FNB vs Valley Bank
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KIRAβs take AI analyst
I put FNB and Valley Bank side by side, using each oneβs latest annual report. Here is what stands out:
- Valley Bank is the larger business, with $2.0B of revenue in fiscal 2025 against $1.8B for FNB.
- FNB grew revenue faster (10.6%, against 9.3%).
- Investors pay more for each dollar of Valley Bankβs earnings: a P/E of 11.9x against 10.8x for FNB.
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
FNB
FNB
4/5
Revenue growthNet marginReturn on equityShare count change
Valley Bank
VLY
1/5
5-year growth
Side by side
Best in the row
| Latest fiscal year | FNB FY25 | VLY FY25 |
|---|---|---|
| Size | ||
| Market cap | $6.6B | $7.9B |
| Revenue | $1.8B | $2.0B |
| Free cash flow | β | β |
| Net income | $565M | $598M |
| Growth | ||
| Revenue growth | 10.6% | 9.3% |
| 5-year growth | 7.7% | 9.3% |
| Share count change | β0.2% | 8.9% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 32.0% | 29.5% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 8.7% | 7.9% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $224M | $312M |
| Valuation & quality | ||
| P/E | 10.8x | 11.9x |
| Piotroski F-score | β | β |
Ten years
Revenue
FY16
FNB $813M
VLY $721M
FY17
FNB $1.1B
VLY $772M
FY18
FNB $1.2B
VLY $991M
FY19
FNB $1.2B
VLY $1.1B
FY20
FNB $1.2B
VLY $1.3B
FY21
FNB $1.2B
VLY $1.4B
FY22
FNB $1.4B
VLY $1.9B
FY23
FNB $1.6B
VLY $1.9B
FY24
FNB $1.6B
VLY $1.9B
FY25
FNB $1.8B
VLY $2.0B
FNB
VLY
Operating margin
FY16
FNB β
VLY β
FY17
FNB β
VLY β
FY18
FNB β
VLY β
FY19
FNB β
VLY β
FY20
FNB β
VLY β
FY21
FNB β
VLY β
FY22
FNB β
VLY β
FY23
FNB β
VLY β
FY24
FNB β
VLY β
FY25
FNB β
VLY β
FNB
VLY
Free cash flow
FY16
FNB β
VLY β
FY17
FNB β
VLY β
FY18
FNB β
VLY β
FY19
FNB β
VLY β
FY20
FNB β
VLY β
FY21
FNB β
VLY β
FY22
FNB β
VLY β
FY23
FNB β
VLY β
FY24
FNB β
VLY β
FY25
FNB β
VLY β
FNB
VLY
Return on capital
FY16
FNB β
VLY β
FY17
FNB β
VLY β
FY18
FNB β
VLY β
FY19
FNB β
VLY β
FY20
FNB β
VLY β
FY21
FNB β
VLY β
FY22
FNB β
VLY β
FY23
FNB β
VLY β
FY24
FNB β
VLY β
FY25
FNB β
VLY β
FNB
VLY
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.