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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
70 Speedwell Avenue, Morristown, NJ, 07960, United States
800-522-4100
www.valley.com
Market Cap
$6.61B
P/E (TTM)
11.1
14.4
Dividend Yield
3.7%
52W High
$13.87
52W Low
$7.48
52W Range
69%
Rank54Top 78.1%
2.7
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 2.7 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$892.14M+0.64%
4-Quarter Trend

EPS

$0.34+70.00%
4-Quarter Trend

FCF

$187.51M+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Jumped Significantly Net income available to common shareholders rose to $569.0M in 2025, up from $358.9M in 2024, driving diluted EPS to $1.01.
NIM Expansion Achieved Tax-equivalent Net Interest Margin improved 20 basis points to 3.05% in 2025, benefiting from lower deposit costs and repricing.
CRE Concentration Reduced CRE loan concentration ratio declined to 333% by year-end 2025, continuing strategic diversification efforts away from this segment.
Strong Capital Ratios Maintained Valley maintained robust capital levels; CET1 ratio stood at 10.99% exceeding regulatory minimums comfortably at year-end 2025.

Risk Factors

Credit Quality Creeping Up NPA ratio increased to 0.87% by year-end 2025, driven by rising non-accrual commercial real estate balances.
Goodwill Impairment Potential Goodwill totaled $1.9B; future adverse changes in business estimates could necessitate significant impairment charges.
Cybersecurity Threat Exposure Subject to complex and evolving data privacy/cybersecurity laws, increasing compliance costs and operational disruption risks.
Deposit Cost Sensitivity Reliance on deposit funding subjects NII to competition; inability to retain low-cost deposits pressures margins.

Outlook

Projected NII Growth Management anticipates net interest income growth of approximately 11% to 13% for the full year 2026.
CRE Ratio Decline Expected CRE loan concentration ratio is expected to gradually decline towards 300% by December 31, 2027, through portfolio mix shifts.
Technology Investment Focus Continued investment in technology and AI integration to enhance efficiency and customer experience across segments.
Credit Cost Moderation Total net loan charge-offs to average loans expected to decrease to approximately 0.15% to 0.20% in 2026.

Peer Comparison

Revenue (TTM)

BMA stock ticker logoBMA
$4.01T
-43.6%
VLY stock ticker logoVLY
$3.49B
-2.2%
SNV stock ticker logoSNV
$3.33B
-0.6%

Gross Margin (Latest Quarter)

BMA stock ticker logoBMA
65349.8%
-18.7pp
SNV stock ticker logoSNV
96.5%
+38.9pp
CBSH stock ticker logoCBSH
80.4%
+2.5pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
BOKF$7.62B13.29.8%8.9%
CBSH$7.00B11.515.4%9.1%
SNV$6.95B8.714.5%5.1%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.9%
Moderate Growth
4Q Net Income CAGR
22.6%
Profitability Improved
Cash Flow Stability
75%
Volatile Cash Flow

Deep Research

Next earnings:Apr 22, 2026
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