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VALLEY NATIONAL BANCORP

VLY

$14.54 ▲ +0.06 (+0.41%) at close

19 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

VALLEY NATIONAL BANCORP shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $8.1B

Dividend Yield 3.03%

Revenue Growth 9.3% ↗

Op. Margin 36.7% ↗

ROIC None

FCF / Share None

Trailing P/E 14.3x

Price / Book 1.0x

FCF Yield —

Debt / Equity 0.01

info Valuation on last close. End-of-day price, Aug 7, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$2.03B

↑ +9.3% —

Net Income Profit after all expenses

$597.98M

↑ +57.3% —

Operating Margin Operating profit as % of sales

36.7%

↑ +55.2% 92th

Long-Term Debt Long-term obligations

$1.65B

↓ -28.6% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.44 Latest / share

+0.0% YoY

+0.0% 11-yr CAGR

$0.44

FY 2014

$0.44

FY 2015

$0.44

FY 2016

$0.44

FY 2017

$0.44

FY 2018

$0.44

FY 2019

$0.44

FY 2020

$0.44

FY 2021

FY 2022

$0.44

FY 2023

$0.44

FY 2024

$0.44

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	9.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+55%)	-2.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-133%)	1.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-74%)	36.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+508%)	4.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-19%)	17.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+184%)	12.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+104%)	28.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+374%)	7.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+16%)	13.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+129%)	14.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+147%)	-4.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-169%)	-5.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-194%)	4.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-33%)	6.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	6.2% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	23.0% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+283%)	—	—
EPS Growth YoY (%)	45.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-26.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-16.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.9% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	20.2% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	6.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	17.3% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	29.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-7.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	50.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-25.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-15.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-9.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-7.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	1.3% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	21.9% Good Good Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	57.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-23.7% Weak ↓ Weak Declining Year-over-year change in net income	-12.4% Weak ↓ Weak Declining Year-over-year change in net income	20.1% Good ↓ Good Declining Year-over-year change in net income	21.3% Good ↓ Good Declining Year-over-year change in net income	26.1% Excellent → Excellent Stable Year-over-year change in net income	18.5% Good ↓ Good Declining Year-over-year change in net income	61.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-3.7% Weak ↓ Weak Declining Year-over-year change in net income	63.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-11.4% Weak ↓ Weak Declining Year-over-year change in net income	-12.0% Weak ↓ Weak Declining Year-over-year change in net income	-8.1% Weak ↓ Weak Declining Year-over-year change in net income	7.5% Fair ↓ Fair Declining Year-over-year change in net income	1.9% Caution ↓ Caution Declining Year-over-year change in net income	13.0% Fair Fair Year-over-year change in net income	24.0% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	2.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	10.7% Good ↓ Good Declining Compound annual revenue growth over 3 years	13.3% Good ↓ Good Declining Compound annual revenue growth over 3 years	18.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	11.3% Good ↓ Good Declining Compound annual revenue growth over 3 years	19.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	15.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	16.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	11.8% Good ↑ Good Improving Compound annual revenue growth over 3 years	7.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	1.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-2.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	5.4% Fair Fair Compound annual revenue growth over 3 years	11.5% Good Good Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	9.2% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.7% Good ↓ Good Declining Compound annual revenue growth over 5 years	13.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	19.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	13.6% Excellent → Excellent Stable Compound annual revenue growth over 5 years	15.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	15.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	11.5% Good ↑ Good Improving Compound annual revenue growth over 5 years	4.8% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	2.7% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	1.2% Caution Caution Compound annual revenue growth over 5 years	6.3% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-3.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-14.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	0.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	9.0% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	14.6% Good ↓ Good Declining Compound annual EPS growth over 3 years	17.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	11.8% Good ↑ Good Improving Compound annual EPS growth over 3 years	21.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	1.2% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-1.5% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-16.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-10.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-5.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	4.5% Caution Caution Compound annual EPS growth over 3 years	7.3% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	36.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	23.7% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-5%)	35.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	41.9% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+68%)	46.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+88%)	40.