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

Valley National 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 National Bancorp (VLY) Financials

VLY

Trailing 12 months to June 30, 2026

Revenue $2.2B +12.2% YoY

Net Income $693.6M +53.2% YoY

EPS (Diluted) $1.18 +51.3% YoY

Free Cash Flow $558.3M +54.6% YoY

Market Cap $7.1B as of Oct 3, 2026

Price / Sales 3.3x on $2.2B revenue, trailing 12 months to June 30, 2026

Price / Earnings 10.2x on $693.6M net income, trailing 12 months to June 30, 2026

Price / Book 0.9x on $7.9B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 3, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the VLY SEC filings page.

Valley National Bancorp (VLY) reported $2.2B in revenue over the twelve months to Jun 30, 2026, up 12.2% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI VLY FY2025 2026-10-04

2025 earnings recovered sharply, but reported cash generation weakened, leaving a highly liability-funded balance sheet as the central operating feature.

Net income rose to $598M in FY2025 from $380M, while operating cash flow fell to $344M from $549M. That divergence means the earnings rebound did not translate proportionally into reported cash generation, making cash conversion less supportive than the income statement alone suggests.

The profit recovery appears tied partly to lower funding cost: interest expense declined to $1.47B from $1.73B, while net margin expanded from 20.5% to 29.5%. This is a margin recovery associated with financing conditions, not evidence that revenue growth alone drove the improvement.

The balance sheet expanded modestly, with assets reaching $64.1B while equity reached $7.8B; debt-to-equity nevertheless eased from 7.4x to 7.2x. The combination points to a bank still funded predominantly through liabilities, with only limited improvement in its capitalization relative to its asset base.

Financial Health Signals

Financial Health Score 46/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Valley National Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Valley National Bancorp earned a return on assets of 0.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.6% the prior year. Earnings ranks banks on that return over three years, and Valley National Bancorp scores 45/100 among other banks.

Growth

Valley National Bancorp reported revenue of $2.0B in fiscal year 2025, against $1.9B in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Valley National Bancorp scores 30/100 among other banks.

Capital

Valley National Bancorp funded 12.2% of its assets with shareholders' equity at the end of fiscal year 2025, holding $7.8B of equity against $64.1B of assets. Capital ranks banks on that cushion, and Valley National Bancorp scores 60/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Valley National Bancorp scores 68/100 on it among other banks.

Credit Quality

Not available for Valley National Bancorp, and counted as zero in the overall score.

Stability

Valley National Bancorp reported net income of $598.0M in fiscal year 2025, against $380.3M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Valley National Bancorp scores 73/100 among other banks.

Piotroski F-Score Partial

5/6

Valley National Bancorp passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

0.57x

For every $1 of reported earnings, Valley National 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

$560.7M

YoY+13.3%

QoQ+3.8%

5Y CAGR+10.3%

10Y CAGR+12.3%

Valley National Bancorp generated $560.7M in revenue in Q2 2026. This represents an increase of 13.3% from the same quarter a year earlier. Against the prior quarter it is up 3.8%.

Net Income

$170.9M

YoY+28.3%

QoQ+4.3%

5Y CAGR+7.2%

10Y CAGR+15.9%

Valley National Bancorp reported $170.9M in net income in Q2 2026. This represents an increase of 28.3% from the same quarter a year earlier. Against the prior quarter it is up 4.3%.

EPS (Diluted)

$0.29

YoY+31.8%

QoQ+3.6%

5Y CAGR0.0%

10Y CAGR+6.8%

Valley National Bancorp earned $0.29 per diluted share (EPS) in Q2 2026. This represents an increase of 31.8% from the same quarter a year earlier. Against the prior quarter it is up 3.6%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$160.2M

YoY+2.7%

QoQ-23.1%

5Y CAGR+3.2%

10Y CAGR+15.9%

Valley National Bancorp generated $160.2M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 2.7% from the same quarter a year earlier. Against the prior quarter it is down 23.1%.

Cash & Debt

$966.9M

YoY-18.5%

QoQ-16.6%

5Y CAGR-12.1%

10Y CAGR+11.9%

Valley National Bancorp held $966.9M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.11

YoY0.0%

QoQ0.0%

Valley National Bancorp paid $0.11 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

553M

YoY-1.3%

QoQ-0.3%

5Y CAGR+6.3%

10Y CAGR+8.1%

Valley National Bancorp had 553M shares outstanding in Q2 2026. This represents a decrease of 1.3% from the same quarter a year earlier. Against the prior quarter it is down 0.3%.

