Valley National Bancorp
- Open
- 14.95
- Day high
- 15.00
- Day low
- 14.64
- Prev close
- 14.95
- Volume
- 5.5M
- Mkt cap
- $8.1B
- P/E (TTM)
- 13.0
- EPS (TTM)
- $1.13
- P/B
- 1.0
- P/S
- 2.3
- Yield
- 1.50%
- Per share
- $0.22
- ▼Insiders net selling -$1.6M over the last 3 months (0 open-market buys, 2 sales)
- 🏛Institutions accumulating (13F)
Valley National Bancorp (VLY) is a Financial Services company listed on NASDAQ. The stock is up 54% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 2 sales (SEC Form 4).
Valley National Bancorp (VLY) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 8 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
VLY earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 23, 2026 | $0.27 | $0.29 | +7.4% | $540M | +1.4% |
| Jan 29, 2026 | $0.29 | $0.31 | +6.9% | $541M | +2.7% |
| Oct 23, 2025 | $0.26 | $0.28 | +8.6% | $511M | +0.0% |
| Jul 24, 2025 | $0.22 | $0.23 | +4.5% | $495M | -3.3% |
| Apr 24, 2025 | $0.19 | $0.18 | -5.3% | $478M | -1.0% |
| Jan 23, 2025 | $0.15 | $0.13 | -13.3% | $475M | +0.1% |
| Oct 24, 2024 | $0.18 | $0.18 | +0.0% | $464M | -0.9% |
| Jul 25, 2024 | $0.19 | $0.13 | -31.6% | $453M | -1.5% |
| Apr 25, 2024 | $0.20 | $0.19 | -5.0% | $451M | -0.8% |
| Jan 25, 2024 | $0.25 | $0.22 | -12.0% | $450M | -3.9% |
| Oct 26, 2023 | $0.26 | $0.26 | +0.0% | $464M | -1.6% |
| Jul 27, 2023 | $0.29 | $0.28 | -3.4% | $480M | -2.7% |
VLY insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jul 2, 2026 | SLOAN LYNDSEY Mofficer: SEVP, General Counsel | Tax | 3,836 | $14.65 |
| Jul 2, 2026 | REGAN JOHN Pofficer: SEVP, Chief Risk Officer | Tax | 4,907 | $14.65 |
| Jun 15, 2026 | CRANDELL MITCHELL Lofficer: EVP & Chief Accounting Officer | Sell | 25,495 | $14.63 |
| May 19, 2026 | EFRAT EYALdirector | Grant | 8,121 | — |
| May 19, 2026 | PERROTT KATHLEEN Cdirector | Grant | 8,121 | — |
| May 19, 2026 | WILKS JEFFREY Sdirector | Grant | 8,121 | — |
| May 19, 2026 | MAIO PETER Vdirector | Grant | 8,121 | — |
| May 19, 2026 | SANI SURESH Ldirector | Grant | 8,121 | — |
| May 19, 2026 | SANDOR NITZANdirector | Grant | 8,121 | — |
| May 19, 2026 | SCHULTZ MELISSA Jdirector | Grant | 8,121 | — |
| May 19, 2026 | WILLIAMS SIDNEY Sdirector | Grant | 8,121 | — |
| May 19, 2026 | VAZQUEZ CARLOS Jdirector | Grant | 8,121 | — |
| May 19, 2026 | Steans Jennifer Wdirector | Grant | 8,121 | — |
| Apr 28, 2026 | BARRETT RUSSELLofficer: SEVP, Chief Operating Officer | Sell | 90,537 | $13.54 |
| Apr 28, 2026 | BARRETT RUSSELLofficer: SEVP, Chief Operating Officer | Option | 90,537 | $8.47 |
Source: VLY SEC Form 4 filings, latest Jul 2, 2026. For informational purposes only — not investment advice.
See the full VLY insider & 13F page →Valley National Bancorp company profile
Overview
Valley National Bancorp (NYSE:VLY) is a regional banking holding company founded in 1927 and headquartered in New York, New York. The company operates through its primary subsidiary, Valley National Bank, which provides comprehensive commercial and consumer banking services across New Jersey, New York, Florida, and Alabama through 232 branch offices. Valley has grown from a local New Jersey bank into a diversified regional financial institution through both organic expansion and strategic acquisitions, including the notable integration of Bank Leumi USA in recent years.
