What is Valley Natl Bancorp's earnings per share (EPS)?

Valley Natl Bancorp (VLY) reported diluted earnings per share of $1.01 for fiscal year 2025. This represents a 46.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Valley Natl Bancorp Financials

VLY

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Valley Natl Bancorp (VLY) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 26/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Valley Natl Bancorp's revenue declined 3.7% year-over-year, from $3.4B to $3.2B. This contraction results in a growth score of 27/100.

Leverage

Valley Natl Bancorp has elevated debt relative to equity (D/E of 7.21), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Valley Natl Bancorp has a free cash flow margin of 10.1%, earning a moderate score of 50/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Valley Natl Bancorp generates a 7.7% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 28/100. This is up from 5.1% the prior year.

Piotroski F-Score Weak

3/9

Valley Natl Bancorp passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Mixed

0.57x

For every $1 of reported earnings, Valley Natl Bancorp generates $0.57 in operating cash flow ($343.8M OCF vs $598.0M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$3.2B

YoY-3.7%

5Y CAGR+18.5%

10Y CAGR+16.4%

Valley Natl Bancorp generated $3.2B in revenue in fiscal year 2025. This represents a decrease of 3.7% from the prior year.

EBITDA

N/A

Net Income

$598.0M

YoY+57.3%

5Y CAGR+8.9%

10Y CAGR+19.2%

Valley Natl Bancorp reported $598.0M in net income in fiscal year 2025. This represents an increase of 57.3% from the prior year.

EPS (Diluted)

$1.01

YoY+46.4%

5Y CAGR+1.7%

10Y CAGR+9.2%

Valley Natl Bancorp earned $1.01 per diluted share (EPS) in fiscal year 2025. This represents an increase of 46.4% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$325.7M

YoY-38.8%

5Y CAGR+18.6%

10Y CAGR+10.4%

Valley Natl Bancorp generated $325.7M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 38.8% from the prior year.

Cash & Debt

$1.6B

YoY-16.2%

5Y CAGR+3.6%

10Y CAGR+14.4%

Valley Natl Bancorp held $1.6B in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.44

YoY+0.0%

5Y CAGR+0.0%

10Y CAGR+0.0%

Valley Natl Bancorp paid $0.44 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

18.5%

YoY+7.2pp

5Y CAGR-9.7pp

10Y CAGR+3.9pp

Valley Natl Bancorp's net profit margin was 18.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 7.2 percentage points from the prior year.

Return on Equity

7.7%

YoY+2.6pp

5Y CAGR-0.8pp

10Y CAGR+3.0pp

Valley Natl Bancorp's ROE was 7.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.6 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$63.0M

5Y CAGR+63.6%

10Y CAGR+40.5%

Valley Natl Bancorp spent $63.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$18.1M

YoY+12.1%

5Y CAGR-6.0%

10Y CAGR-6.1%

Valley Natl Bancorp invested $18.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 12.1% from the prior year.

VLY Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$3.2B-3.7%	$3.4B+7.0%	$3.1B+58.8%	$2.0B+48.2%	$1.3B-3.6%	$1.4B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.5B-15.0%	$1.7B+17.3%	$1.5B+358.9%	$321.0M+158.2%	$124.3M-53.1%	$264.8M
Income Tax	$145.9M+150.5%	$58.2M-67.6%	$179.8M-15.1%	$211.8M+26.9%	$166.9M+19.7%	$139.5M
Net Income	$598.0M+57.3%	$380.3M-23.7%	$498.5M-12.4%	$568.9M+20.1%	$473.8M+21.3%	$390.6M
EPS (Diluted)	$1.01+46.4%	$0.69-27.4%	$0.95-16.7%	$1.14+1.8%	$1.12+20.4%	$0.93

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$815.8M-1.3%	$826.9M+2.7%	$805.0M+2.6%	$784.8M-6.0%	$834.8M-3.0%	$860.5M+3.2%	$833.5M+0.6%	$828.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$350.9M-7.8%	$380.7M+2.2%	$372.6M+2.2%	$364.6M-11.5%	$411.8M-8.5%	$450.1M+4.2%	$431.8M-0.8%	$435.1M
Income Tax	$26.3M-43.6%	$46.6M+16.7%	$39.9M+20.8%	$33.1M+224.1%	-$26.6M-192.5%	$28.8M+25.8%	$22.9M-30.9%	$33.2M
Net Income	$195.4M+19.6%	$163.4M+22.7%	$133.2M+25.6%	$106.1M-8.3%	$115.7M+18.2%	$97.9M+39.0%	$70.4M-26.9%	$96.3M
EPS (Diluted)	N/A	$0.28+27.3%	$0.22+22.2%	$0.18	N/A	$0.18+38.5%	$0.13-27.8%	$0.18

