Stocks · Financial Services · Banks - Regional
Valley National Bancorp VLY
$12.82 +1.18% Close, Oct 2, 2026 · NASDAQ · Market cap $7.10B
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $1.20, up 53.8% year over year.
- Net debt is 5.3× EBITDA, a high level of leverage.
- Revenue over the last four quarters was $2.98B, down 15.1% from a year earlier, slowing from -0.1% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth35Weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 8%
- EPS growth (TTM, YoY)Top 20%
- FCF growth (TTM, YoY)Top 32%
- Revenue growth, 3-year CAGRTop 42%
- Revenue growth accelerationBottom 12%
Quality20Very weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 40%
- Gross marginBottom 23%
- Operating marginBottom 32%
- Cash conversion (OCF / net income)Bottom 31%
- Accruals (lower is better)Bottom 29%
- Net debt / EBITDA (lower is better)Bottom 23%
- Interest coverBottom 18%
Value65Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 21%
- Free-cash-flow yieldBottom 49%
- EBITDA / enterprise valueBottom 40%
- Sales / enterprise valueTop 49%
- P/E vs own 5-year history (lower is better)Top 31%
Momentum45Neutral
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 23%
- 6-month returnBottom 44%
- 1-year return vs S&P 500Top 30%
- Distance from 52-week highBottom 33%
- Trend checklist (0–4)Bottom 27%
Revisions57Neutral
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 49%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 31%
- Upside to consensus price targetTop 22%
Stability21Very weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 48%
- Maximum drawdown, 3 yearsBottom 25%
- Beta vs S&P 500 (lower is better)Bottom 26%
- Net debt / EBITDA (lower is better)Bottom 23%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -0.1% | -15.1% | ↓ |
| EPS growth (YoY) | 60.9% | 53.8% | ↓ |
| Gross margin | 46.4% | 50.5% | ↑ |
| Operating margin | 15.0% | 14.5% | ↓ |
| FCF margin | 10.7% | 18.6% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -15.1% | -0.1% | ↓ | Bottom 8% |
| EPS growth (TTM, YoY) | 53.8% | 60.9% | ↓ | Top 20% |
| Gross margin | 50.5% | 46.4% | ↑ | Bottom 23% |
| Operating margin | 14.5% | 15.0% | ↓ | Bottom 32% |
| Net margin | 23.3% | 12.9% | ↑ | — |
| Free-cash-flow margin | 18.6% | 10.7% | ↑ | — |
| Return on invested capital | 2.8% | — | Top 40% | |
| Revenue growth, 3-year CAGR | 17.0% | — | Top 42% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.83×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 2.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +20.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 5.35×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.49%
- Net buyback yield (TTM)
- 1.61%
- Shareholder yield
- 5.10%
- Share count change, 1 year
- -1.0%
- Share count change, 3-year CAGR
- +3.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- +4.6%
- Average 2-day reaction, last 8
- +1.9%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $16.50
- Target vs current price
- +28.7%
- Analysts with a rating
- 21
- Share rating Buy or Strong Buy
- 62%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | -2.8% | -0.5% | -1.7% | -0.6% | — |
| Apr 23, 2026 | +5.8% | +3.9% | +0.5% | +0.8% | +10.7% |
| Jan 29, 2026 | +6.9% | +3.3% | +9.1% | +9.0% | +9.0% |
| Oct 23, 2025 | +8.6% | +4.2% | +8.2% | +3.8% | +16.4% |
| Jul 24, 2025 | +4.5% | -1.8% | -3.2% | +0.5% | +0.2% |
| Apr 24, 2025 | -5.3% | +1.2% | -0.3% | +0.0% | +10.4% |
| Jan 23, 2025 | -13.3% | -0.2% | +3.5% | +0.4% | -15.8% |
| Oct 24, 2024 | +0.0% | +5.3% | +6.3% | +11.3% | +7.5% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.30 | $0.31 | -2.8% | $560.7M |
