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Valley National Bancorp

VLY NASDAQ Categories PDF
Financial Services · Banks - Regional
New York City, NY 10119, United States IPO 1990 valley.com Updated Jun 26, 9:06pm
Price
$14.72
Market Cap
$8.2B
Employees
3,732
Beta
1.06
Avg Volume
7,924,042
CEO
Ira D. Robbins
Business Description

Valley National Bancorp, the holding company for Valley National Bank, delivers an extensive array of financial services encompassing commercial, retail, insurance, and wealth management. Its operations are organized into three core segments: Commercial Lending, Consumer Lending, and Investment Management. The institution accepts a variety of deposits, including non-interest-bearing, savings, NOW, money market, and time accounts. Its diverse lending portfolio features commercial and industrial loans, commercial and residential real estate mortgages, automobile financing, and loans backed by the cash surrender value of life insurance. Valley National also provides home equity loans and credit lines, as well as other secured and unsecured consumer loans. The company strategically invests in various securities and interest-bearing deposits with other banks. For international clients, it offers services like standby and documentary letters of credit, foreign exchange transactions, documentary collections, international wire transfers, and transaction accounts for non-resident aliens. Furthermore, the company furnishes investment services for individuals and small to medium-sized businesses, alongside trusts and custom-tailored investment strategies for a range of retirement plans. Its comprehensive trust offerings include living and testamentary trusts, investment management, custodial and escrow services, and estate administration. Additional services comprise tax credit advisory, a full spectrum of insurance agency services (property, casualty, life, health, and title), healthcare equipment lending, other commercial equipment leasing, and real estate-related investments. Customers benefit from modern conveniences such as online, mobile, and telephone banking, overdraft protection, drive-in and night deposit options, ATMs, remote deposit capture, and safe deposit boxes. As of December 31, 2021, Valley National Bancorp operated 232 branch locations across New Jersey, New York, Florida, and Alabama. The company was founded in 1927 and maintains its headquarters in New York, New York.

Business History
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Last updated: Jun 21, 2026 6:52pm (5d ago)
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
Period Revenue Net Income Net Margin YoY/QoQ
Key Metrics
API Direct from provider CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
CALC
Stock Price / EPS (Diluted)
14.43
Stock Price: $14.72
EPS (Diluted): 1.02
P/B Ratio (Price vs net asset value)
API
Stock Price / Book Value Per Share
0.84
Stock Price: $14.72
Total Equity: $7.81B
Shares: 563,832,550
EV/EBITDA (Total value vs operating profit)
API
Enterprise Value / EBITDA
11.88
Market Cap: $8.16B
Total Debt: $3.11B
Cash: $315.17M
EBITDA: $812.59M
Enterprise Value (Takeover price (cap + debt - cash))
API
Market Cap + Total Debt - Cash
$9.7B
Market Cap: $8.16B
Total Debt: $3.11B
Cash: $315.17M
Gross Margin (Revenue left after direct costs)
API
Gross Profit / Revenue
53.9%
Gross Profit: $1.88B
Revenue: $3.49B
Operating Margin (Revenue left after all operations)
API
Operating Income / Revenue
21.3%
Operating Income: $743.87M
Revenue: $3.49B
Net Margin (Revenue left as actual profit)
API
Net Income / Revenue
17.1%
Net Income: $597.98M
Revenue: $3.49B
ROE (Profit from shareholder equity)
CALC
Net Income / Total Equity
7.7%
Net Income: $597.98M
Total Equity: $7.81B
ROIC (Profit from all invested capital)
CALC
NOPAT / Invested Capital
5.6%
Operating Income: $743.87M
Tax Rate: 19.6%
Equity: $7.81B
Total Debt: $3.11B
Cash: $315.17M
Current Ratio (Can it pay short-term bills)
API
Current Assets / Current Liabilities
0.75
Current Assets: $559.06M
Current Liabilities: $749.26M
Debt/Equity (Leverage — debt vs equity)
CALC
Total Debt / Total Equity
0.40
Short-Term Debt: $749.26M
Long-Term Debt: $2.36B
Total Debt: $3.11B
Total Equity: $7.81B
Rev/Share (Top-line per share)
CALC
Revenue / Shares Outstanding
$6.19
Revenue: $3.49B
Shares: 563,832,550
Book Value/Share (Net assets per share)
CALC
(Total Assets - Total Liabilities) / Shares
$13.85
Total Equity: $7.81B
Shares: 563,832,550
FCF/Share (Real cash generated per share)
CALC
(Operating Cash Flow + CapEx) / Shares
$0.61
Operating CF: $343.83M
CapEx: $0.00
Shares: 563,832,550
Div Yield (Annual income from holding)
API
Last Annual Dividend / Stock Price
4.3%
Last Dividend: N/A
Stock Price: $14.72
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $597.98M
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares VLY against LLM-researched typical ranges for its industry. One research call per industry, cached indefinitely — every stock in the same industry reuses the same baseline.
Deep Analysis

