Valley National Bancorp (VLY)
Overview
Valley National Bancorp operates as the holding company for Valley National Bank that provides various commercial, retail, insurance, and wealth management financial services products. It operates through Commercial Lending, Consumer Lending, and Investment Management 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; 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, foreign wire transfers services, and transaction accounts for non-resident aliens. In addition, the company offers investment services for individuals and small to medium sized businesses; and trusts and custom -tailored investment strategies for various retirement plans. 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; 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; and overdraft, drive-in and night deposit, automated teller machine, remote deposit capture, and safe deposit facility services. As of December 31,2021, it operated 232 branch offices in New Jersey, New York, Florida, and Alabama. The company was incorporated in 1927 and is headquartered in New York, New York.
Explore More Data
Key Information
Stock Snapshot (Updated: Nov 05 04:00 PM EST)
Capital Structure (Updated: Nov 05 04:00 PM EST)
Calendar Events (Upcoming Earnings & Revenue Forecasts)
| Earnings | |
| Earnings Date (Estimated) | 2026-01-22 |
| Earnings Call (Estimated) | 2025-10-23 |
| Avg EPS Estimate | 0.2878 |
| Low EPS Estimate | 0.28 |
| High EPS Estimate | 0.3 |
| Revenue | |
| Avg Revenue Forecast | 524,816,870 |
| Low Revenue Forecast | 521,457,520 |
| High Revenue Forecast | 529,000,000 |
VLY Liquidity Indicators Shows key metrics that reflect cash availability and short-term payment ability
| Field | Value | Description |
|---|---|---|
| Cash Holdings | $1,370,439,936 | Cash on hand, which directly shows a company's ability to meet short-term obligations. |
| Quick Ratio | 0 | The quick ratio, which excludes inventory, measures short-term solvency; a value above 1 is considered relatively safe. |
| Current Ratio | 0 | The current ratio, calculated as current assets divided by current liabilities; the higher the value, the better the liquidity. |
| Total Debt | $3,392,519,936 | Total liabilities, used together with cash and liquidity ratios to assess debt burden. |
VLY Profitability Indicators Shows key metrics that reflect overall earnings, margins, and core business profitability
| Field | Value | Description |
|---|---|---|
| EBITDA | $0 | EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization), which measures the profitability of core operations. |
| Operating Cash Flow | $0 | Operating cash flow, which reflects a company's cash-generating ability. |
| Free Cash Flow | $0 | Free cash flow, after deducting capital expenditures, which can be used for dividends or reinvestment. |
| Gross Margin | 0.00% | Gross margin; a higher value indicates stronger product profitability. |
| Operating Margin | 47.69% | Operating margin; slightly negative, indicating high operating costs. |
| Profit Margin | 30.41% | Net profit margin, which reflects overall profitability. |
VLY Leverage & Financial Health Indicators Shows key metrics that reflect debt levels, liquidity, and overall financial stability
| Field | Value | Description |
|---|---|---|
| Debt/Equity Ratio | 0.00% | Low leverage level, indicating the company has low debt pressure. |
| Total Debt | $3,392,519,936 | Used together with cash and EBITDA to assess debt-paying ability. |
VLY Growth Indicators Shows key financial metrics that reflect profitability, cash flow, and business expansion
| Field | Value | Description |
|---|---|---|
| Revenue Growth (YoY) | 26.30% | Rapid revenue growth, indicating fast business expansion. |
| Earnings Growth (YoY) | 54.30% | Significant EPS growth, indicating rapid improvement in profitability. |
Financial Data for VLY (Key ratios, margins, and cash flow)
| Field | Value | Description |
|---|---|---|
| Current Price | $10.93 | Latest stock trading price |
| Price Target (High) | $15 | Analyst highest expected price |
| Price Target (Low) | $11 | Analyst lowest expected price |
| Price Target (Average) | $13.46 | Average target price across analysts |
| Price Target (Median) | $13.5 | Median of target prices |
| Average Rating Score | 1.64 | Average analyst rating (1=Strong Buy, 5=Sell) |
| Consensus Recommendation | buy | Consensus rating |
| Analyst Coverage Count | 13 | Number of analysts providing estimates |
| Cash Holdings | $1,370,439,936 | Total cash held by the company |
| Cash per Share | $2.44 | Cash value per outstanding share |
| Total Debt | $3,392,519,936 | Company's total debt |
| Quick Ratio | 0 | Ability to cover short-term liabilities (excludes inventory) |
| Current Ratio | 0 | Overall short-term liquidity |
| Debt/Equity Ratio | 0.00% | Leverage ratio: Debt / Equity |
| EBITDA | $0 | Earnings before interest, taxes, depreciation & amortization |
| Total Revenue | $1,704,193,024 | Total company revenue |
| Revenue per Share | $3.075 | Total revenue divided by shares outstanding |
| Gross Profit | 0.00% | Revenue minus cost of goods sold |
| Return on Assets | 0.83% | Net income / Total assets |
| Return on Equity | 7.07% | Net income / Shareholder equity |
| Earnings Growth (YoY) | 54.30% | Year-over-year EPS growth |
| Revenue Growth (YoY) | 26.30% | Year-over-year revenue growth |
| Gross Margin | 0.00% | Gross profit / Total revenue |
| EBITDA Margin | 0.00% | EBITDA / Revenue |
| Operating Margin | 47.69% | Operating income / Revenue |
| Profit Margin | 30.41% | Net income / Revenue |
| Free Cash Flow | $0 | Cash left after capital expenditures |
| Operating Cash Flow | $0 | Cash from core business operations |
| Currency | USD | Reported in US dollars |
| Last Updated | 2025-11-05 | Data source from Yahoo |