VLY Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$64.1B+2.6%	$62.5B+2.6%	$60.9B+6.0%	$57.5B+32.3%	$43.4B+6.8%	$40.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.6B-16.2%	$1.9B+112.1%	$891.2M-6.0%	$947.9M-53.8%	$2.0B+54.2%	$1.3B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.9B0.0%	$1.9B0.0%	$1.9B0.0%	$1.9B+28.1%	$1.5B+5.5%	$1.4B
Total Liabilities	$56.3B+2.3%	$55.1B+1.5%	$54.2B+6.2%	$51.1B+33.1%	$38.4B+6.3%	$36.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$7.8B+5.0%	$7.4B+10.9%	$6.7B+4.7%	$6.4B+25.9%	$5.1B+10.7%	$4.6B
Retained Earnings	$1.9B+19.7%	$1.6B+8.6%	$1.5B+20.8%	$1.2B+37.9%	$883.6M+44.6%	$611.2M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$64.1B+1.8%	$63.0B+0.5%	$62.7B+1.4%	$61.9B-1.0%	$62.5B+0.6%	$62.1B+0.1%	$62.1B+1.7%	$61.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.6B+15.6%	$1.4B+15.5%	$1.2B-3.0%	$1.2B-35.3%	$1.9B+81.8%	$1.0B+3.1%	$1.0B+7.3%	$940.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.9B0.0%	$1.9B0.0%	$1.9B0.0%	$1.9B0.0%	$1.9B0.0%	$1.9B0.0%	$1.9B0.0%	$1.9B
Total Liabilities	$56.3B+1.8%	$55.3B+0.4%	$55.1B+1.4%	$54.4B-1.3%	$55.1B-0.1%	$55.1B-0.4%	$55.3B+1.9%	$54.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$7.8B+1.5%	$7.7B+1.6%	$7.6B+1.0%	$7.5B+0.9%	$7.4B+6.6%	$7.0B+3.5%	$6.7B+0.2%	$6.7B
Retained Earnings	$1.9B+7.0%	$1.8B+5.4%	$1.7B+3.7%	$1.6B+2.3%	$1.6B+3.0%	$1.6B+2.3%	$1.5B+0.6%	$1.5B

VLY Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$343.8M-37.3%	$548.5M+45.0%	$378.2M-73.5%	$1.4B+70.6%	$837.1M+411.8%	$163.6M
Capital Expenditures	$18.1M+12.1%	$16.1M-78.8%	$76.0M+10.3%	$68.9M+74.8%	$39.4M+60.2%	$24.6M
Free Cash Flow	$325.7M-38.8%	$532.4M+76.2%	$302.1M-77.8%	$1.4B+70.4%	$797.7M+474.1%	$139.0M
Investing Cash Flow	-$2.2B-205.2%	-$709.3M+78.8%	-$3.3B+50.7%	-$6.8B-528.0%	-$1.1B+47.0%	-$2.0B
Financing Cash Flow	$1.5B+30.6%	$1.2B-60.2%	$2.9B-31.5%	$4.3B+341.5%	$964.4M-65.2%	$2.8B
Dividends Paid	$248.9M+9.1%	$228.2M+1.2%	$225.4M+9.4%	$206.0M+14.7%	$179.7M+1.0%	$178.0M
Share Buybacks	$63.0M	$0-100.0%	$2.1M-91.3%	$24.1M+0.9%	$23.9M+344.9%	$5.4M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$196.6M+3711.6%	$5.2M-96.8%	$159.2M+1029.5%	-$17.1M-104.4%	$392.2M+349.5%	-$157.2M-173.4%	$214.0M+115.1%	$99.5M
Capital Expenditures	$9.1M+225.1%	$2.8M-9.6%	$3.1M+2.0%	$3.0M-52.5%	$6.4M+91.9%	$3.3M+22.2%	$2.7M-24.7%	$3.6M
Free Cash Flow	$187.5M+7882.4%	$2.3M-98.5%	$156.0M+873.7%	-$20.2M-105.2%	$385.8M+340.3%	-$160.5M-176.0%	$211.3M+120.4%	$95.9M
Investing Cash Flow	-$915.2M-887.8%	-$92.7M+90.6%	-$981.3M-459.7%	-$175.3M-137.3%	$469.4M+387.1%	-$163.5M+85.2%	-$1.1B-1303.7%	$92.0M
Financing Cash Flow	$931.7M+243.1%	$271.5M-65.4%	$784.9M+265.6%	-$474.0M-4050.9%	-$11.4M-103.2%	$351.5M-63.4%	$961.5M+777.6%	-$141.9M
Dividends Paid	$61.8M0.0%	$61.8M-0.8%	$62.3M-1.0%	$62.9M+8.7%	$57.9M+3.3%	$56.1M-0.4%	$56.3M-2.8%	$57.9M
Share Buybacks	$46.6M+287.7%	$12.0M+456.0%	$2.2M+0.1%	$2.2M	$0	$0	$0	$0

