Valley National Bancorp (VLY)
OvervaluedFundamental
60
Price
$14.06
Market Cap
$7.19B
Part 1 · What the company is worth
Overview
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.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$2.15B
Trailing 12 months (through 6/30/2026)
Net Income
$694M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$326M
Total Equity
$7.81B
Total Liabilities
$56.33B
Current Ratio
-
Interest Coverage
0.46
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$11.43
Current Price
$14.06
Margin of Safety
-23.0%
Fair Value Range
$8.30 - $14.56
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
11.92
ROE
7.7%
P/B Ratio
0.98
P/FCF
13.92
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
11.1%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (14)
- EPS shows upward trend
- P/FCF 13.92
- P/B ratio 0.98
- Operating margin 40.0%
- Positive free cash flow
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- ROE 8.9%
- Revenue growth 5Y 18.8%
- Earnings surprise, average 3.9%
- Earnings quality (operating cash flow / net income) 0.83
- Net margin trend 32.2% vs 23.6%
- Piotroski F-Score 5/9
Failed (8)
- EPS CAGR 2.72%
- Price CAGR 1.01%
- Debt/equity ratio
- Interest coverage
- Return on tangible assets
- DCF valuation (Fairly Valued)
- PEG ratio 5.37
- Share dilution 7.4%
Unavailable (5)
- ROIC –
- Gross margin –
- Dividend payout –
- Current ratio
- Debt/EBITDA
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
Moderate: some gap between profits and cash
Share Dilution
Issuing new shares, diluting ownership
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Travis P. Lan | Senior Executive VP & CFO | 40 |
| Mr. Russell Barrett | Senior EVP & COO | 49 |
| Mr. Gino A. Martocci | Senior EVP & President of Commercial Banking | 59 |
| Mr. Patrick D. Smith | Senior EVP & President of Consumer Banking | 53 |
| Mr. Mitchell L. Crandell | Executive VP & Chief Accounting Officer | 54 |
| Ms. Lyndsey M. Sloan | Senior EVP & General Counsel | 48 |
| Mr. Marc Piro | Senior VP, Head of Content, Creative & Public Relations | - |
| Ms. Yvonne M. Surowiec | Senior EVP & Chief People Officer | 64 |
| Mr. Mark Saeger | Executive Vice President | 60 |
| Mr. John P. Regan | Senior EVP & Chief Risk Officer | 61 |
Audit Risk
3
Board Risk
5
Compensation Risk
3
Shareholder Rights Risk
1
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-27
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-06
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-10-22
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much VLY moves, measured on its daily prices.
More volatile than 15% of the tracked stocks (90-day volatility).
- Volatility 30d
- 27.7%
- Volatility 90d
- 23.1%
- Beta vs S&P 500 (1y)
- 0.73Correlation 0.36
- Max drawdown (12m)
- -18.3%
- ATR (14d, % of price)
- 2.30%
Earnings reactions
How VLY moved around its past quarterly results.
Next earnings release
No upcoming release on the calendar.
What usually happens
- Over the last 12 releases the stock moved a median of 3.2% the next day, up or down.
- Next-day moves: up 7, down 5 (out of 12).
- Of the 4 releases that beat estimates, the stock fell the next day after 0.
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Oct 22, 2026 | Before the open | 0.33 | 0.36 | +8.7% | +0.6% | +6.1% | n/a |
| Jul 23, 2026 | During the session | 0.31 | 0.30 | -3.7% | -3.0% | -0.5% | -1.7% |
| Apr 23, 2026 | During the session | 0.28 | 0.29 | +5.1% | +3.5% | +3.9% | +0.5% |
| Jan 29, 2026 | During the session | 0.29 | 0.31 | +6.6% | +3.3% | +3.3% | +9.1% |
| Oct 23, 2025 | During the session | 0.26 | 0.28 | +7.7% | -3.6% | +4.2% | +8.2% |
| Jul 24, 2025 | During the session | n/a | n/a | n/a | -0.1% | -1.8% | -3.2% |
| Apr 24, 2025 | During the session | n/a | n/a | n/a | -3.4% | +1.2% | -0.3% |
| Jan 23, 2025 | During the session | n/a | n/a | n/a | -0.8% | -0.2% | +3.5% |
| Oct 24, 2024 | During the session | n/a | n/a | n/a | +1.4% | +5.3% | +6.3% |
| Jul 25, 2024 | During the session | n/a | n/a | n/a | -2.4% | +3.1% | +7.3% |
| Apr 25, 2024 | During the session | n/a | n/a | n/a | +0.1% | -0.9% | -6.9% |
| Jan 25, 2024 | During the session | n/a | n/a | n/a | -6.0% | -4.4% | -10.9% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on VLY and what the price did next.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for VLY.