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Valley Bank

VLY Nasdaq Regional Banks Financials FY2016–FY2025

Valley Bank's revenue rose 9.3% to $2.0 billion in fiscal 2025. Net income was $598 million, up 57.2%. Its return on equity was 7.8%, up from 5.4% a year earlier. Its efficiency ratio was 56.4%, down from 59.7% a year earlier. It paid out $312 million in dividends and buybacks. The diluted share count rose 8.8%.

Last close · Oct 23, 2026

$14.06

1.8%
Value it Compare
Revenue Total sales reported in the income statement.
$2.0B
9.3% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
56.4%
3.3 pts
Net income Profit after all expenses, interest and tax.
$598M
57.2%
Return on equity Net income as a share of average shareholders' equity.
7.9%
2.5 pts
Market cap Last close times the latest diluted share count, so it is approximate.
$7.9B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
11.9x
On $1.18 EPS (TTM)

What Valley Bank does

No business description yet.

Legal name
VALLEY NATIONAL BANCORP
Fiscal year ends
December 31, 2025
Latest annual report
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Accession · CIK
0000714310-26-000017
0000714310

Revenue and margins

Valley Bank had $2.0B of revenue in fiscal 2025, up 9.3% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

From fiscal 2016 to 2025, diluted EPS grew 5.4% a year. Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

Valley Bank returned $312M to shareholders in fiscal 2025. The diluted share count rose 8.9%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Value Valley Bank yourself

Change the assumptions and see what they imply per share. These are models, not forecasts or price targets — the answer depends entirely on what you put in.

Earnings multiple

Value per share

—

Reference multiples: today 11.9x · peers 14.8x · sector 13.7x.

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $33.8B$46.5B$49.8B$48.2B$49.6B
Deposits $35.6B$47.6B$49.2B$50.1B$52.2B
Loans / deposits 94.8%97.5%101.1%96.3%95.0%
Total assets $43.4B$57.5B$60.9B$62.5B$64.1B
Shareholders' equity $5.1B$6.4B$6.7B$7.4B$7.8B
Goodwill $1.5B$1.9B$1.9B$1.9B$1.9B
Intangible assets $70.4M$198M$160M$129M$101M
Provision / loans 0.1%0.1%0.1%0.6%0.3%

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

1 insider

Sold, 12 months

$1.6M

2 insiders

Of sales under plans

0%

$0.0M

DateInsiderTradeSharesPriceValueFiling
Jun 12, 2026 Mitchell L CrandellEVP & Chief Accounting Officer Sold 25,495 $14.63 $0.4M Form 4
Apr 27, 2026 Russell BarrettSevp, Chief Operating Officer Sold 90,537 $13.54 $1.2M Form 4
Feb 17, 2026 Carlos J VazquezDirector Bought 2,500 $13.45 $0.0M Form 4

Similar companies

Each company's latest fiscal year. Fiscal years end in different months, so periods don't line up exactly.

CompanyMarket capGrowthOp. marginFCF marginROICP/EF-score
Valley Bank VLY $7.9B 9.3% — — — 11.9x —
Pinnacle Financial Partners PNFP $7.8B 18.3% — — — 24.9x — Compare →
Flagstar Bank FLG $4.3B −19.2% — — — — — Compare →
Frost Bank CFR $10.1B 8.3% — — — 14.8x — Compare →
Columbia Banking System COLB $7.4B 19.3% — — — 12.1x — Compare →