| Apr 23, 2026 | $0.29 | $0.27 | +5.8% | $540.4M |
| Jan 29, 2026 | $0.31 | $0.29 | +6.9% | $541.2M |
| Oct 23, 2025 | $0.28 | $0.26 | +8.6% | $511.1M |
| Jul 24, 2025 | $0.23 | $0.22 | +4.5% | $495.0M |
| Apr 24, 2025 | $0.18 | $0.19 | -5.3% | $478.4M |
| Jan 23, 2025 | $0.13 | $0.15 | -13.3% | $474.6M |
| Oct 24, 2024 | $0.18 | $0.18 | +0.0% | $463.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.7× | 11.8× | 33th | Top 21% |
| P/E (forward) | 10.1× | — | — | — |
| EV / EBITDA | 20.6× | — | — | Bottom 40% |
| EV / Sales | 3.22× | — | — | Top 49% |
| Free-cash-flow yield | 7.82% | — | — | Bottom 49% |
| Earnings yield | 9.36% | — | — | Top 21% |
P/E over the past five years
Range 6.3× – 16.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +21.2%
- Earnings per share growth (TTM)
- +53.8%
- Change in P/E multiple
- +2.4%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -3.8%
- 200-day average slope (20 days)
- +1.6%
- Distance from 50-day average
- -8.1%
- Distance from 200-day average
- -3.8%
- RSI (14)
- 34.3
- Relative volume
- 0.75×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 20.1%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.91
- Correlation with S&P 500
- 0.50
- Current drawdown from 1-year high
- -15.6%
- Maximum drawdown, 3 years
- -41.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 14, 2022 | Jun 14, 2024 | -56.6% | 606 days | 521 days (Jul 16, 2026) |
| May 17, 2021 | Sep 21, 2021 | -19.3% | 88 days | 45 days (Nov 23, 2021) |
| Jul 16, 2026 | Sep 30, 2026 | -16.9% | 53 days | Not yet recovered |
| Nov 23, 2021 | Dec 20, 2021 | -12.0% | 18 days | 17 days (Jan 13, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $7.10B
- P/E (TTM)
- 10.7
- EPS, diluted (TTM)
- $1.20
- Revenue (TTM)
- $2.98B
- Dividend yield
- 3.43%
- 52-week range
- $9.64 – $15.20
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.49B | $2.18B | $3.35B | $3.57B | $3.49B |
| Gross profit | $1.33B | $1.81B | $1.83B | $1.53B | $1.88B |
| Operating income | $640.7M | $780.7M | $678.3M | $438.5M | $743.9M |
| Net income | $473.8M | $568.9M | $498.5M | $380.3M | $598.0M |
| EPS (diluted) | $1.12 | $1.14 | $0.95 | $0.69 | $1.01 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $913.9M | $886.5M | $843.1M | $867.6M | $891.8M | $892.1M | $871.6M | $326.2M |
| Net income | $97.9M | $115.7M | $106.1M | $133.2M | $163.4M | $195.4M | $163.9M | $170.9M |
| EPS (diluted) | $0.18 | $0.20 | $0.18 | $0.22 | $0.28 | $0.33 | $0.28 | $0.31 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $837.1M | $1.43B | $378.2M | $548.5M | $343.8M |
| Capital expenditure | $0 | $0 | $0 | $0 | $0 |
| Free cash flow | $837.1M | $1.43B | $378.2M | $548.5M | $343.8M |
| Dividends paid | -$179.7M | -$206.0M | -$225.4M | -$228.2M | -$248.9M |
| Net share buybacks | -$12.7M | -$24.0M | -$7.5M | $442.3M | -$55.3M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $9.13B
- Total assets
- $66.32B
- Total liabilities
- $58.40B
- Total debt
- $3.45B
- Net debt
- $2.49B
- Shareholders’ equity
- $7.92B
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 15, 2026 | $0.11 | Oct 1, 2026 |
| Jun 15, 2026 | $0.11 | Jul 1, 2026 |
| Mar 13, 2026 | $0.11 | Apr 1, 2026 |
| Dec 15, 2025 | $0.11 | Jan 2, 2026 |
| Sep 15, 2025 | $0.11 | Oct 1, 2025 |
| Jun 13, 2025 | $0.11 | Jul 1, 2025 |
| Mar 14, 2025 | $0.11 | Apr 1, 2025 |
| Dec 13, 2024 | $0.11 | Jan 2, 2025 |
Short interest
- Shares sold short
- 46,365,927
- Days to cover
- 8.57
- Change vs previous report
- +8.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 9, 2012
- 21-for-20
- May 4, 2011
- 21-for-20
- May 5, 2010
- 21-for-20
- May 6, 2009
- 21-for-20
- May 7, 2008
- 21-for-20