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VLY
Valley National Bancorp
$13.99
-0.11
(-0.75%)
| Exchange: | NASDAQ |
| Market Cap: | 7.75B |
| Shares Outstanding: | 88.936M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Ira D. Robbins | |||||
| Full Time Employees: | 3675 | |||||
| Address: |
| |||||
| Website: | https://www.valley.com |
Valley National Bancorp, the holding company for Valley National Bank, delivers an extensive array of financial services encompassing commercial, retail, insurance, and wealth management. Its operations are organized into three core segments: Commercial Lending, Consumer Lending, and Investment Management. The institution accepts a variety of deposits, including non-interest-bearing, savings, NOW, money market, and time accounts. Its diverse lending portfolio features commercial and industrial loans, commercial and residential real estate mortgages, automobile financing, and loans backed by the cash surrender value of life insurance. Valley National also provides home equity loans and credit lines, as well as other secured and unsecured consumer loans. The company strategically invests in various securities and interest-bearing deposits with other banks. For international clients, it offers services like standby and documentary letters of credit, foreign exchange transactions, documentary collections, international wire transfers, and transaction accounts for non-resident aliens. Furthermore, the company furnishes investment services for individuals and small to medium-sized businesses, alongside trusts and custom-tailored investment strategies for a range of retirement plans. Its comprehensive trust offerings include living and testamentary trusts, investment management, custodial and escrow services, and estate administration. Additional services comprise tax credit advisory, a full spectrum of insurance agency services (property, casualty, life, health, and title), healthcare equipment lending, other commercial equipment leasing, and real estate-related investments. Customers benefit from modern conveniences such as online, mobile, and telephone banking, overdraft protection, drive-in and night deposit options, ATMs, remote deposit capture, and safe deposit boxes. As of December 31, 2021, Valley National Bancorp operated 232 branch locations across New Jersey, New York, Florida, and Alabama. The company was founded in 1927 and maintains its headquarters in New York, New York.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 3,353,340 | 3,571,593 | 3,492,766 |
| Gross Profit | 1,834,302 | 1,533,416 | 1,884,152 |
| EBITDA | 761,537 | 517,353 | 812,588 |
| Operating Income | 678,332 | 438,519 | 743,870 |
| Net Income | 498,511 | 380,271 | 597,983 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 60,934,974 | 62,491,691 | 64,132,725 |
| Total Liabilities | 54,233,583 | 55,056,564 | 56,325,027 |
| Total Stockholders Equity | 6,701,391 | 7,435,127 | 7,807,698 |
| Total Debt | 3,707,098 | 3,692,631 | 3,802,753 |
| Cash and Cash Equivalents | 891,225 | 1,890,125 | 315,166 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 378,192 | 548,540 | 0 |
| Capital Expenditure | 0 | 0 | 0 |
| Free Cash Flow | 378,192 | 548,540 | 0 |
| Net Income | 498,511 | 380,271 | 597,983 |
| Net Change in Cash | -56,722 | 998,900 | -1,890,125 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 2,586,834.992 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 2,736,283.867 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 2,663,372.985 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 756,900.648 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 800,628.969 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 779,295.450 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 971,906.359 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 988,353.355 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 980,129.857 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 564,584.309 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 597,201.963 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 581,288.950 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 1.740 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 1.750 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 1.720 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 4 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 2 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Attractive Dividend Yield and Income Potential: VLY offers a 5% dividend yield, as highlighted in recent news, with a total return potential of 14%. This is further supported by consistent quarterly dividend declarations and recognition as a top income stock by Zacks Rank #1, appealing to income-focused investors.
- Undervaluation Relative to Book Value: The stock is trading below tangible book value, suggesting it is undervalued and presenting a potential buying opportunity for value investors, as noted in Seeking Alpha’s analysis.
- Strong Historical Revenue Growth: Revenue has grown from $634 million in 2015 to $1.85 billion in 2024, reflecting a robust long-term growth trajectory in the regional banking sector, supported by diversified services across commercial, retail, and wealth management.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates VLY intrinsic value between $12.29 – $15.58 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about VLY valuation
Is Valley National Bancorp (VLY) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Valley National Bancorp (VLY) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is VLY a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether VLY trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is VLY’s P/E ratio?
You can see VLY’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for VLY?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is VLY a good long-term investment?
Whether VLY fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
VLY
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
-0.75
Trading Metrics:
| Open: | 13.97 | Previous Close: | 14.09 | |
| Day Low: | 13.83 | Day High: | 14.04 | |
| Year Low: | 9.64 | Year High: | 15.2 | |
| Price Avg 50: | 14.56 | Price Avg 200: | 13.04 | |
| Volume: | 2.28M | Average Volume: | 6.444M |
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Login — it's freeVLY full analysis
Welcome to MARKETSNAP’s SWOT analysis for Valley National Bancorp, also known by its ticker VLY. If you’re a long-term investor looking to dig into the financial sector, you’ve come to the right place. Today, we’re breaking down Valley National Bancorp, a key player in the banking industry, to see what makes it tick and whether it’s a solid addition to your portfolio. Let’s dive into the company, check out some recent developments, and then get into the meat of our…