10 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $721M $772M $991M $1.1B $1.3B $1.4B $1.9B $1.9B $1.9B $2.0B
Net interest income $613M $660M $857M $898M $1.1B $1.2B $1.7B $1.7B $1.6B $1.8B
Noninterest income $108M $112M $134M $215M $183M $155M $207M $226M $225M $262M
Noninterest expense $476M $509M $629M $632M $646M $692M $1.0B $1.2B $1.1B $1.1B
Provision for credit losses $11.9M $9.9M $32.5M $24.2M $124M $27.5M $48.2M $50.8M $314M $142M
Pretax income $233M $253M $330M $457M $530M $641M $781M $678M $439M $744M
Income tax $65.2M $90.8M $68.3M $147M $140M $167M $212M $180M $58.2M $146M
Net income $168M $162M $261M $310M $391M $474M $569M $499M $380M $598M
Net income to common $161M $153M $249M $297M $378M $461M $556M $482M $359M $569M
Diluted EPS $0.63 $0.58 $0.75 $0.87 $0.93 $1.12 $1.14 $0.95 $0.69 $1.01
Diluted shares 0.26B 0.26B 0.33B 0.34B 0.41B 0.41B 0.49B 0.51B 0.52B 0.56B
Cash flow
Stock-based compensation $10.0M $12.2M $19.5M $14.7M $16.2M $20.9M $28.8M $33.1M $29.0M $27.3M
Share buybacks $3.2M $2.6M $3.8M $1.8M $5.4M $23.9M $24.1M $2.1M $0.0M $63.0M
Dividends paid $112M $116M $139M $147M $178M $180M $206M $225M $228M $249M
Dividends and buybacks $115M $119M $143M $148M $183M $204M $230M $228M $228M $312M
Balance sheet
Loans, net $17.1B $18.2B $24.9B $29.5B $31.9B $33.8B $46.5B $49.8B $48.2B $49.6B
Deposits $17.7B $18.2B $24.5B $29.2B $31.9B $35.6B $47.6B $49.2B $50.1B $52.2B
Goodwill $691M $691M $1.1B $1.4B $1.4B $1.5B $1.9B $1.9B $1.9B $1.9B
Intangible assets $45.5M $42.5M $77.0M $86.8M $70.4M $70.4M $198M $160M $129M $101M
Total assets $22.9B $24.0B $31.9B $37.4B $40.7B $43.4B $57.5B $60.9B $62.5B $64.1B
Preferred stock $112M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Shareholders' equity $2.4B $2.5B $3.4B $4.4B $4.6B $5.1B $6.4B $6.7B $7.4B $7.8B
Margins
Net margin 23.3% 21.0% 26.4% 27.8% 30.0% 34.7% 30.5% 26.4% 20.5% 29.5%
Net interest share of revenue 85.0% 85.5% 86.5% 80.7% 85.9% 88.6% 88.9% 88.1% 87.9% 87.1%
Efficiency ratio 66.0% 66.0% 63.5% 56.8% 49.6% 50.7% 55.0% 61.5% 59.7% 56.4%
Returns
Return on equity 7.3% 6.6% 8.9% 8.0% 8.7% 9.8% 9.9% 7.6% 5.4% 7.9%
Return on assets 0.8% 0.7% 0.9% 0.9% 1.0% 1.1% 1.1% 0.8% 0.6% 0.9%
Return on tangible equity 11.1% 9.2% 12.5% 11.6% 12.5% 13.8% 14.1% 10.7% 7.1% 10.1%
Growth
Revenue growth 13.8% 7.0% 28.4% 12.2% 17.0% 4.8% 36.5% 1.5% −2.0% 9.3%
Net income growth 63.3% −3.7% 61.5% 18.5% 26.1% 21.3% 20.1% −12.4% −23.7% 57.3%
EPS growth 50.0% −7.9% 29.3% 16.0% 6.9% 20.4% 1.8% −16.7% −27.4% 46.4%
Share count change 8.9% 3.8% 25.6% 2.2% 19.1% 1.2% 19.0% 4.4% 1.7% 8.9%
Financial health
Loans / deposits 96.6% 100.3% 101.8% 101.2% 99.8% 94.8% 97.5% 101.1% 96.3% 95.0%
Provision / loans 0.1% 0.1% 0.2% 0.1% 0.4% 0.1% 0.1% 0.1% 0.6% 0.3%
Capital allocation
Stock comp / revenue 1.4% 1.6% 2.0% 1.3% 1.2% 1.5% 1.6% 1.8% 1.6% 1.4%

Source: SEC EDGAR XBRL filings (CIK 0000714310). Data updated October 23, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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