Valley National Bancorp (VLY) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Valley National Bancorp

NasdaqGS•Financial Services•Banks - Regional

$13.80+0.07(0.01%)After hours

Market Cap

$7.53B

P/E

10.9x

P/S

2.1x

P/B

1.0x

Valley National Bancorp operates as the holding company for Valley National Bank that provides various commercial, private banking, retail, insurance, and wealth management financial services products. The company operates through Consumer Banking, Commercial Banking, and Treasury and Corporate other segments. It offers non-interest bearing, savings, NOW, money market, and time deposit accounts; commercial and industrial, commercial real estate, construction, residential mortgage, and automobile loans; loans secured by the cash surrender value of life insurance; home equity loans and lines of credit; automobile financing; and secured and unsecured other consumer loans. The company also invests in various securities and interest-bearing deposits with other banks; and provides international banking services. In addition, it offers investment services for individuals and small to medium sized businesses; and trusts investment strategies designed for various investment profiles and objectives. Further, the company provides trust services, such as living and testamentary trusts, investment management, custodial and escrow services, and estate administration to individuals; tax credit advisory services; brokerage 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 private banking and management services. Additionally, it offers niche financial services, including loan and deposit products for homeowners associations, cannabis-related business banking, and venture banking; online, mobile, and telephone banking services; credit cards; and automated teller machine services. Valley National Bancorp was founded in 1927 and is headquartered in Morristown, New Jersey.

How this company scores

WeakMetricSide Score: 71/100

Grade capped at D — Interest coverage below 1× (0.7x) — earnings cannot cover interest. Strongest: Profitability (21/25); weakest: Growth (13/25).

Profitability21/25

Growth13/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality21/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

Grade capped at D

Interest coverage below 1× (0.7x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.9x5y range 6.3x – 13.7x

Currently near its 20-quarter median.

P/S · 2.1x5y range 1.0x – 3.8x

Currently near its 20-quarter median.

P/B · 1.0x5y range 0.5x – 1.1x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Revenue Decline

Watch

Revenue has softened, declining in 3 quarters. Watch for further erosion.

Price & Volume

Market Cap $7.53B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $3.56B
Q. Revenue: $903.09M
TTM EBITDA: $987.33M
TTM Op. Income: $951.02M
Q. Op. Income: $249.61M
TTM Net Income: $693.56M
Q. Net Income: $170.88M
EPS: $0.3
Shares Out.: $553.74M

$3.56B in TTM revenue grew 1.2% YoY, reaching $903.09M last quarter. TTM EBITDA of $987.33M and TTM operating income of $951.02M show growth is flowing through to the bottom line. TTM net income of $693.56M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 3 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 62.1%
EBITDA Margin: 28.3%
Op. Margin: 27.6%
Net Margin: 18.9%

Op. margin of 27.6% is up 3.3% YoY — cost efficiency is improving. Net margin at 18.9% and gross margin of 62.1% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 14% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.9x
P/S Ratio: 2.1x
P/B Ratio: 1.0x

At 10.9x P/E, the stock trades below typical market levels. P/S of 2.1x and P/B of 1.0x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 2% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $66.32B
Cash: $966.89M
Long-Term Debt: $57.98M
Book Value: $7.92B
D/E Ratio: 0.0
Debt/EBITDA: 0.2

With $66.32B in assets and $57.98M in long-term debt, D/E is 0.0and book value is $7.92B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $163.54M
TTM Free Cash Flow: $558.29M
FCF Margin: 15.7%
FCF / Net Income: 0.8

TTM FCF of $558.29M on $163.54M in operating cash flow. The FCF / Net Income ratio of 0.8x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.