Margins & Returns

Net Margin

30.5%

YoY+3.6pp

QoQ+0.2pp

5Y change-4.5pp

10Y change+8.3pp

Valley National Bancorp's net profit margin was 30.5% in Q2 2026, showing the share of revenue converted to profit. This is up 3.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Return on Equity

2.2%

YoY+0.4pp

QoQ+0.1pp

5Y change-0.4pp

10Y change+0.4pp

Valley National Bancorp's ROE was 2.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$20.1M

YoY+828.6%

QoQ-61.2%

5Y CAGR+169.2%

10Y CAGR+67.0%

Valley National Bancorp spent $20.1M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 828.6% from the same quarter a year earlier. Against the prior quarter it is down 61.2%.

Capital Expenditures

$3.3M

YoY+7.7%

QoQ+139.1%

5Y CAGR-4.3%

10Y CAGR-8.1%

Valley National Bancorp invested $3.3M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 7.7% from the same quarter a year earlier. Against the prior quarter it is up 139.1%.

R&D Spending

Not reported for Q2 2026.

VLY Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

VLY quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$2.2B	$2.0B+9.3%	$1.9B-2.0%	$1.9B+1.5%	$1.9B+36.5%	$1.4B+4.8%	$1.3B+17.0%	$1.1B+12.2%	$991.3M+28.4%	$771.8M+7.0%	$721.4M+13.8%	$634.1M+14.8%	$552.4M-4.2%	$576.4M-5.6%	$610.8M+4.0%	$587.1M
SG&A Expenses	$597.6M	$579.5M+3.7%	$558.6M-0.9%	$563.6M+7.0%	$526.7M+40.1%	$375.9M+12.8%	$333.2M+1.8%	$327.4M-1.9%	$333.8M+26.8%	$263.3M+8.3%	$243.2M+9.7%	$221.8M+14.6%	$193.5M-0.5%	$194.4M-2.8%	$200.0M+13.4%	$176.3M
Interest Expense	$1.4B	$1.5B-15.0%	$1.7B+17.3%	$1.5B+358.9%	$321.0M+158.2%	$124.3M-53.1%	$264.8M-37.4%	$423.0M+40.0%	$302.0M+73.5%	$174.1M+17.0%	$148.8M-5.1%	$156.8M-3.1%	$161.8M-3.9%	$168.4M-7.1%	$181.3M-8.9%	$199.0M
Income Tax	$167.7M	$145.9M+150.5%	$58.2M-67.6%	$179.8M-15.1%	$211.8M+26.9%	$166.9M+19.7%	$139.5M-5.1%	$147.0M+115.3%	$68.3M-24.8%	$90.8M+39.2%	$65.2M+172.5%	$23.9M-22.9%	$31.1M-33.9%	$47.0M-29.6%	$66.7M+6.4%	$62.7M
