
Valley National Bancorp
NASDAQ•VLY
CEO: Mr. Ira D. Robbins
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1990-03-23
Valley National Bancorp operates as the holding company for Valley National Bank that provides various commercial, private banking, retail, insurance, and wealth management financial services products. It operates through Consumer Banking, Commercial Banking, and Treasury and Corporate other segments. The company offers non-interest bearing, savings, NOW, money market, and time deposit accounts; commercial and industrial, commercial real estate, residential mortgage, and automobile loans; loans secured by the cash surrender value of life insurance; home equity loans and lines of credit; automobile financing; and secured and unsecured other consumer loans. It also invests in various securities and interest-bearing deposits with other banks; and provides international banking services, such as standby and documentary letters of credit, and related products, as well as foreign exchange transactions, documentary collections, and foreign wire transfers services. In addition, the company offers investment services for individuals and small to medium sized businesses; and trusts investment strategies designed for various investment profiles and objectives. Further, it provides trust services, such as living and testamentary trusts, investment management, custodial and escrow services, and estate administration to individuals; tax credit advisory services; brokerage services; property and casualty, life, health, and title insurance agency services; and health care equipment lending and other commercial equipment leasing services, as well as owns real estate related investments. Additionally, the company offers online, mobile, and telephone banking services; receivable, payment, and security solution, merchant, payroll processing, and liquidity services; credit cards; and drive-in and night deposit, automated teller machine, remote deposit capture, and safe deposit facility services. Valley National Bancorp was founded in 1927 and is headquartered in Morristown, New Jersey.
Contact Information
Market Cap
$6.65B
P/E (TTM)
13.3
14.8
Dividend Yield
3.7%
52W High
$12.04
52W Low
$7.48
52W Range
Rank60Top 78.6%
2.5
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 2.5 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024
Financial Dashboard
Q3 2025 Data
Revenue
$891.81M-2.42%
4-Quarter Trend
EPS
$0.28+55.56%
4-Quarter Trend
FCF
$5.16M-103.28%
4-Quarter Trend
2025 Q3 Earnings Highlights
Key Highlights
Quarterly Net Income Surges Net income $163.4M for Q3 2025, up significantly from $98.0M last year; Basic EPS reached $0.28 per diluted share.
Net Interest Margin Improves Tax-equivalent NIM rose 4 basis points to 3.05% for Q3 2025, driven by higher asset yields and lower funding costs.
Loan Loss Provision Decreases Provision for loan losses dropped sharply to $19.2M in Q3 2025 from $75.0M year-over-year, significantly aiding profitability.
Strong Capital Ratios Maintained Total Risk-Based Capital ratio stood at 13.83% and CET1 at 11.00%, comfortably exceeding all regulatory minimum requirements.
Risk Factors
Non-Accrual Loans Increased Non-accrual loans rose to $421.5M (0.86% of loans) due to three new non-performing CRE/construction loans totaling $67.0M.
CRE Concentration Remains High Commercial Real Estate loans total $28.7B, representing 58.2% of total loans; goal is gradual reduction below 350% ratio.
Deposit Mix Shifting Uninsured deposits total $13.7B (27% of total deposits); management notes deposit gathering challenges due to market competition.
Interest Rate Risk Exposure Simulation shows a 100 basis point immediate rate decrease projects a 1.60% decrease in NII over the next 12 months.
Outlook
Revised NII Growth Forecast Full year 2025 Net Interest Income growth revised down to 8% projection due to lower anticipated loan growth of approximately 2 percent.
ACL Stabilization Expected Anticipate Allowance for Credit Losses to stabilize between 1.20% and 1.25% of total loans through December 31, 2025.
Focus on CRE Runoff Continued strategy of targeted runoff of transactional CRE loans to maintain CRE concentration ratio below the 350 percent goal.
Professional Fees Remain Elevated Expect higher levels of professional and legal fees incurred in Q3 2025 to continue into early 2026 due to transformation efforts.
Peer Comparison
Revenue (TTM)
VLY$3.49B
$3.33B
COLB$2.99B
Gross Margin (Latest Quarter)
98.0%
96.5%
94.1%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| PNFP | $7.75B | 12.3 | 9.4% | 4.5% |
| SNV | $7.30B | 9.2 | 14.5% | 5.1% |
| PB | $6.92B | 13.0 | 7.1% | 6.5% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
0.2%
Moderate Growth
4Q Net Income CAGR
12.2%
Profitability Improving
Cash Flow Stability
75%
Volatile Cash Flow
Research & Insights
Next earnings:Jan 22, 2026
EPS:$0.29
|Revenue:$524.50M
Reports
All Years
Form 10-Q - Q3 2025
Period End: Sep 30, 2025|Filed: Nov 7, 2025|Revenue: $891.81M-2.4%|EPS: $0.28+55.6%BeatForm 10-Q - Q2 2025
Period End: Jun 30, 2025|Filed: Aug 7, 2025|Revenue: $867.61M-1.9%|EPS: $0.23+76.9%BeatForm 10-Q - Q1 2025
Period End: Mar 31, 2025|Filed: May 8, 2025|Revenue: $843.06M-4.9%|EPS: $0.18+0.0%MissForm 10-K - FY 2024
Period End: Dec 31, 2024|Filed: Feb 28, 2025|Revenue: $3.57B+6.5%|EPS: $0.70-26.3%BeatForm 10-Q - Q3 2024
Period End: Sep 30, 2024|Filed: Nov 12, 2024|Revenue: $913.90M+5.7%|EPS: $0.18-33.3%MeetForm 10-Q - Q2 2024
Period End: Jun 30, 2024|Filed: Aug 8, 2024|Revenue: $884.72M+4.4%|EPS: $0.13-51.9%MissForm 10-Q - Q1 2024
Period End: Mar 31, 2024|Filed: May 8, 2024|Revenue: $886.52M+15.2%|EPS: $0.18-35.7%MissForm 10-K - FY 2023
Period End: Dec 31, 2023|Filed: Feb 29, 2024|Revenue: $3.35B+53.6%|EPS: $0.95-16.7%Beat