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VLYPP

Valley National Bancorp

VLYPP

Valley National Bancorp • NASDAQ
$25.25 ▼ -0.51% (-0.13)
Market Cap $5.44 B
52w High $26.11
52w Low $21.71
Dividend Yield 1.71%
P/E 22.75
Volume 2.21K
Outstanding Shares 215.28M

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 Q2-2024Q3-2024Q4-2024Q3-2025
Deposit Account
Deposit Account
 $10.00M ▲$10.00M ▲$40.00M ▲$20.00M ▼
Investment Advisory Management and Administrative Service
Investment Advisory Management and Administrative Service
 $10.00M ▲$20.00M ▲$50.00M ▲$20.00M ▼

Five-Year Company Overview

Income Statement

Income Statement Valley National Bancorp has grown its revenue steadily over the past five years, which suggests the bank has been successful in expanding its customer base and product usage. However, the cost of generating that revenue has gone up. Profit margins have narrowed compared with recent peaks, and earnings per share have moved down from their highs. In plain terms: the bank is doing more business than before, but it is earning less on each dollar of activity than it did a couple of years ago, likely reflecting higher funding costs, competitive pricing, and a tougher rate environment.

Balance Sheet

Balance Sheet The balance sheet has grown meaningfully, with total assets increasing over time and shareholder equity also rising. This points to an expanding franchise with a larger presence in its markets. Debt levels have edged up versus earlier years but do not look out of line for a regional bank, and equity growth provides a cushion against shocks. Cash levels move around from year to year, which is typical for a bank that manages deposits and loans actively rather than holding large idle cash balances. Overall, it looks like a bigger, more capitalized institution than it was five years ago, but still sensitive to credit quality and interest-rate conditions.

Cash Flow

Cash Flow Operating cash flow has been positive overall but quite volatile year to year, which is normal for a bank because changes in loans and deposits can swing cash flows significantly. There was one particularly strong year of cash generation, with more moderate levels before and after. Free cash flow essentially matches operating cash flow, since traditional capital spending is minimal for a financial institution. The key takeaway is that the bank has generally generated cash from its core operations, but that cash profile is uneven and heavily influenced by the credit cycle and balance sheet movements.

Competitive Edge

Competitive Edge Valley positions itself as a relationship-focused regional bank with a strong deposit base, which is a key advantage in a high-rate world where funding costs matter a lot. Its strategy of “holistic banking” aims to deepen ties with customers across deposits, lending, and wealth services, making relationships stickier and less price-sensitive. The bank stands out in a few niches, especially cannabis banking, where it offers specialized services in a market many banks avoid. It is also leaning into commercial and industrial lending to diversify away from any single sector. These strengths are balanced by typical regional-bank risks: reliance on local and sector-specific economies, exposure to credit cycles, and competition from both larger banks and nimble fintechs.

Innovation and R&D

Innovation and R&D Instead of classic R&D, Valley’s innovation engine is built on partnerships and targeted technology investment. It has embraced fintech collaborators to speed up testing and deployment of new tools, using platforms that let it plug in and trial third-party solutions quickly. The bank offers a robo-advisory investment service integrated into its mobile app, and uses artificial intelligence to help with fraud detection and compliance, aiming to make operations more efficient and safer. It has a clear technology roadmap focused on modernizing systems, expanding digital banking, and moving toward a more proactive, AI-assisted customer experience. For a regional bank, this is a relatively advanced, partnership-driven approach, but success will depend on smooth execution and user adoption over time.

Summary

Valley National Bancorp today looks like a larger, more complex regional bank than it was five years ago: revenue and assets have grown, equity has built up, and the franchise appears broader and more diversified. At the same time, profitability has come off its best levels, with earnings under pressure even as the business base expands, reflecting the realities of a more competitive and rate-sensitive environment. Cash generation from operations has been positive but choppy, which is typical for banks. Strategically, Valley is trying to differentiate itself through strong customer relationships, a solid deposit base, niche strengths like cannabis banking, and a forward-leaning technology and fintech-partnership model. The main questions going forward are how well it manages credit and funding in a changing economic backdrop, and whether its tech and niche strategies translate into more durable, higher-quality earnings over time.