Saturday 17 October 2026 Export VLY’s income statement to Excel — free account

Valley National Bancorp

Valley National Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $3.5 billion, down 2.44% from fiscal 2024. In the quarter to June 2026, revenue grew 4.09%, EPS grew 30.4%, free cash flow grew 2.65% and total debt fell 9.98%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.

12.68 0.07 −0.55%

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Market cap: $7.1B
P/E: 10.6×
Fwd P/E: 10.8×
Dividend yield: 3.47%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.03

Total sells 1.60

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	1	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	1	—	1	—	—	—	—

Insider Ownership 14.53%

Capital & Financial Ratios $m

Market Cap 7,050.00

Revenue 3,558.59

Net Income 693.56

Free Cash Flow 559.51

Net Debt 1,671.82

Current Ratio 0.96

Debt/Equity 0.34

P/E ratio 10.57

Fwd P/E 10.80

P/S ratio 1.97

P/B ratio 0.93

Past 5Y EPS Growth 1.66%

This Y EPS Growth 28.87%

Next Y EPS Growth 19.90%

Next Y revenue growth (34.90%)

Next 5Y EPS Growth 23.08%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 22.15%

10-year low 10-year high

P/S against its own 10 years 30.93%

10-year low 10-year high

P/B against its own 10 years 39.37%

10-year low 10-year high

Dividends

Payout Ratio 0.37

Annual Dividend Rate 0.44

Annual Dividend Yield 3.47%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.44	0.11 0.11 0.11
2025	0.44	0.11 0.11 0.11 0.11
2024	0.44	0.11 0.11 0.11 0.11
2023	0.44	0.11 0.11 0.11 0.11
2022	0.44	0.11 0.11 0.11 0.11
2021	0.44	0.11 0.11 0.11 0.11
2020	0.44	0.11 0.11 0.11 0.11
2019	0.44	0.11 0.11 0.11 0.11
2018	0.44	0.11 0.11 0.11 0.11
2017	0.44	0.11 0.11 0.11 0.11
2016	0.44	0.11 0.11 0.11 0.11

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	891	1,890	1,584	993
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	50,932	50,397	51,407	53,134

	2023	2024	2025	Q'26
Payables	49,243	50,076	52,183	54,119
ST’ Debt	—	—	—	—
Other	—	—	—	—
	51,444	51,437	52,986	55,380

Compound Annual Growth %

	10y	5y	3y
Sales	16.02%	17.40%	16.97%
Cash Flow	8.30%	16.02%	(37.80%)
Earnings	19.09%	8.53%	0.79%
Book Value	13.47%	11.20%	6.85%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	872	903	—	—	—
’25	843	868	892	892	3,495
’24	890	885	921	886	3,582
’23	775	848	872	871	3,365
’22	380	511	593	699	2,183
’21	363	377	371	378	1,489
’20	405	393	387	382	1,567

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	210	164	—	—	—
’25	(17)	159	5	197	344
’24	100	214	(157)	392	549
’23	(270)	552	374	(279)	378
’22	496	310	425	198	1,428
’21	313	141	129	254	837
’20	(116)	106	(10)	183	164

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	209	160	—	—	—
’25	(18)	156	2	188	328
’24	99	211	(160)	385	536
’23	(288)	522	370	(283)	320
’22	479	299	410	183	1,370
’21	307	138	123	238	807
’20	(119)	103	(8)	182	158

Fiscal quarters ending in the months shown.