Net Income	$693.6M	$598.0M+57.3%	$380.3M-23.7%	$498.5M-12.4%	$568.9M+20.1%	$473.8M+21.3%	$390.6M+26.1%	$309.8M+18.5%	$261.4M+61.5%	$161.9M-3.7%	$168.1M+63.3%	$103.0M-11.4%	$116.2M-12.0%	$132.0M-8.1%	$143.6M+8.4%	$132.5M
EPS (Basic)	N/A	$1.02+45.7%	$0.70-26.3%	$0.95-16.7%	$1.14+0.9%	$1.13+20.2%	$0.94+6.8%	$0.88+17.3%	$0.75+29.3%	$0.58-7.9%	$0.63+50.0%	$0.42-25.0%	$0.56-15.2%	$0.66-9.6%	$0.73-1.4%	$0.74
EPS (Diluted)	$1.18	$1.01+46.4%	$0.69-27.4%	$0.95-16.7%	$1.14+1.8%	$1.12+20.4%	$0.93+6.9%	$0.87+16.0%	$0.75+29.3%	$0.58-7.9%	$0.63+50.0%	$0.42-25.0%	$0.56-15.2%	$0.66-9.6%	$0.73-1.4%	$0.74
Diluted Shares (Avg)	N/A	564M+8.8%	518M+1.7%	509M+4.4%	488M+19.0%	410M+1.2%	405M+19.1%	340M+2.2%	333M+25.6%	265M+3.8%	255M+8.9%	234M+14.0%	206M+3.2%	199M+1.0%	197M+10.6%	178M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$560.7M+13.3%	$540.4M+13.0%	$541.2M+14.1%	$511.1M+8.5%	$495.0M+9.3%	$478.4M+5.2%	$474.2M+5.4%	$471.2M0.0%
SG&A Expenses	$150.4M+3.4%	$155.7M+9.2%	$144.7M+5.5%	$146.8M+5.8%	$145.4M+3.3%	$142.6M+0.6%	$137.1M+4.1%	$138.8M+1.1%
Interest Expense	$342.4M-8.1%	$331.2M-9.2%	$350.9M-14.8%	$380.7M-15.4%	$372.6M-13.7%	$364.6M-16.2%	$411.8M-2.2%	$450.1M+12.3%
Income Tax	$49.6M+24.1%	$45.3M+36.9%	$26.3M+198.7%	$46.6M+61.7%	$39.9M+74.3%	$33.1M-0.3%	-$26.6M-253.1%	$28.8M-46.1%
Net Income	$170.9M+28.3%	$163.9M+54.6%	$195.4M+68.9%	$163.4M+66.9%	$133.2M+89.1%	$106.1M+10.2%	$115.7M+61.7%	$97.9M-30.8%
EPS (Basic)	$0.30+30.4%	$0.28+55.6%	$0.34+61.9%	$0.28+55.6%	$0.23+76.9%	$0.180.0%	$0.21+61.5%	$0.18-33.3%
EPS (Diluted)	$0.29+31.8%	$0.28+55.6%	$0.33+65.0%	$0.28+55.6%	$0.22+69.2%	$0.180.0%	$0.20+42.9%	$0.18-33.3%
Diluted Shares (Avg)	557M-1.0%	559M-0.7%	N/A	564M+10.2%	562M+10.2%	563M+10.3%	N/A	511M+0.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