Pre-flight intelligence scans the company first, then routes to the right analytical methods.

0 Company Classification — What type of company is this?
1 Industry Landscape — Where is the industry headed?
2 Company Momentum — Where is this company trending?
3 Forward Projection — 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a DCF Valuation — Present value of future cash flows
4b Earnings Power Value — Floor value — worth with zero growth
4c Anchored PE — Industry PE adjusted for growth differential
4d Reverse DCF — What growth is the market pricing in?
4e Revenue-Based DCF — For growth/narrative companies (skip if mature earner)
4f Anchored P/S — Price-to-Sales peer comparison (skip if mature earner)
4g Scenario Analysis — Bull / Base / Bear (skip if mature earner)
4h Dividend Discount Model — For dividend/income stocks only
4i Book Value Analysis — For deep value / turnaround stocks only
4j Insider Activity — Are insiders buying or selling?
4f Cash Flow Quality — How trustworthy is the FCF?
4g Debt Maturity Risk — Can it handle its debt?
4h Macro Environment — Rates, market valuation, volatility
4i Sector Intelligence — How does this company compare within its sector?
4j Revenue Confidence — How reliable is the growth projection?
4k Sensitivity Analysis — How fragile is the fair value estimate?
4l Sector Demand Cycle — Is the sector in a boom, steady state, or contraction?
5 AI Investigation — Adaptive research engine (Claude)
5b Thesis Evaluation — What does the market believe? (narrative/platform stocks only)
6 Valuation Synthesis — Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jun 21, 2026 6:52pm (5d ago)
Metric 2021 2022 2023 2024 2025
Revenue $1.5B $2.2B $3.4B $3.6B $3.5B
Cost of Revenue $157.2M $377.4M $1.5B $2.0B $1.6B
Gross Profit $1.3B $1.8B $1.8B $1.5B $1.9B
Operating Expenses $691.5M $1.0B $1.2B $1.1B $1.1B
Operating Income $640.7M $780.7M $678.3M $438.5M $743.9M
Net Income $473.8M $568.9M $498.5M $380.3M $598.0M
EBITDA $691.7M $860.1M $761.5M $517.4M $812.6M
EPS $1.13 $1.14 $0.95 $0.70 $1.02
EPS (Diluted) — — — — —
Balance Sheet (Annual)
Last updated: Jun 21, 2026 6:52pm (5d ago)
Metric 2021 2022 2023 2024 2025
Cash & Equivalents $2.0B $947.9M $891.2M $1.9B $315.2M
Total Current Assets $3.3B $2.4B $2.4B $2.4B $559.1M
Total Assets $43.4B $57.5B $60.9B $62.5B $64.3B
Current Liabilities $36.6B $49.1B $51.4B $50.1B $749.3M
Long-Term Debt $1.5B $1.6B $2.4B $3.2B $2.4B
Total Liabilities $38.4B $51.1B $54.2B $55.1B $56.5B
Total Equity $5.1B $6.4B $6.7B $7.4B $7.8B
Retained Earnings $883.6M $1.2B $1.5B $1.6B $1.9B
Cash Flow (Annual)