EPS $

	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

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	8.31	10.61	8.42	8.72	6.00	9.53	10.01	6.39	6.47	7.48	Analyst estimates 2026–2028 Powerpack
	High	12.14	12.82	13.38	12.14	11.54	14.85	15.10	12.61	11.10	12.18
People
People	Employees	2,828	2,842	3,192	3,174	3,155	3,370	3,826	3,749	3,732	3,675
	Revenue/emp, $m	0.31	0.33	0.41	0.48	0.50	0.44	0.57	0.90	0.96	0.95
Income, $m
Income, $m	Revenue	870	946	1,293	1,536	1,567	1,489	2,183	3,365	3,582	3,495
	Gross margin, %	82.90	81.59	76.65	72.46	83.10	91.65	85.30	56.21	51.74	57.97
	EBT	233	253	330	457	530	641	781	678	439	744
	EBT margin, %	26.82	26.72	25.49	29.75	33.83	43.02	35.75	20.16	12.24	21.29
	Net income	168	162	261	310	391	474	569	499	380	598
	Depreciation	60	81	84	101	121	81	90	81	75	59
Per share, $
Per share, $	Revenue	3.41	3.58	3.90	4.55	3.88	3.66	4.50	6.63	6.95	6.24
	Earnings	0.63	0.58	0.75	0.88	0.94	1.13	1.14	0.95	0.70	1.02
	Cash flow	1.64	2.35	0.92	0.78	0.41	2.05	2.94	0.75	1.06	0.61
	Capex	0.00	(0.03)	(0.06)	0.25	(0.01)	(0.07)	(0.12)	(0.11)	(0.03)	(0.03)
	Free cash flow	1.64	2.31	0.86	1.03	0.39	1.98	2.82	0.63	1.04	0.59
	Book value	9.33	9.59	10.11	12.98	11.37	12.48	13.19	13.20	14.42	13.95
	Shares, m	255	264	331	338	404	407	485	508	516	560
Valuation, ×
Valuation, ×	P/E	18.25	19.40	11.84	12.87	10.37	12.17	9.90	11.36	13.13	11.34
	P/S	3.42	3.14	2.27	2.52	2.51	3.76	2.51	1.63	1.30	1.87
	P/B	1.31	1.28	0.94	0.93	0.90	1.15	0.89	0.84	0.66	0.88
	EV/Sales	4.67	5.19	3.27	3.65	3.17	3.38	2.81	2.07	1.68	2.27
	EV/FCF	9.69	8.05	14.80	16.14	31.37	6.24	4.48	21.75	11.23	24.14
Cash, $m
Cash, $m	Operating cash flow	419	619	304	262	164	837	1,428	378	549	344
	Capex	0	(9)	(19)	86	(5)	(30)	(58)	(58)	(13)	(16)
	Free cash flow	419	610	285	348	158	807	1,370	320	536	328
Balance, $m
Balance, $m	Working capital	(1,373)	(396)	(1,357)	(410)	148	(518)	(1,482)	(513)	(1,040)	(1,579)
	Total debt	1,475	2,358	1,710	2,178	2,352	1,480	1,600	2,385	3,232	2,966
	Net debt	1,083	1,941	1,281	1,743	1,023	(570)	652	1,494	1,341	1,383
	Shareholders’ equity	2,377	2,533	3,350	4,384	4,592	5,084	6,401	6,701	7,435	7,808
Returns, %
Returns, %	ROA	0.72	0.65	0.89	0.86	0.97	1.10	1.10	0.81	0.58	0.90
	ROIC	4.22	3.53	4.45	4.66	5.90	8.87	6.92	5.17	3.12	5.06
	ROE	7.38	6.64	9.10	8.12	8.83	9.96	10.04	7.61	5.29	7.83

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
PB Prosperity Bancshares, Inc.	$8.1B	11.7×	12.3×	+19.38% (above 0%: growing)	+17.61% (above 0%: growing)	+70.11% (above 0%: growing)	75.21%	0.00%	Compare
WAL Western Alliance Bancorporation	$8.1B	8.4×	8.3×	+9.83% (above 0%: growing)	+13.46% (above 0%: growing)	+0.90% (above 0%: growing)	69.60%	0.00%	Compare
COLB Columbia Banking System, Inc.	$8.1B	11.3×	10.0×	+22.18% (above 0%: growing)	0.00%	+238.82% (above 0%: growing)	75.39%	0.00%	Compare
CBSH Commerce Bancshares, Inc.	$8.0B	13.5×	13.0×	+12.33% (above 0%: growing)	−3.51% (below 0%: shrinking)	+68.33% (above 0%: growing)	84.73%	0.00%	Compare
CBC Central Bancompany	$8.0B	18.4×	14.9×	+10.36% (above 0%: growing)	+9.05% (above 0%: growing)	−5.17% (below 0%: shrinking)	85.56%	0.00%	Compare
BOKF BOK Financial Corporation	$7.6B	11.8×	12.5×	+3.20% (above 0%: growing)	+33.33% (above 0%: growing)	+1,441.49% (above 0%: growing)	67.23%	0.00%	Compare
VLY Valley National Bancorp	$7.1B	10.6×	10.8×	+4.09% (above 0%: growing)	+30.43% (above 0%: growing)	+2.65% (above 0%: growing)	62.09%	0.00%
UBSI United Bankshares, Inc.	$6.4B	12.7×	12.1×	+0.89% (above 0%: growing)	+11.76% (above 0%: growing)	+14.62% (above 0%: growing)	70.90%	0.00%	Compare
IFS Intercorp Financial Services Inc.	$6.3B	15.9×	— (loss-making)	+18.27% (above 0%: growing)	+106.49% (above 0%: growing)	+720.11% (above 0%: growing)	75.55%	0.00%	Compare
Median of peers	$8.0B	12.2×	12.3×	+11.35%	+12.61%	+69.22%	75.30%	0.00%

All 323 Banks Regional stocks →

Valley National Bancorp (VLY) key facts

Concern: Valley National Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $3.5 billion, down 2.44% from fiscal 2024.
Strength: Net income was $598.0 million, or $1.02 per share (basic), a net margin of 16.3%.
Valley National Bancorp (VLY) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, VLY traded at $12.68, a market capitalization of $7.1 billion.
At that price the stock trades at 10.6× trailing-twelve-month earnings and 2.0× sales; its P/E is higher than 22% of its own readings over the past ten years.
Valley National Bancorp pays an annual dividend of $0.44 per share, a yield of 3.47%, with a payout ratio of 37.3%.
Return on equity was 7.83% and debt-to-equity 0.34.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.