VLY Balance Sheet

VLY quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$64.1B+2.6%	$62.5B+2.6%	$60.9B+6.0%	$57.5B+32.3%	$43.4B+6.8%	$40.7B+8.7%	$37.4B+17.5%	$31.9B+32.8%	$24.0B+5.0%	$22.9B+5.8%	$21.6B+15.0%	$18.8B+16.3%	$16.2B+0.9%	$16.0B+12.3%	$14.3B
Cash & Equivalents	$1.6B-16.2%	$1.9B+112.1%	$891.2M-6.0%	$947.9M-53.8%	$2.0B+54.2%	$1.3B+205.8%	$434.7M+1.4%	$428.6M+3.0%	$416.1M+6.0%	$392.5M-5.1%	$413.8M-50.2%	$830.4M+124.9%	$369.2M-56.7%	$853.1M+125.1%	$379.0M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$1.9B0.0%	$1.9B0.0%	$1.9B0.0%	$1.9B+28.1%	$1.5B+5.5%	$1.4B+0.6%	$1.4B+26.6%	$1.1B+57.1%	$690.6M0.0%	$690.6M+0.6%	$686.3M+19.2%	$575.9M+34.5%	$428.2M0.0%	$428.2M+34.7%	$318.0M
Total Liabilities	$56.3B+2.3%	$55.1B+1.5%	$54.2B+6.2%	$51.1B+33.1%	$38.4B+6.3%	$36.1B+9.2%	$33.1B+15.9%	$28.5B+32.8%	$21.5B+4.8%	$20.5B+5.6%	$19.4B+14.6%	$16.9B+15.8%	$14.6B+0.7%	$14.5B+11.6%	$13.0B
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$1.7B-28.6%	$2.3B+61.5%	$1.4B-20.8%	$1.8B-28.3%	$2.5B-9.6%	$2.8B+3.5%	$2.7B-1.1%	$2.7B
Total Equity	$7.8B+5.0%	$7.4B+10.9%	$6.7B+4.7%	$6.4B+25.9%	$5.1B+10.7%	$4.6B+4.7%	$4.4B+30.9%	$3.4B+32.3%	$2.5B+6.6%	$2.4B+7.7%	$2.2B+18.5%	$1.9B+20.9%	$1.5B+2.6%	$1.5B+19.7%	$1.3B
Retained Earnings	$1.9B+19.7%	$1.6B+8.6%	$1.5B+20.8%	$1.2B+37.9%	$883.6M+44.6%	$611.2M+37.8%	$443.6M+48.0%	$299.6M+38.3%	$216.7M+25.5%	$172.8M+38.0%	$125.2M-4.3%	$130.8M+23.0%	$106.3M+13.7%	$93.5M+19.0%	$78.6M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$66.3B+5.8%	$64.5B+4.2%	$64.1B+2.6%	$63.0B+1.5%	$62.7B+1.0%	$61.9B+1.4%	$62.5B+2.6%	$62.1B+1.5%
Cash & Equivalents	$966.9M-18.5%	$1.2B-5.3%	$1.6B-16.2%	$1.4B+31.8%	$1.2B+17.6%	$1.2B+30.1%	$1.9B+112.1%	$1.0B-9.1%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$1.9B0.0%	$1.9B0.0%	$1.9B0.0%	$1.9B0.0%	$1.9B0.0%	$1.9B0.0%	$1.9B0.0%	$1.9B0.0%
Total Liabilities	$58.4B+5.9%	$56.6B+4.2%	$56.3B+2.3%	$55.3B+0.4%	$55.1B-0.3%	$54.4B+0.2%	$55.1B+1.5%	$55.1B+1.0%
Total Equity	$7.9B+4.5%	$7.8B+4.4%	$7.8B+5.0%	$7.7B+10.4%	$7.6B+12.4%	$7.5B+11.5%	$7.4B+10.9%	$7.0B+5.2%
Retained Earnings	$2.1B+24.1%	$2.0B+22.5%	$1.9B+19.7%	$1.8B+15.2%	$1.7B+11.8%	$1.6B+8.5%	$1.6B+8.6%	$1.6B+6.2%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

