Valley National Bancorp (VLY)
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.
- Symbol
- VLY
- Exchange
- Nasdaq
- Sector
- Financial Services
- Industry
- Banks - Regional
- Market cap
- $7.27B
- 52 week range
- 9.64 - 15.2
Valuation
- Share price
- $12.87 (close of 2026-09-23)
- P/E (TTM)
- 11.03x
- Price to book
- 0.92x
- Price to free cash flow
- 13.01x
- Enterprise value
- $9.69B
- Book value per share
- $14.30
Price performance
| Period | Change |
|---|
| 1 day | -3.96% |
| 5 days | -6.74% |
| 1 month | -9.11% |
| 3 months | -10.50% |
| 6 months | +7.25% |
| Year to date | +10.19% |
| 1 year | +19.06% |
| 3 years | +53.40% |
| 5 years | -0.23% |
| 10 years | +33.92% |
| All time | +293.58% |
Profitability and growth
- Return on equity
- 7.66%
- Return on assets
- 0.93%
- Net margin
- 18.50%
- EBITDA margin
- 69.64%
- Revenue growth
- -3.72%
- Net income growth
- 57.25%
- Free cash flow growth
- -38.82%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 7.68%
- Net debt to EBITDA
- 1.07x
Latest reported year
- Period end
- 2025-12-31
- Fiscal year
- 2025
- Revenue
- $3.23B
- EBITDA
- $2.25B
- Net income
- $597.98M
- Earnings per share
- $1.02
- Interest expense
- $1.47B
- Shares outstanding
- 559.64M
Income statement by year
| Period end | Revenue | Net income | EPS |
|---|
| 2025-12-31 | $3.23B | $597.98M | $1.02 |
| 2024-12-31 | $3.36B | $380.27M | $0.70 |
| 2023-12-31 | $3.14B | $498.51M | $0.95 |
| 2022-12-31 | $1.98B | $568.85M | $1.14 |
| 2021-12-31 | $1.33B | $473.84M | $1.13 |
| 2020-12-31 | $1.38B | $390.61M | $0.94 |
| 2019-12-31 | $1.32B | $309.79M | $0.88 |
| 2018-12-31 | $1.16B | $261.43M | $0.75 |
| 2017-12-31 | $834.15M | $161.91M | $0.58 |
| 2016-12-31 | $761.89M | $168.15M | $0.63 |
Margins and returns by year
| Period end | Net margin | Return on equity |
|---|
| 2025-12-31 | 18.50% | 7.66% |
| 2024-12-31 | 11.33% | 5.11% |
| 2023-12-31 | 15.88% | 7.44% |
| 2022-12-31 | 28.78% | 8.89% |
| 2021-12-31 | 35.51% | 9.32% |
| 2020-12-31 | 28.23% | 8.51% |
| 2019-12-31 | 23.45% | 7.07% |
| 2018-12-31 | 22.55% | 7.80% |
| 2017-12-31 | 19.41% | 6.39% |
| 2016-12-31 | 22.07% | 7.07% |
Cash and debt by year
| Period end | Cash | Debt |
|---|
| 2025-12-31 | $1.58B | - |
| 2024-12-31 | $1.89B | - |
| 2023-12-31 | $891.23M | - |
| 2022-12-31 | $947.95M | - |
| 2021-12-31 | $2.05B | - |
| 2020-12-31 | $1.33B | - |
| 2019-12-31 | $434.69M | - |
| 2018-12-31 | $428.63M | $1.65B |
| 2017-12-31 | $416.11M | $2.32B |
| 2016-12-31 | $392.50M | $1.43B |
Free cash flow by year
| Period end | Free cash flow | Stock-based compensation |
|---|
| 2025-12-31 | $325.73M | $27.28M |
| 2024-12-31 | $532.40M | $28.99M |
| 2023-12-31 | $302.15M | $33.10M |
| 2022-12-31 | $1.36B | $28.79M |
| 2021-12-31 | $797.71M | $20.89M |
| 2020-12-31 | $138.95M | $16.15M |
| 2019-12-31 | $238.55M | $14.73M |
| 2018-12-31 | $277.52M | $19.47M |
| 2017-12-31 | $601.11M | $12.20M |
| 2016-12-31 | $398.47M | $10.03M |
Dividend history
- Most recent payment
- 2026-09-15
- Paid in the last twelve months
- $0.44
| Payment date | Dividend per share |
|---|
| 2026-09-15 | $0.11 |
| 2026-06-15 | $0.11 |
| 2026-03-13 | $0.11 |
| 2025-12-15 | $0.11 |
| 2025-09-15 | $0.11 |
| 2025-06-13 | $0.11 |
| 2025-03-14 | $0.11 |
| 2024-12-13 | $0.11 |
Investor relations
Next earnings report
- Next confirmed report
- 2026-10-22
- Consensus EPS estimate
- $0.33
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|
| 2026-07-23 | Jun/2026 | $0.31 |
| 2026-04-23 | - | - |
| 2026-01-29 | - | - |
| 2025-10-23 | - | - |
| 2025-07-24 | - | - |
| 2025-04-24 | - | - |
| 2025-01-23 | - | - |
| 2024-10-24 | - | - |
Filings and sources
- Company website
- valley.com
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
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