commercial equipment leasing services, as well as private banking and management services. Additionally, it offers niche financial services, including loan and deposit products for homeowners associations, cannabis-related business banking, and venture banking; online, mobile, and telephone banking services; credit cards; and automated teller machine services. Valley National Bancorp was founded in 1927 and is headquartered in Morristown, New Jersey.

Market & Price

Market Cap

$7.63B

Current Price

$13.77

High / Low (52W)

$13.77 / $8.18

Beta

1.06

Valuation

Stock P/E

12.41

Industry PE

12.01

Forward P/E

8.95

PEG Ratio

1.16

Book Value

$13.39

Price to Book

1.03

P/S

3.93

EV/EBITDA

Dividend Yield

3.20%

Profitability & Returns

ROCE

ROE

8.56%

ROA

1.04%

Profit Margin

33.79%

Op Margin

46.42%

EPS (Latest Qtr)

$0.28

EPS (TTM)

$1.11

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$3.26B

Total Assets

$64.13B

Current Assets

Working Capital

Ownership

Promoter Holding

1.03%

Chg in Prom Hold

FII / Inst Holding

90.03%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$9.87B

Total Revenue (TTM)

$1.94B

EBITDA

Free Cash Flow

Operating Cash Flow

$570.59M

Shares Outstanding

554.13M

Gross Margin

0.00%

Payout Ratio

39.64%

Growth (CAGR)

Revenue 5Y

2.85%

Profit 5Y

1.68%

Revenue (YoY)

23.80%

Earnings (YoY)

58.10%

PROS

Excellent profit margin of 33.8%.
Attractive dividend yield of 3.20%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	VLY Valley National Bancorp R2K	13.77	12.41	$7.63B	3.20%	-	8.56%	2.85%	1.68%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	478.41M	495.01M	511.11M	541.15M	540.35M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	364.65M	372.60M	380.70M	350.89M	331.20M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	139.12M	173.09M	209.96M	221.70M	209.18M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	33.06M	39.92M	46.60M	26.30M	45.27M
Net Income	31.99M	35.95M	4.67M	36.19M	39.03M	42.84M	50.09M	46.09M	50.06M	39.65M	26.10M	41.97M	72.80M	69.56M	77.10M	113.33M	76.47M	81.89M	38.10M	87.27M	95.60M	102.37M	115.71M	120.51M	122.58M	116.73M	96.41M	178.12M	146.55M	139.06M	141.35M	96.28M	70.42M	-	-	106.06M	133.17M	163.35M	195.40M	163.91M
Diluted EPS	0.14	0.15	0.01	0.14	0.15	0.16	0.19	0.17	0.18	0.14	0.09	0.12	0.21	0.20	0.22	0.33	0.22	0.24	0.10	0.21	0.23	0.25	0.28	0.29	0.29	0.27	0.18	0.34	0.28	0.27	0.27	0.18	0.13	-	-	0.18	0.22	0.28	0.33	0.28

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.86B	1.88B	1.84B	2.03B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	321.04M	1.47B	1.73B	1.47B
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	780.67M	678.33M	438.52M	743.87M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	211.82M	179.82M	58.25M	145.89M
Net Income	93.59M	116.06M	130.01M	132.51M	143.63M	131.96M	116.17M	102.96M	168.15M	161.91M	261.43M	309.79M	390.61M	-	568.85M	498.51M	380.27M	597.98M
Diluted EPS	0.64	0.61	0.73	0.74	0.73	0.66	0.56	0.42	0.63	0.58	0.75	0.87	0.93	-	1.14	0.95	0.69	1.01