VLY Cash Flow Statement

VLY quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$575.0M	$343.8M-37.3%	$548.5M+45.0%	$378.2M-73.5%	$1.4B+70.6%	$837.1M+411.8%	$163.6M-37.6%	$261.9M-13.8%	$304.0M-50.9%	$619.2M+47.7%	$419.2M+170.6%	$154.9M-15.8%	$184.0M-35.5%	$285.4M-11.7%	$323.3M+69.0%	$191.3M
Depreciation & Amortization	N/A	$38.1M-12.8%	$43.7M+0.7%	$43.4M+5.3%	$41.2M+43.1%	$28.8M-5.9%	$30.6M+4.1%	$29.4M+6.5%	$27.6M+11.3%	$24.8M+1.6%	$24.4M+15.6%	$21.1M+8.2%	$19.5M-1.0%	$19.7M+6.5%	$18.5M+12.8%	$16.4M
Stock-Based Compensation	N/A	$27.3M-5.9%	$29.0M-12.4%	$33.1M+15.0%	$28.8M+37.8%	$20.9M+29.3%	$16.2M+9.7%	$14.7M-24.4%	$19.5M+59.6%	$12.2M+21.7%	$10.0M+32.4%	$7.6M+1.1%	$7.5M+23.7%	$6.1M+25.7%	$4.8M+52.6%	$3.2M
Capital Expenditures	$16.7M	$18.1M+12.1%	$16.1M-78.8%	$76.0M+10.3%	$68.9M+74.8%	$39.4M+60.2%	$24.6M+5.3%	$23.4M-11.6%	$26.4M+45.9%	$18.1M-12.5%	$20.7M-39.2%	$34.0M+55.7%	$21.9M+47.2%	$14.9M-34.7%	$22.7M+38.6%	$16.4M
Free Cash Flow	$558.3M	$325.7M-38.8%	$532.4M+76.2%	$302.1M-77.8%	$1.4B+70.4%	$797.7M+474.1%	$139.0M-41.8%	$238.5M-14.0%	$277.5M-53.8%	$601.1M+50.9%	$398.5M+229.6%	$120.9M-25.4%	$162.1M-40.1%	$270.5M-10.0%	$300.6M+71.8%	$174.9M
Investing Cash Flow	-$3.8B	-$2.2B-205.2%	-$709.3M+78.8%	-$3.3B+50.7%	-$6.8B-528.0%	-$1.1B+47.0%	-$2.0B-127.1%	-$897.3M+68.4%	-$2.8B-83.5%	-$1.5B-1.3%	-$1.5B+10.2%	-$1.7B-232.4%	-$511.6M+34.9%	-$786.0M-527.9%	$183.7M+195.3%	-$192.8M
Financing Cash Flow	$3.0B	$1.5B+30.6%	$1.2B-60.2%	$2.9B-31.5%	$4.3B+341.5%	$964.4M-65.2%	$2.8B+331.6%	$641.5M-74.8%	$2.5B+167.7%	$951.9M-12.4%	$1.1B-3.7%	$1.1B+43.1%	$788.8M+4615.1%	$16.7M+150.7%	-$33.0M-331.1%	$14.3M
Dividends Paid	$247.7M	$248.9M+9.1%	$228.2M+1.2%	$225.4M+9.4%	$206.0M+14.7%	$179.7M+1.0%	$178.0M+21.4%	$146.5M+5.5%	$138.9M+19.8%	$115.9M+3.6%	$111.8M+9.3%	$102.3M+16.1%	$88.1M-31.8%	$129.3M+2.7%	$125.9M+7.8%	$116.8M
Share Buybacks	$130.6M	$63.0M	$0-100.0%	$2.1M-91.3%	$24.1M+0.9%	$23.9M+344.9%	$5.4M+197.7%	$1.8M-52.5%	$3.8M+43.7%	$2.6M-17.1%	$3.2M+51.4%	$2.1M+24.9%	$1.7M+119.8%	$768K	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$163.5M+2.8%	$209.6M+1324.4%	$196.6M-49.9%	$5.2M+103.3%	$159.2M-25.6%	-$17.1M-117.2%	$392.2M+240.8%	-$157.2M-142.0%
Depreciation & Amortization	$8.8M-12.6%	$9.1M-8.3%	$9.4M-24.8%	$8.8M-9.5%	$10.0M-6.4%	$9.9M-8.4%	$12.5M+10.6%	$9.7M-9.1%
Stock-Based Compensation	$8.6M+26.5%	$7.7M+12.1%	N/A	$4.4M-39.7%	$6.8M-10.5%	$6.8M-15.6%	N/A	$7.3M-15.1%
Capital Expenditures	$3.3M+7.7%	$1.4M-54.1%	$9.1M+42.3%	$2.8M-16.0%	$3.1M+13.4%	$3.0M-16.3%	$6.4M+43.5%	$3.3M-84.9%
Free Cash Flow	$160.2M+2.7%	$208.2M+1132.5%	$187.5M-51.4%	$2.3M+101.5%	$156.0M-26.1%	-$20.2M-121.0%	$385.8M+236.3%	-$160.5M-145.6%
Investing Cash Flow	-$1.9B-97.8%	-$805.5M-359.5%	-$915.2M-295.0%	-$92.7M+43.3%	-$981.3M+11.4%	-$175.3M-290.6%	$469.4M+555.2%	-$163.5M+38.5%
Financing Cash Flow	$1.6B+102.0%	$171.7M+136.2%	$931.7M+8259.0%	$271.5M-22.8%	$784.9M-18.4%	-$474.0M-234.1%	-$11.4M-108.8%	$351.5M+138.3%
Dividends Paid	$61.1M-2.0%	$62.9M0.0%	$61.8M+6.8%	$61.8M+10.3%	$62.3M+10.7%	$62.9M+8.6%	$57.9M+3.5%	$56.1M+0.3%
Share Buybacks	$20.1M+828.6%	$51.8M+2296.0%	$46.6M	$12.0M	$2.2M	$2.2M	$0-100.0%	$0-100.0%