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+63%)	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	19.6% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.5% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.1% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.0% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.3% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	29.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	20.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	26.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	30.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	34.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	30.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	27.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	26.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	21.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	16.2% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	21.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	22.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	22.3% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	7.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	5.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-57%)	7.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	8.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	9.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	8.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	7.1% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	7.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	6.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	7.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	4.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	6.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	8.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	9.6% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	10.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	10.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	9.3% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	6.9% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Debt to Equity (x)	0.01x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	0.01x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	0.14x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.02x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	0.13x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.25x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	0.25x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	1.13x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-6%)	1.21x Caution → Caution Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	1.06x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-12%)	1.31x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+9%)	1.43x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+20%)	1.99x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+66%)	1.90x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+58%)	2.32x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+93%)	2.41x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+101%)	2.52x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+110%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$3.62	$3.59	$3.73	$3.84	$3.35	$3.22	$3.29	$2.99	$2.92	$2.83	$2.71	$2.69	$2.89	$3.10	$3.46	$3.28	$3.44	$2.95	—
Basic EPS, GAAP (USD)	$1.02	$0.70	$0.95	$1.14	$1.13	$0.94	$0.88	$0.75	$0.58	$0.63	$0.42	$0.56	$0.66	$0.73	$0.79	$0.78	$0.64	$0.64	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.44	$0.44	$0.44	—	$0.44	$0.44	$0.44	$0.44	$0.44	$0.44	$0.44	$0.44	$0.60	$0.65	$0.69	$0.69	$0.72	$0.72	—
Book Value per Share (USD)	$13.95	$14.42	$13.20	$13.19	$12.48	$11.37	$12.98	$10.11	$9.59	$9.33	$9.42	$9.06	$7.73	$7.61	$7.45	$7.66	$8.26	$9.48	—
Tangible Book Value per Share (USD)	$10.43	$10.54	$9.21	$8.93	$8.72	$7.78	$8.66	$6.61	$6.82	$6.44	$6.28	$6.07	$5.40	$5.29	$5.46	$5.63	$6.15	$9.48	—
Basic Weighted Avg Shares (shares)	559.64M	515.76M	507.53M	485.43M	407.45M	403.75M	337.79M	331.26M	264.04M	254.84M	234.41M	205.72M	199.31M	197.35M	169.93M	169.11M	151.68M	143.81M	—
Dividend Payout Ratio (%)	43.1% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	62.9% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	46.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	—	38.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	46.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	50.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	58.7% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	75.9% Caution ↓ Caution Declining Dividends paid as a percentage of earnings Optimal: 30-60%	69.8% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	104.8% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	78.6% Caution ↓ Caution Declining Dividends paid as a percentage of earnings Optimal: 30-60%	90.9% Weak → Weak Stable Dividends paid as a percentage of earnings Optimal: 30-60%	89.0% Caution ↓ Caution Declining Dividends paid as a percentage of earnings Optimal: 30-60%	87.3% Caution ↓ Caution Declining Dividends paid as a percentage of earnings Optimal: 30-60%	88.5% Caution ↓ Caution Declining Dividends paid as a percentage of earnings Optimal: 30-60%	112.5% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	112.5% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	—	$1.65B	$2.32B	$1.43B	$1.81B	$2.53B	$2.79B	$2.70B	$2.73B	$2.93B	$2.95B	—	—
Total Equity (USD)	$7.81B	$7.44B	$6.70B	$6.40B	$5.08B	$4.59B	$4.38B	$3.35B	$2.53B	$2.38B	$2.21B	$1.86B	$1.54B	$1.50B	$1.27B	$1.30B	$1.25B	$1.36B	$949.06M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$2.03B	$1.85B	$1.89B	$1.86B	$1.36B	$1.30B	$1.11B	$991.25M	$771.75M	$721.37M	$634.07M	$552.37M	$576.37M	$610.83M	$587.11M	$554.08M	$521.57M	$424.06M	—
Depreciation Expense (USD)	$38.10M	$43.70M	$43.40M	$41.20M	$28.80M	$30.60M	$29.40M	$27.60M	$24.80M	$24.40M	$21.10M	$19.50M	$19.70M	$18.50M	$16.40M	$15.80M	—	—	—
Net Income, GAAP (USD)	$597.98M	$380.27M	$498.51M	$568.85M	$473.84M	$390.61M	$309.79M	$261.43M	$161.91M	$168.15M	$102.96M	$116.17M	$131.96M	$143.63M	$133.65M	$131.17M	$116.06M	$93.59M	—
Operating Cash Flow (USD)	$343.83M	$548.54M	$378.19M	$1.43B	$837.14M	$163.56M	$229.93M	$593.59M	$619.23M	$419.18M	$154.93M	$183.98M	$285.36M	$323.31M	$191.34M	$279.01M	$104.55M	$935.37M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Net Interest Margin (approx.) (%)	2.7%	2.6%	2.7%	2.9%	2.8%	2.8%	2.4%	2.7%	2.7%	2.7%	2.5%	2.5%	2.8%	3.1%	3.3%	3.3%	3.1%	—	—
Efficiency Ratio (%) (%)	56.4%	59.7%	61.5%	55.0%	50.7%	49.6%	56.8%	63.5%	66.0%	66.0%	78.7%	73.0%	66.2%	61.4%	57.3%	57.3%	58.7%	67.3%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 19 years · 71 quarters

VALLEY NATIONAL BANCORP

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19-Year Financial Trajectory

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