Last updated: Jun 21, 2026 6:52pm (5d ago)
Metric 2021 2022 2023 2024 2025
Operating Cash Flow $837.1M $1.4B $378.2M $548.5M $343.8M
Capital Expenditure $0 $0 $0 $0 $0
Free Cash Flow $837.1M $1.4B $378.2M $548.5M $343.8M
Acquisitions (net) $321.6M $321.5M $0 $98.1M $0
Debt Repayment — — — — —
Dividends Paid — — — — —
Stock Buybacks -$23.9M -$24.1M -$11.5M -$8.9M -$72.8M
Net Change in Cash $720.7M -$1.1B -$56.7M $998.9M -$306.6M
Analyst Estimates (Annual)
Last updated: Jun 26, 2026 9:06pm (13h ago)
Metric 2025 2026 2027 2028
Revenue $2.0B
$2.0B – $2.0B
 $2.3B
$2.3B – $2.3B
 $2.5B
$2.5B – $2.5B
 $2.7B
$2.7B – $2.7B
EBITDA $588.7M
$581.8M – $591.6M
 $665.4M
$659.5M – $668.3M
 $731.6M
$725.7M – $737.5M
 $780.3M
$780.3M – $780.3M
Net Income $541.4M
$530.1M – $552.7M
 $709.5M
$707.3M – $735.4M
 $870.5M
$850.5M – $890.5M
 $1.0B
$1.0B – $1.1B
EPS — — — —
Growth Trends (YoY %)
Last updated: Jun 21, 2026 6:52pm (5d ago)
Metric 2022 2023 2024 2025
Revenue Growth +46.6% +53.6% +6.5% -2.2%
Gross Profit Growth +35.5% +1.6% -16.4% +22.9%
Operating Income Growth +21.8% -13.1% -35.4% +69.6%
Net Income Growth +20.1% -12.4% -23.7% +57.3%
EBITDA Growth +24.3% -11.5% -32.1% +57.1%
Dividend History (Last 20)
Last updated: Jun 21, 2026 6:52pm (5d ago)
Date Dividend Declaration Record Payment
2026-06-15 $0.11 2026-05-18 2026-06-15 2026-07-01
2026-03-13 $0.11 2026-02-24 2026-03-13 2026-04-01
2025-12-15 $0.11 2025-10-21 2025-12-15 2026-01-02
2025-09-15 $0.11 2025-07-22 2025-09-15 2025-10-01
2025-06-13 $0.11 2025-05-20 2025-06-13 2025-07-01
2025-03-14 $0.11 2025-02-19 2025-03-14 2025-04-01
2024-12-13 $0.11 2024-11-18 2024-12-13 2025-01-02
2024-09-13 $0.11 2024-08-20 2024-09-13 2024-10-01
2024-06-13 $0.11 2024-05-30 2024-06-13 2024-07-02
2024-03-13 $0.11 2024-02-21 2024-03-14 2024-04-02
2023-12-13 $0.11 2023-12-06 2023-12-14 2024-01-03
2023-09-13 $0.11 2023-08-14 2023-09-14 2023-10-02
2023-06-14 $0.11 2023-05-23 2023-06-15 2023-07-03
2023-03-14 $0.11 2023-03-03 2023-03-15 2023-04-03
2022-12-14 $0.11 2022-11-14 2022-12-15 2023-01-03
2022-09-14 $0.11 2022-08-16 2022-09-15 2022-10-03
2022-06-14 $0.11 2022-05-17 2022-06-15 2022-07-01
2022-03-14 $0.11 2022-03-02 2022-03-15 2022-04-01
2021-12-14 $0.11 2021-12-03 2021-12-15 2022-01-03
2021-09-14 $0.11 2021-08-18 2021-09-15 2021-10-01
Narrative Economics
The story the market is telling about this stock — the intangible X-factor (founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for VLY — it's generated by the pipeline (market-narrative step).
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.352 · d1100787 · 2026-06-26 11:39:30