Compounded Sales Growth

5 Years:	2.85%
1 Year:	23.80%

Compounded Profit Growth

5 Years:	1.68%
1 Year:	58.10%

Stock Price Performance

1 Year:	+63.44%
6 Months:	+23.93%
3 Months:	+10.22%
1 Month:	+3.46%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	14.28B	14.14B	14.25B	16.01B	16.16B	18.79B	21.61B	22.86B	24.00B	31.86B	37.44B	40.69B	-	57.46B	60.93B	62.49B	64.13B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	237.47M	580.51M	661.34M	366.29M	379.05M	853.10M	369.17M	830.41M	413.80M	392.50M	416.11M	428.63M	-	-	-	947.95M	891.23M	1.89B	1.58B
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	196.61M	245.50M	239.94M	243.90M
Total Liabilities	-	-	13.03B	12.85B	13.00B	14.51B	14.62B	16.93B	19.41B	20.49B	21.47B	28.51B	33.05B	36.09B	-	51.06B	54.23B	55.06B	56.33B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	2.95B	2.93B	2.73B	2.70B	2.79B	2.53B	1.81B	1.43B	2.32B	1.65B	-	-	-	1.60B	2.39B	3.23B	2.97B
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.98B	3.64B	3.62B	3.34B
Total Equity	949.06M	1.36B	1.24B	1.28B	1.25B	1.50B	1.54B	1.86B	2.21B	2.38B	2.53B	3.35B	4.38B	4.59B	-	6.40B	6.70B	7.44B	7.81B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	507.90M	507.90M	558.79M	560.88M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	935.37M	104.55M	279.01M	191.34M	323.31M	285.36M	183.98M	154.93M	419.18M	619.23M	303.96M	261.92M	163.56M	837.14M	1.43B	378.19M	548.54M	343.83M
Investing Cash Flow	-1.31B	428.80M	429.18M	-192.84M	183.71M	-786.03M	-511.57M	-1.70B	-1.53B	-1.55B	-2.84B	-897.32M	-2.04B	-1.08B	-6.79B	-3.35B	-709.28M	-2.16B
Financing Cash Flow	714.13M	-452.53M	-1.00B	14.27M	-32.97M	16.73M	788.83M	1.13B	1.09B	951.93M	2.55B	641.45M	2.77B	964.35M	4.26B	2.91B	1.16B	1.51B
Capital Expenditure	-29.88M	-25.28M	-14.60M	-16.40M	-22.73M	-14.85M	-21.86M	-34.04M	-20.71M	-18.12M	-26.44M	-23.38M	-24.61M	-39.43M	-	-	-	-
Free Cash Flow	905.49M	79.27M	264.42M	174.94M	300.58M	270.51M	162.11M	120.89M	398.47M	601.11M	277.52M	238.55M	138.95M	797.71M	1.43B	378.19M	548.54M	343.83M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-1.10B	-56.72M	998.90M	-306.56M
Share Buybacks	-	-	-	-	-	768.00K	1.69M	2.11M	3.19M	2.65M	3.80M	1.80M	5.37M	23.91M	24.12M	2.09M	0	63.00M

Ratios (Annual)

Figures in %.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	30.6%	26.5%	20.6%	29.5%
ROE %	6.9%	9.3%	10.1%	10.6%	9.6%	8.6%	6.2%	4.7%	7.1%	6.4%	7.8%	7.1%	8.5%	-	8.9%	7.4%	5.1%	7.7%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

1.03%

Institutions

90.03%

Public Float

90.97%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	21.28%	70.66M	$973.02M
2	Dimensional Fund Advisors LP	8.96%	29.74M	$409.58M
3	Vanguard Portfolio Management LLC	7.53%	25.00M	$344.26M
4	State Street Corporation	7.03%	23.33M	$321.19M
5	Vanguard Capital Management LLC	6.40%	21.25M	$292.65M
6	Wellington Management Group, LLP	4.67%	15.52M	$213.64M
7	Geode Capital Management, LLC	4.41%	14.65M	$201.70M
8	Nomura Asset Management International Inc	3.75%	12.46M	$171.54M
9	AQR Capital Management, LLC	3.10%	10.29M	$141.73M
10	Azora Capital Lp	2.70%	8.95M	$123.22M

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