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Valley National Bancorp

VLY Financial Banks Regional

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%
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% (at or above 15%: strong)
Next Y EPS Growth 19.90% (at or above 15%: strong)
Next Y revenue growth (34.90%) (below 0%: weak)
Next 5Y EPS Growth 23.08% (at or above 15%: strong)

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.

Target Price Range

Analyst price targets

Recommendation Rating

1.4
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

Valley National Bancorp vs peers in Banks Regional (Q) = latest quarter vs a year earlier

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.

Source: company filings (standardised) and stockrow calculations.

Valley National Bancorp (VLY) Latest News

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stockrow.com/VLY · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com