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

Valley National (VLYPP) 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 Financials

VLYPP

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

This page shows Valley National (VLYPP) 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 VLYPP FY2025 2026-04-22

Valley National’s earnings rebound reflects easing funding-cost pressure, but the business is still generating much less cash than profit.

After two years of falling profitability, FY2025 net income rebounded to $598M and ROA to 0.9%. Because revenue still slipped to $3.2B while interest expense fell to $1.5B, the recovery looks driven more by easing funding-cost pressure than by the bank simply getting bigger or converting more of its earnings into cash.

With $64.1B of assets supported by only $7.8B of equity, this is a spread-and-leverage business: modest shifts in asset yield or funding cost can move returns materially. The positive change is that leverage eased to 7.2x from 8.1x over the last two years because equity rebuilt while assets kept expanding.

Cash coverage is tighter than net income suggests. FY2025 operating cash flow of $344M covered the $249M dividend, leaving only a modest cushion, and free cash flow of $326M was far below net income of $598M, so accounting earnings are recovering faster than cash generation.

Financial Health Signals

Financial Profile 19/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Valley National'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.

Growth

Valley National's revenue declined 3.7% year-over-year, from $3.4B to $3.2B. This contraction results in a growth score of 36/100.

Leverage

Valley National 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 National has a free cash flow margin of 10.1%, earning a moderate score of 54/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Valley National generates a 7.7% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 26/100. This is up from 5.1% the prior year.

Piotroski F-Score Weak

3/9

Valley National 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 National 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 National 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 National 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 National 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 National 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 National 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 National 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 National'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 National'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 National 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 National 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.

VLYPP 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

VLYPP 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

VLYPP 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

VLYPP 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 National's annual revenue?

Valley National (VLYPP) 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 National's revenue growing?

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

Is Valley National profitable?

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

What is Valley National's net profit margin?

Valley National (VLYPP) 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 National pay dividends?

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

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

Valley National (VLYPP) 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's free cash flow?

Valley National (VLYPP) 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's operating cash flow?

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

What are Valley National's total assets?

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

What are Valley National's capital expenditures?

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

Does Valley National buy back shares?

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

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

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

Valley National (VLYPP) 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's Piotroski F-Score?

Valley National (VLYPP) 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Valley National's earnings high quality?

Valley National (VLYPP) 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?

Valley National (VLYPP) scores 19 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.