Business
Valley National Bancorp operates as a traditional regional bank in the highly regulated financial services sector. The banking industry serves as a critical intermediary in the economy, taking deposits from customers and lending those funds to borrowers while earning the spread between interest paid and interest received. The company operates through three primary business segments. Commercial Lending represents the largest segment, focusing on commercial and industrial loans, commercial real estate financing, and specialized lending to businesses. This includes traditional business loans, lines of credit, equipment financing, and real estate investment loans. Consumer Lending encompasses residential mortgages, home equity loans, automobile loans, and other personal lending products for individual customers. The Investment Management segment provides wealth management services, trust services, and investment advisory services to high-net-worth individuals and institutions. Beyond traditional banking, Valley offers comprehensive financial services including international banking capabilities such as foreign exchange transactions and letters of credit, insurance agency services covering property, casualty, life and health insurance, and specialized services like healthcare equipment lending and tax credit advisory services. The bank has developed expertise in serving niche markets including cannabis businesses, homeowners associations, and technology companies, which helps differentiate it from larger national banks.
Competitive moat
Valley National Bancorp operates in the highly competitive regional banking sector with limited sustainable competitive advantages. The company's primary moat comes from its established customer relationships and local market presence across its four-state footprint, particularly in the densely populated New Jersey and New York markets where switching costs for commercial customers can be meaningful due to established banking relationships and integrated treasury services. The bank has developed some differentiation through specialized vertical expertise in niche markets such as cannabis banking, homeowners associations, and technology companies, which require specific regulatory knowledge and operational capabilities that create modest barriers to entry. Valley's international banking services and foreign exchange capabilities also provide some competitive positioning, particularly for businesses with global operations. However, Valley's moat is relatively weak compared to larger money center banks or highly specialized financial institutions. The bank faces intense competition from both larger national banks with superior technology platforms and scale advantages, as well as smaller community banks that may offer more personalized service. Technology disruption from fintech companies and digital-only banks poses an ongoing threat to traditional branch-based banking models. Additionally, Valley's heavy exposure to commercial real estate (though declining) makes it vulnerable to regional economic downturns and real estate cycles. The commoditized nature of basic banking services and the ease with which customers can switch banks in the digital age further limits the sustainability of any competitive advantages.
Risks & safety
Valley National Bancorp presents a moderate margin of safety profile typical of well-capitalized regional banks, though with some areas of concern. • Capital Position: Strong with CET1 ratio over 10%, providing adequate regulatory buffer • Liquidity: Solid with $1.2 billion in cash and short-term investments, though current ratio of 0.088 reflects typical banking structure where deposits (liabilities) far exceed liquid assets • Debt Levels: Manageable debt-to-equity ratio of 0.46, within normal banking parameters • Profitability Trends: Improving with ROE of 1.4% in Q1 2025, targeting 1% ROA by year-end and 15% ROE long-term • Valuation Metrics: - P/E ratio of 11.7x appears reasonable for regional bank - Price-to-book ratio of 0.66x suggests trading below tangible book value - EV/EBITDA of 11.4x within normal banking ranges • Credit Quality Concerns: Elevated commercial real estate concentration (353%, down from 421%) remains above regulatory comfort levels, though actively being reduced • Interest Rate Sensitivity: Positive exposure to rising rates but vulnerable to rapid rate cuts • Operational Cash Flow: Negative $17M in Q1 2025 raises short-term liquidity questions, though banking cash flows are inherently volatile
Recent development
Valley National Bancorp has undergone significant strategic transformation over the past several years, focusing on balance sheet optimization and diversification. The most critical initiative has been reducing commercial real estate concentration from over 420% to 353% of capital, achieved through organic loan runoff, strategic sales (including an $800 million CRE loan sale at 1% discount), and loan reclassifications. This addresses regulatory concerns and reduces concentration risk. The bank has simultaneously pursued loan portfolio diversification by aggressively growing commercial and industrial loans at mid-to-high teens annualized growth rates, expanding owner-occupied commercial real estate lending, and growing indirect auto loans by 17% in 2024. This shift toward C&I lending, while requiring higher loan loss reserves, provides better risk-adjusted returns and stronger customer relationships. Deposit franchise expansion has been another key focus, with Valley adding approximately 25,000 new deposit accounts in Q3 2024 alone and growing customer deposits by $1.7 billion. The bank has invested in specialty commercial verticals including cannabis banking, homeowners associations, and technology companies, while expanding geographically with new branches in Beverly Hills and Staten Island. Valley has also prioritized fee income diversification, expanding treasury solutions platforms, enhancing foreign exchange capabilities (growing FX fees over 50%), and developing commercially adjacent products. The bank completed a major core system conversion to improve operational efficiency and established an internal AI working group to leverage technology for competitive advantage. These initiatives collectively aim to reduce the bank's reliance on traditional net interest income and create more stable, recurring revenue streams.
VLY company profile · for informational purposes only — not investment advice.
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