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VLYPO

Valley National Bancorp

VLYPO

Valley National Bancorp • NASDAQ
$25.28 ▲ 0.10% (+0.03)
Market Cap $5.50 B
52w High $25.74
52w Low $22.73
Dividend Yield 2.08%
P/E 22.77
Volume 1.48K
Outstanding Shares 217.45M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $721.583M ▼ $146.82M ▼ $147.464M ▲ 20.436% ▲ $0.28 ▲ $209.955M ▲
Q2-2025 $867.612M ▲ $284.122M ▲ $133.167M ▲ 15.349% ▲ $0.23 ▲ $190.548M ▲
Q1-2025 $843.06M ▼ $276.618M ▼ $106.058M ▼ 12.58% ▼ $0.18 ▼ $157.031M ▲
Q4-2024 $886.457M ▼ $278.582M ▲ $115.711M ▲ 13.053% ▲ $0.2 ▲ $109.978M ▼
Q3-2024 $913.9M $262.137M $97.856M 10.708% $0.18 $145.101M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $1.609B ▲ $63.019B ▲ $55.323B ▲ $7.695B ▲
Q2-2025 $1.543B ▼ $62.705B ▲ $55.13B ▲ $7.575B ▲
Q1-2025 $1.578B ▼ $61.866B ▼ $54.366B ▼ $7.5B ▲
Q4-2024 $2.124B ▲ $62.492B ▲ $55.057B ▼ $7.435B ▲
Q3-2024 $1.082B $62.092B $55.12B $6.972B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $163.355M ▲ $5.159M ▼ $-92.652M ▲ $271.516M ▼ $184.023M ▲ $5.159M ▼
Q2-2025 $133.167M ▲ $159.154M ▲ $-981.284M ▼ $784.85M ▲ $-37.28M ▲ $159.154M ▲
Q1-2025 $106.058M ▼ $-17.122M ▼ $-175.31M ▼ $-473.996M ▼ $-666.428M ▼ $-17.122M ▼
Q4-2024 $115.711M ▲ $392.196M ▲ $469.443M ▲ $-11.419M ▼ $850.22M ▲ $392.196M ▲
Q3-2024 $97.856M $-157.168M $-163.484M $351.484M $30.832M $-157.168M

Revenue by Products

Product Q2-2024Q3-2024Q4-2024Q2-2025
Deposit Account
Deposit Account
 $10.00M ▲$10.00M ▲$10.00M ▲$10.00M ▲
Investment Advisory Management and Administrative Service
Investment Advisory Management and Administrative Service
 $10.00M ▲$20.00M ▲$20.00M ▲$10.00M ▼

Five-Year Company Overview

Income Statement

Income Statement Revenue has grown steadily over the past several years, helped by expansion and a broader business mix. However, profit margins have come under pressure. Operating income and net income peaked a few years ago and have since trended lower, even as revenue rose. This suggests higher funding costs, credit costs, and rising technology and compliance spending are weighing on profitability. Earnings per share have also drifted down from their highs, indicating that while the franchise is growing, it is currently doing so with thinner returns than in the recent past.

Balance Sheet

Balance Sheet The balance sheet has expanded meaningfully, reflecting a larger loan book and broader operations. Shareholders’ equity has grown at a healthy pace, which points to retained earnings and a stronger capital base over time. Debt levels have moved up compared with earlier years but not in a dramatic way, and the bank still appears to rely mainly on deposits and core banking funding. Cash balances move around year to year, which is typical for a bank, but do not appear extreme. Overall, the balance sheet looks larger and somewhat stronger, though ongoing monitoring of loan quality—especially commercial real estate—remains important.

Cash Flow

Cash Flow Underlying cash generation is positive but somewhat uneven. Operating cash flow has swung from very strong to more moderate levels over the last few years, which is common in banking as balance sheet mix and interest rates shift. Because the business is not capital‑intensive in a traditional manufacturing sense, free cash flow closely tracks operating cash flow. The pattern suggests the bank can fund its own growth and investments, but cash flows are clearly sensitive to the interest‑rate environment and changes in lending and deposit behavior.

Competitive Edge

Competitive Edge Valley National operates as a regional bank with a long history and deep community ties in attractive markets such as New Jersey, New York, and Florida. Its strength comes from a diversified model across commercial, consumer, and wealth management, rather than reliance on a single niche. Relationship‑based banking and a “holistic” service approach help it defend against both large national banks and pure‑digital challengers. Management has also been actively reshaping the loan book, dialing back concentrated commercial real estate exposure and pushing toward more relationship‑based, lower‑cost deposits, which should help resilience in tougher cycles. The long record of uninterrupted dividends underscores a conservative culture, though it does not remove credit or interest‑rate risk.

Innovation and R&D

Innovation and R&D The bank is leaning into technology and partnerships instead of trying to build everything alone. Its innovation platform and work with fintech partners give it a structured way to test new ideas and bring digital products to market faster. Implementing systems like Salesforce and nCino helps create a single view of customers and streamlines lending and onboarding, which can improve service and efficiency over time. Recent increases in technology spending show a clear commitment to digital banking, automation, cybersecurity, and early use of data analytics and AI. The opportunity is to modernize the bank without losing its relationship focus; the risk is that execution missteps or rising tech costs could further pressure near‑term profitability.

Summary

Valley National Bancorp today looks like a larger, more complex regional bank that is in the middle of a strategic transition. Revenue and the balance sheet have grown meaningfully, but earnings quality has softened as the cost of funding, credit risk management, and technology investments have all increased. At the same time, the bank is methodically reshaping its loan portfolio, strengthening deposits, and investing heavily in digital capabilities and fintech partnerships. The core strengths are its diversified business model, entrenched regional presence, and long-standing dividend culture. Key uncertainties revolve around how well it manages credit risk—especially in commercial real estate—controls funding costs, and turns its sizable technology push into sustainably higher profitability rather than just higher expenses.