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

Valley Natl Bancorp (VLYPN) 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

VLYPN

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Valley Natl Bancorp (VLYPN) 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).

Rhea AI VLYPN FY2025 2026-04-22

Balance-sheet lending drives returns here, with modest asset yields supported by heavy leverage and uneven cash conversion instead of a margin-rich operating model.

In FY2025, net income reached $598M while operating cash flow was only $344M, so accounting earnings recovered faster than cash. With capex just $18M and ROA back to 0.9%, the shortfall points to liquidity being absorbed by balance-sheet movements rather than by maintaining the business.

This is a scale-through-assets model: assets grew from $57.5B in FY2022 to $64.1B in FY2025, while profitability on those assets remained thin. Even after the rebound, returns stayed below 1.0% on assets, which means small changes in funding cost or asset mix can materially reshape earnings because the spread earned on each dollar of assets is slim.

The FY2025 improvement was not a cost-cut story: selling and administrative expense rose to $580M even as net income climbed to $598M. At the same time, equity kept building and leverage eased to 7.2x, so the recovery came with a slightly stronger capital base rather than extra balance-sheet stretch, which matters when profits are generated on narrow asset returns.

Financial Health Signals

Financial health score pending refresh

We are recalculating Valley Natl Bancorp's peer-relative financial health score against the latest fiscal year. It will appear here once the refresh completes. The signals and metrics below are current.

Piotroski F-Score Partial

3/5

Valley Natl Bancorp passes 3 of 5 computable financial strength tests (4 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 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.

VLYPN 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	$579.5M+3.7%	$558.6M-0.9%	$563.6M+7.0%	$526.7M+40.1%	$375.9M+12.8%	$333.2M
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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$802.7M-1.6%	$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
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	$155.7M+7.6%	$144.7M-1.5%	$146.8M+1.0%	$145.4M+2.0%	$142.6M+4.0%	$137.1M-1.2%	$138.8M-1.4%	$140.8M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$331.2M-5.6%	$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
Income Tax	$45.3M+72.1%	$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
Net Income	$163.9M-16.1%	$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
EPS (Diluted)	$0.28	N/A	$0.28+27.3%	$0.22+22.2%	$0.18	N/A	$0.18+38.5%	$0.13

VLYPN 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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$64.5B+0.5%	$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
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.2B-26.8%	$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
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	$56.6B+0.6%	$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
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+0.3%	$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
Retained Earnings	$2.0B+4.7%	$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

VLYPN 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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$209.6M+6.6%	$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
Capital Expenditures	$1.4M-84.7%	$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
Free Cash Flow	$208.2M+11.1%	$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
Investing Cash Flow	-$805.5M+12.0%	-$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
Financing Cash Flow	$171.7M-81.6%	$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
Dividends Paid	$62.9M+1.8%	$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
Share Buybacks	$51.8M+11.1%	$46.6M+287.7%	$12.0M+456.0%	$2.2M+0.1%	$2.2M	$0	$0	$0

VLYPN 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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	20.4%-3.5pp	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%
Return on Equity	2.1%-0.4pp	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%
Return on Assets	0.3%-0.1pp	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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.23+0.0	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
FCF Margin	25.9%+3.0pp	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%

Frequently Asked Questions

What is Valley Natl Bancorp's annual revenue?

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

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

Valley Natl Bancorp (VLYPN) 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 (VLYPN) 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 (VLYPN) 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 (VLYPN) 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 (VLYPN) 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 (VLYPN) 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 (VLYPN) 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 (VLYPN) 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 (VLYPN) has a Piotroski F-Score of 3 out of 5 computable signals; 4 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 Natl Bancorp's earnings high quality?

Valley Natl Bancorp (VLYPN) 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.