| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | — | — | 1 | — | — | — | — | — | — | — |
| Sell | — | — | — | — | — | — | 1 | — | 1 | — | — | — |
| total | individual payouts | |
|---|---|---|
| 2028 | ‡‡‡‡ |
|
| 2027 | ‡‡‡‡ |
|
| 2026 | 0.44 |
—
—
—
|
| 2025 | 0.44 |
—
—
—
—
|
| 2024 | 0.44 |
—
—
—
—
|
| 2023 | 0.44 |
—
—
—
—
|
| 2022 | 0.44 |
—
—
—
—
|
| 2021 | 0.44 |
—
—
—
—
|
| 2020 | 0.44 |
—
—
—
—
|
| 2019 | 0.44 |
—
—
—
—
|
| 2018 | 0.44 |
—
—
—
—
|
| 2017 | 0.44 |
—
—
—
—
|
| 2016 | 0.44 |
—
—
—
—
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 891.23 | 1,890.13 | 1,583.57 | 993.38 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 50,931.58 | 50,396.61 | 51,407.03 | 53,134.43 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 49,242.83 | 50,075.86 | 52,183.09 | 54,118.61 |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 51,444.32 | 51,436.65 | 52,986.20 | 55,380.48 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 871.56 | 903.09 | — | — |
—
|
| ’25 | 843.05 | 867.62 | 891.81 | 892.14 |
3,494.61
|
| ’24 | 890.07 | 884.68 | 921.22 | 886.03 |
3,582.00
|
| ’23 | 774.53 | 847.53 | 871.68 | 870.88 |
3,364.62
|
| ’22 | 379.73 | 511.48 | 592.92 | 699.35 |
2,183.48
|
| ’21 | 363.03 | 376.77 | 371.23 | 378.20 |
1,489.24
|
| ’20 | 405.19 | 393.36 | 386.62 | 381.59 |
1,566.75
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 209.63 | 163.54 | — | — |
—
|
| ’25 | (17.12) | 159.15 | 5.16 | 196.64 |
343.83
|
| ’24 | 99.51 | 214.00 | (157.17) | 392.20 |
548.54
|
| ’23 | (269.68) | 552.36 | 374.10 | (278.58) |
378.19
|
| ’22 | 496.00 | 309.53 | 425.07 | 197.88 |
1,428.48
|
| ’21 | 313.40 | 140.86 | 128.79 | 254.10 |
837.14
|
| ’20 | (115.98) | 106.00 | (9.54) | 183.08 |
163.56
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 209.45 | 160.21 | — | — |
—
|
| ’25 | (17.91) | 156.07 | 2.35 | 187.51 |
328.01
|
| ’24 | 98.72 | 211.39 | (159.79) | 385.27 |
535.60
|
| ’23 | (287.82) | 521.52 | 369.91 | (283.15) |
320.45
|
| ’22 | 478.95 | 298.69 | 409.86 | 182.89 |
1,370.38
|
| ’21 | 307.10 | 137.70 | 123.43 | 238.43 |
806.65
|
| ’20 | (118.86) | 102.62 | (7.85) | 182.16 |
158.07
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 0.28 | 0.29 | — | — |
—
|
| ’25 | 0.18 | 0.22 | 0.28 | 0.33 |
1.01
|
| ’24 | 0.18 | 0.13 | 0.18 | 0.20 |
0.69
|
| ’23 | 0.28 | 0.27 | 0.27 | 0.13 |
0.95
|
| ’22 | 0.27 | 0.18 | 0.34 | 0.34 |
1.14
|
| ’21 | 0.28 | 0.29 | 0.29 | 0.27 |
1.12
|
| ’20 | 0.21 | 0.23 | 0.25 | 0.25 |
0.93
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡ | ‡‡‡‡ | 10.01 | 6.39 | 6.47 | 7.48 | — | — | — |
Low Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 15.10 | 12.61 | 11.10 | 12.18 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3,826 | 3,749 | 3,732 | 3,675 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.57 | 0.90 | 0.96 | 0.95 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2,183.48 | 3,364.62 | 3,582.00 | 3,494.61 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 85.30% | 56.21% | 51.74% | 57.97% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 780.67 | 678.33 | 438.52 | 743.87 | — | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 35.75% | 20.16% | 12.24% | 21.29% | ‡‡‡ | ‡‡‡ | ‡‡‡ |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 568.85 | 498.51 | 380.27 | 597.98 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 90.10 | 81.06 | 75.44 | 59.48 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.50 | 6.63 | 6.95 | 6.24 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Revenue/Sh
|
| ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 1.14 | 0.95 | 0.70 | 1.02 | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.94 | 0.75 | 1.06 | 0.61 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.12) | (0.11) | (0.03) | (0.03) | ‡‡‡ | ‡‡‡ | ‡‡‡ |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.82 | 0.63 | 1.04 | 0.59 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 13.19 | 13.20 | 14.42 | 13.95 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 485.44 | 507.53 | 515.76 | 559.64 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 9.90 | 11.36 | 13.13 | 11.34 | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.51 | 1.63 | 1.30 | 1.87 | ‡‡‡ | ‡‡‡ | ‡‡‡ |
PS Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.89 | 0.84 | 0.66 | 0.88 | ‡‡‡ | ‡‡‡ | ‡‡‡ |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.05 | 2.15 | 1.75 | 2.34 | ‡‡‡ | ‡‡‡‡ | ‡‡‡‡ |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.86 | 22.55 | 11.71 | 24.92 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1,428.48 | 378.19 | 548.54 | 343.83 | ‡‡‡ | ‡‡‡ | ‡‡‡ |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (58.10) | (57.74) | (12.94) | (15.82) | — | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1,370.38 | 320.45 | 535.60 | 328.01 | — | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (1,482.04) | (512.74) | (1,040.04) | (1,579.17) | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2,126.82 | 2,385.48 | 3,231.61 | 2,966.38 | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1,178.87 | 1,494.26 | 1,341.49 | 1,382.82 | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 6,400.80 | 6,701.39 | 7,435.13 | 7,807.70 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.10% | 0.81% | 0.58% | 0.90% | — | — | — |
ROA
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 6.44% | 5.17% | 3.12% | 5.06% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.04% | 7.61% | 5.29% | 7.83% | — | — | — |
ROE
|
Valley National Bancorp (VLY) has transformed into a regional banking powerhouse through savvy acquisitions, most notably the 2021 Provident Bank deal that ignited a 125% revenue surge to $3.36 billion by 2023, while boosting efficiency with revenue per employee doubling to $959K. Despite 2023-2024 headwinds from the banking crisis and NIM compression—slashing net income 33% and ROE to 5.3%—VLY showed resilience with rebounding FCF per share at $1.04, a rock-solid balance sheet (equity up 11% YoY), and deeply discounted valuations: PB at 0.66x and PS at 1.30x, far below historical norms.
Insider confidence shines through with a recent director buy and zero sells, amid a stock that’s already jumped 22% past 2024 highs on recovery hopes. Analysts forecast explosive profitability: EPS leaping 81% to $1.27 by 2026 and net income doubling to $700 million, fueled by margin rebounds to 21.3% and lower rates unlocking NIM expansion to 3.5%+. Trading at a steal with 20%+ upside potential, VLY is primed for outperformance in a consolidating sector—but can it dodge CRE risks to deliver?
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