VLY Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

VLY quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	29.5%+9.0pp	20.5%-5.8pp	26.4%-4.2pp	30.5%-4.2pp	34.7%+4.7pp	30.0%+2.2pp	27.8%+1.5pp	26.4%+5.4pp	21.0%-2.3pp	23.3%+7.1pp	16.2%-4.8pp	21.0%-1.9pp	22.9%-0.6pp	23.5%+0.9pp	22.6%
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%+1.4pp	7.1%-0.7pp	7.8%+1.4pp	6.4%-0.7pp	7.1%+2.4pp	4.7%-1.6pp	6.2%-2.3pp	8.6%-1.0pp	9.6%-1.0pp	10.6%
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%+0.1pp	0.8%0.0pp	0.8%+0.2pp	0.7%-0.1pp	0.7%+0.3pp	0.5%-0.1pp	0.6%-0.2pp	0.8%-0.1pp	0.9%0.0pp	0.9%
Debt-to-Equity	7.21-0.2x	7.40-0.7x	8.09+0.1x	7.98+0.4x	7.55-0.3x	7.86+0.3x	7.54+7.0x	0.49-0.4x	0.91+0.3x	0.60-0.2x	0.82-0.5x	1.36-0.5x	1.810.0x	1.80-0.4x	2.17
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.04
FCF Margin	16.1%-12.7pp	28.7%+12.8pp	16.0%-57.0pp	73.0%+14.6pp	58.4%+47.8pp	10.7%-10.8pp	21.4%-6.6pp	28.0%-49.9pp	77.9%+22.7pp	55.2%+36.2pp	19.1%-10.3pp	29.3%-17.6pp	46.9%-2.3pp	49.2%+19.4pp	29.8%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	30.5%+3.6pp	30.3%+8.2pp	36.1%+11.7pp	32.0%+11.2pp	26.9%+11.4pp	22.2%+1.0pp	24.4%+8.5pp	20.8%-9.2pp
Return on Equity	2.2%+0.4pp	2.1%+0.7pp	2.5%+0.9pp	2.1%+0.7pp	1.8%+0.7pp	1.4%0.0pp	1.6%+0.5pp	1.4%-0.7pp
Return on Assets	0.3%+0.1pp	0.3%+0.1pp	0.3%+0.1pp	0.3%+0.1pp	0.2%+0.1pp	0.2%0.0pp	0.2%+0.1pp	0.2%-0.1pp
Debt-to-Equity	7.38+0.1x	7.230.0x	7.21-0.2x	7.19-0.7x	7.28-0.9x	7.25-0.8x	7.40-0.7x	7.91-0.3x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	28.6%-2.9pp	38.5%+42.8pp	34.6%-46.7pp	0.5%+34.5pp	31.5%-15.1pp	-4.2%-25.3pp	81.4%+144.3pp	-34.1%-108.8pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Valley National Bancorp VLY	FY2025	$2.0B	$598.0M	29.5%	$7.1B	46/100
F.N.B. Corp FNB	FY2025	$1.8B	$565.0M	32.0%	$6.2B	55/100
Glacier Bancorp Inc GBCI	FY2025	$1.0B	$239.0M	23.2%	$5.7B	53/100
Prosperity Bancshares Inc PB	FY2025	$1.2B	$542.8M	43.4%	$8.1B	64/100
Home BancShares, Inc. HOMB	FY2025	$1.1B	$475.4M	43.6%	$5.7B	74/100

Where Valley National Bancorp Ranks

Frequently Asked Questions

What is Valley National Bancorp's annual revenue?

Valley National Bancorp (VLY) reported $2.0B in total revenue for fiscal year 2025. This represents a 9.3% 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 National Bancorp's revenue growing?

Valley National Bancorp (VLY) revenue grew by 9.3% year-over-year, from $1.9B to $2.0B in fiscal year 2025.

Is Valley National Bancorp profitable?

Yes, Valley National Bancorp (VLY) reported a net income of $598.0M in fiscal year 2025, with a net profit margin of 29.5%.

What is Valley National Bancorp's net profit margin?

Valley National Bancorp (VLY) had a net profit margin of 29.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Valley National Bancorp pay dividends?

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

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

Valley National 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 National Bancorp's free cash flow?

Valley National 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 National Bancorp's operating cash flow?

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

What are Valley National Bancorp's total assets?

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

What are Valley National Bancorp's capital expenditures?

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

Does Valley National Bancorp buy back shares?

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

How many shares does Valley National Bancorp have outstanding?

Valley National Bancorp (VLY) had 555M shares outstanding as of fiscal year 2025.

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

Valley National 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 National Bancorp's return on assets (ROA)?

Valley National 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 National Bancorp's P/E ratio?

Valley National Bancorp (VLY) trades at 10.2x earnings, its market capitalization divided by net income of $693.6M net income, trailing 12 months to June 30, 2026. The market capitalization is $7.1B as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Valley National Bancorp's price-to-sales ratio?

Valley National Bancorp (VLY) trades at 3.3x sales, its market capitalization divided by revenue of $2.2B revenue, trailing 12 months to June 30, 2026. The market capitalization is $7.1B as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

Valley National Bancorp (VLY) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Valley National Bancorp's earnings high quality?

Valley National 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 National Bancorp?

Valley National Bancorp (VLY) scores 46 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.