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VLY
Valley National Bancorp
$12.42
-0.02
(-0.16%)
| Exchange: | NASDAQ |
| Market Cap: | 6.926B |
| Shares Outstanding: | 88.936M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Ira D. Robbins | |||||
| Full Time Employees: | 3732 | |||||
| Address: |
| |||||
| Website: | https://www.valley.com |
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.
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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 | 743,870 |
| 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 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 2,608,031.092 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 2,608,031.097 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 2,608,031.095 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 752,840.289 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 752,840.290 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 752,840.290 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 967,609.955 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 1,028,137.380 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 997,873.668 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 569,210.420 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 569,210.421 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 569,210.420 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 1.770 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 1.820 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 1.720 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 2 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full 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.
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
-0.16
Trading Metrics:
| Open: | 12.24 | Previous Close: | 12.44 | |
| Day Low: | 12.14 | Day High: | 12.45 | |
| Year Low: | 7.48 | Year High: | 13.87 | |
| Price Avg 50: | 12.58 | Price Avg 200: | 11.06 | |
| Volume: | 4.778M | Average Volume: | 8.352M |
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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…