VLY Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	18.5%+7.2pp	11.3%-4.5pp	15.9%-12.9pp	28.8%-6.7pp	35.5%+7.3pp	28.2%
Return on Equity	7.7%+2.6pp	5.1%-2.3pp	7.4%-1.5pp	8.9%-0.4pp	9.3%+0.8pp	8.5%
Return on Assets	0.9%+0.3pp	0.6%-0.2pp	0.8%-0.2pp	1.0%-0.1pp	1.1%+0.1pp	1.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.21-0.2	7.40-0.7	8.09+0.1	7.98+0.4	7.55-0.3	7.86
FCF Margin	10.1%-5.8pp	15.9%+6.2pp	9.6%-59.1pp	68.8%+9.0pp	59.8%+49.8pp	10.0%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	23.9%+4.2pp	19.8%+3.2pp	16.5%+3.0pp	13.5%-0.4pp	13.9%+2.5pp	11.4%+2.9pp	8.5%-3.2pp	11.6%
Return on Equity	2.5%+0.4pp	2.1%+0.4pp	1.8%+0.4pp	1.4%-0.1pp	1.6%+0.2pp	1.4%+0.3pp	1.1%-0.4pp	1.4%
Return on Assets	0.3%+0.0pp	0.3%+0.1pp	0.2%+0.0pp	0.2%-0.0pp	0.2%+0.0pp	0.2%+0.1pp	0.1%-0.1pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.21+0.0	7.19-0.1	7.28+0.0	7.25-0.2	7.40-0.5	7.91-0.3	8.21+0.1	8.07
FCF Margin	23.0%+22.7pp	0.3%-19.1pp	19.4%+21.9pp	-2.6%-48.8pp	46.2%+64.9pp	-18.6%-44.0pp	25.4%+13.8pp	11.6%

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Frequently Asked Questions

What is Valley Natl Bancorp's annual revenue?

Valley Natl Bancorp (VLY) reported $3.2B in total revenue for fiscal year 2025. This represents a -3.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Valley Natl Bancorp's revenue growing?

Valley Natl Bancorp (VLY) revenue declined by 3.7% year-over-year, from $3.4B to $3.2B in fiscal year 2025.

Is Valley Natl Bancorp profitable?

Yes, Valley Natl Bancorp (VLY) reported a net income of $598.0M in fiscal year 2025, with a net profit margin of 18.5%.

What is Valley Natl Bancorp's net profit margin?

Valley Natl Bancorp (VLY) had a net profit margin of 18.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Valley Natl Bancorp pay dividends?

Yes, Valley Natl Bancorp (VLY) paid $0.44 per share in dividends during fiscal year 2025.

What is Valley Natl Bancorp's return on equity (ROE)?

Valley Natl Bancorp (VLY) has a return on equity of 7.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Valley Natl Bancorp's free cash flow?

Valley Natl Bancorp (VLY) generated $325.7M in free cash flow during fiscal year 2025. This represents a -38.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Valley Natl Bancorp's operating cash flow?

Valley Natl Bancorp (VLY) generated $343.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Valley Natl Bancorp's total assets?

Valley Natl Bancorp (VLY) had $64.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Valley Natl Bancorp's capital expenditures?

Valley Natl Bancorp (VLY) invested $18.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Valley Natl Bancorp buy back shares?

Yes, Valley Natl Bancorp (VLY) spent $63.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

What is Valley Natl Bancorp's debt-to-equity ratio?

Valley Natl Bancorp (VLY) had a debt-to-equity ratio of 7.21 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Valley Natl Bancorp's return on assets (ROA)?

Valley Natl Bancorp (VLY) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Valley Natl Bancorp's Piotroski F-Score?

Valley Natl Bancorp (VLY) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Valley Natl Bancorp's earnings high quality?

Valley Natl Bancorp (VLY) has an earnings quality ratio of 0.57x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Valley Natl Bancorp?

Valley Natl Bancorp (VLY) scores 26 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.