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

Valley Natl Bancorp (VLYPO) 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 (VLYPO) Financials

VLYPO

Trailing 12 months to June 30, 2026

Revenue $3.3B -0.3% YoY

Net Income $693.6M +53.2% YoY

EPS (Diluted) $1.18 +51.3% YoY

Free Cash Flow $558.3M +54.6% YoY

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 VLYPO SEC filings page.

Valley Natl Bancorp (VLYPO) reported $3.3B in revenue over the twelve months to Jun 30, 2026, down 0.3% 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 VLYPO FY2025 2026-08-29

Funding-cost sensitivity dominates a highly leveraged balance sheet, while cash generation trails accounting profit.

In FY2025, net income rebounded to $598M even as revenue slipped to $3.2B, showing that earnings improved without top-line expansion. The larger driver was interest expense falling from $1.7B to $1.5B, making funding costs a more important earnings lever than reported volume.

Debt-to-equity eased from 8.1x in FY2023 to 7.2x in FY2025, indicating modest deleveraging. That improvement reflects equity growing faster than obligations, not a change from a liability-funded operating structure.

Operating cash flow was $344M against $598M of net income, so only a little over half of reported profit appeared as operating cash. With free cash flow at $326M and dividends plus buybacks at $312M, cash allocation is tighter than earnings alone suggests: most internally generated cash was distributed rather than retained.

Financial Health Signals

Financial health score not available

Valley Natl Bancorp does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

4/6

Valley Natl Bancorp passes 4 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, 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

$829.4M

YoY+3.0%

QoQ+3.3%

5Y CAGR+20.0%

10Y CAGR+15.9%

Valley Natl Bancorp generated $829.4M in revenue in Q2 2026. This represents an increase of 3.0% from the same quarter a year earlier. Against the prior quarter it is up 3.3%.

Net Income

$170.9M

YoY+28.3%

QoQ+4.3%

5Y CAGR+7.2%

10Y CAGR+15.9%

Valley Natl 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 Natl 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 Natl 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 Natl 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 Natl 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 Natl 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

20.6%

YoY+4.1pp

QoQ+0.2pp

5Y CAGR-15.5pp

10Y CAGR-0.1pp

Valley Natl Bancorp's net profit margin was 20.6% in Q2 2026, showing the share of revenue converted to profit. This is up 4.1 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 CAGR-0.4pp

10Y CAGR+0.4pp

Valley Natl 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 Natl 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 Natl 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.

VLYPO 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.

VLYPO 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	$3.3B	$3.2B-3.7%	$3.4B+7.0%	$3.1B+58.8%	$2.0B+48.2%	$1.3B-3.6%	$1.4B+4.7%	$1.3B+14.0%	$1.2B+39.0%	$834.2M+9.5%	$761.9M+7.8%	$707.0M+11.1%	$636.6M+3.3%	$616.1M-8.2%	$671.2M-0.4%	$673.8M
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	$829.4M+3.0%	$802.7M+2.3%	$815.8M-2.3%	$826.9M-3.9%	$805.0M-3.4%	$784.8M-5.3%	$834.8M+2.0%	$860.5M+5.8%
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.

VLYPO Balance Sheet

VLYPO 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.

VLYPO Cash Flow Statement

VLYPO 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%

VLYPO 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.

VLYPO 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	18.5%+7.2pp	11.3%-4.5pp	15.9%-12.9pp	28.8%-6.7pp	35.5%+7.3pp	28.2%+4.8pp	23.4%+0.9pp	22.6%+3.1pp	19.4%-2.7pp	22.1%+7.5pp	14.6%-3.7pp	18.3%-3.2pp	21.4%0.0pp	21.4%+1.7pp	19.7%
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	0.050.0x	0.050.0x	0.050.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.05
FCF Margin	10.1%-5.8pp	15.9%+6.2pp	9.6%-59.1pp	68.8%+9.0pp	59.8%+49.8pp	10.0%-8.0pp	18.1%-5.9pp	23.9%-48.1pp	72.1%+19.8pp	52.3%+35.2pp	17.1%-8.4pp	25.5%-18.4pp	43.9%-0.9pp	44.8%+18.8pp	26.0%

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	20.6%+4.1pp	20.4%+6.9pp	23.9%+10.1pp	19.8%+8.4pp	16.5%+8.1pp	13.5%+1.9pp	13.9%+5.1pp	11.4%-6.0pp
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	19.3%-0.1pp	25.9%+28.5pp	23.0%-23.2pp	0.3%+18.9pp	19.4%-6.0pp	-2.6%-14.1pp	46.2%+80.8pp	-18.6%-61.9pp

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

Where Valley Natl Bancorp Ranks

Frequently Asked Questions

What is Valley Natl Bancorp's annual revenue?

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

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

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

How many shares does Valley Natl Bancorp have outstanding?

Valley Natl Bancorp (VLYPO) had 555M shares outstanding as of fiscal year 2025.

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

Valley Natl Bancorp (VLYPO) 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 (VLYPO) 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 (VLYPO) has a Piotroski F-Score of 4 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 Natl Bancorp's earnings high quality?

Valley Natl Bancorp (VLYPO) 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.