$13.41
-1.3%Valley National Bancorp operates as the holding company for Valley National Bank that provides various commercial, retail, insurance, and wealth management financial services products. It operates through Commercial Lending, Consumer Lending, and Investment Management segments. The company offers non-interest bearing, savings, NOW, money market, and time deposit accounts, commercial and industrial, commercial real estate, residential mortgage, and automobile loans; loans secured by the cash surrender value of life insurance; home equity loans and lines of credit; and secured and unsecured other consumer loans. It also invests in various securities and interest-bearing deposits with other banks; and provides international banking services, such as standby and documentary letters of credit, and related products, as well as foreign exchange transactions, documentary collections, foreign wire transfers services, and transaction accounts for non-resident aliens. In addition, the company offers investment services for individuals and small to medium sized businesses; and trusts and custom -tailored investment strategies for various retirement plans. Further, it provides trust services, such as living and testamentary trusts, investment management, custodial and escrow services, and estate administration to individuals; tax credit advisory 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 owns real estate related investments. Additionally, the company offers online, mobile, and telephone banking services; and overdraft, drive-in and night deposit, automated teller machine, remote deposit capture, and safe deposit facility services. As of December 31,2021, it operated 232 branch offices in New Jersey, New York, Florida, and Alabama. The company was incorporated in 1927 and is headquartered in New York, New York.
Weak cash conversion. Significant portion of earnings not converting to cashโreview working capital trends and capital intensity.
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extensionโmonitor closely.
Deteriorating cash generation: Both declining FCF and weak conversion rate signal fundamental challenges. Investigate margin pressure, rising costs, or working capital issues.
VLY โข NASDAQ
| Valley National Bancorp Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
598M | 380.3M | 498.5M | 568.9M | 473.8M | 390.6M | 309.8M | 261.4M | 161.9M | 168.1M | 103M | 116.2M | 132M | 143.6M | 132.5M | 130M | 116.1M | 93.6M | 153.2M | 163.7M | |
68.7M | 78.8M | 83.2M | 79.4M | 51M | 82.3M | 71.4M | 46M | 34.9M | 35.8M | 30.3M | 29.4M | 28M | 28.3M | 25.7M | 23.6M | 22.2M | 21.9M | 22.8M | 25.1M | |
10.9M | -6.1M | -9.4M | 7.5M | 26.8M | -5.1M | 15.2M | -11.8M | 76.8M | 27.2M | 16.5M | 11.5M | 30.3M | 28.4M | -16.1M | 19.3M | -10.9M | -34M | -20.3M | -17.9M | |
27.3M | 29M | 33.1M | 28.8M | 20.9M | 16.2M | 14.7M | 19.5M | 12.2M | 10M | 7.6M | 7.5M | 6.1M | 4.8M | 3.2M | 4.8M | 5M | 5.5M | 5.1M | 5.6M | |
136.3M | 316.6M | 35.7M | 182.6M | 220.3M | -56.2M | -37M | 47.4M | 405.2M | 158.7M | 31.1M | 23.1M | 111.6M | 86.3M | 73.1M | 97.8M | 34.4M | 103M | 259.4M | 13.7M | |
(53.5M) | (89.7M) | (236.5M) | (172.1M) | (163.4M) | (148.4M) | (106.3M) | (53.6M) | (29M) | (26.6M) | (50M) | (34.2M) | (15.3M) | (50.1M) | (60.2M) | (50.6M) | (63M) | (47M) | (59.2M) | (64.4M) | |
-497.3M | -250M | -262.9M | 561.3M | 44.4M | -264.2M | -112.2M | -58.6M | -71.7M | 19.3M | -33.4M | -3.6M | -22.6M | 31.9M | -27M | 3.5M | -62.2M | 745.3M | 561.1M | 40.4M | |
343.8M | 548.5M | 378.2M | 1.4B | 837.1M | 163.6M | 261.9M | 304M | 619.2M | 419.2M | 154.9M | 184M | 285.4M | 323.3M | 191.3M | 279M | 104.6M | 938.1M | 981.4M | 230.7M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -16.4M | -14.6M | -25.3M | -29.9M | -58.5M | -45.1M | |
(0.0) | (98.1M) | (0.0) | (321.5M) | (321.6M) | (0.0) | (22.2M) | (156.6M) | (0.0) | (0.0) | (201M) | (102M) | (0.0) | (117.6M) | (0.0) | (44.2M) | -285K | (35.4M) | (0.0) | (1.2M) | |
-1.8B | -2.5B | -429.1M | -904.4M | -1.7B | -1B | -747M | -554.3M | -632.1M | -1.3B | -833.9M | -425.6M | -908.5M | -816.2M | -1.2B | -1.3B | -1.5B | -1.3B | -1.2B | -279M | |
1.1B | 608.2M | 478.8M | 717.2M | 1.4B | 1.4B | 1B | 540.5M | 498.3M | 1.2B | 697.4M | 563.2M | 713.4M | 1.2B | 1.4B | 1.4B | 1.2B | 838.3M | 345.5M | 662.6M | |
-1.5B | 1.1B | -3.4B | -6.9B | -1.1B | -2.5B | -1.2B | -3B | -1.4B | -1.4B | -1.8B | -751.2M | -590.9M | -329.4M | -435.8M | 316.7M | 740M | -852.7M | -467.3M | -203.8M | |
-2.2B | -709.3M | -3.3B | -6.8B | -1.1B | -2B | -897.3M | -2.8B | -1.5B | -1.5B | -1.7B | -511.6M | -786M | (183.7M) | -192.8M | (429.2M) | (428.8M) | -1.3B | -1.4B | (136M) | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-55.3M | 442.3M | -7.5M | -24M | -12.7M | -3.2M | 1.2M | -1.1M | 5.6M | 108.9M | 5.8M | 3.4M | 7.1M | 7.8M | 8M | 8.4M | 140M | 2M | -33.3M | -45.3M | |
-259.2M | -8.3M | 1.6B | -473.3M | -1.4B | 213.3M | -1B | -30.4M | 547.7M | -380.2M | 65.9M | -426.5M | 83.7M | -125.5M | -186.5M | -58.6M | -484.9M | 87.6M | 721.5M | 19.4M | |
-277.9M | -249.6M | -239.7M | -219.1M | -192.4M | -190.7M | -159.2M | -154.7M | -122.2M | -119M | -106.1M | -88.1M | -129.3M | -125.9M | -116.8M | -115.2M | -122M | -102.5M | -100M | -99.3M | |
-72.8M | -8.9M | -11.5M | -24.1M | -23.9M | -5.4M | -1.8M | -3.8M | -2.6M | -3.2M | -2.1M | -1.7M | -768K | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -35.5M | -47.8M | |
2.1B | 830.6M | 1.6B | 5B | 2.5B | 2.7B | 1.8B | 2.7B | 422.8M | 1.5B | 1.1B | 1.3B | 55.2M | 210.6M | 309.5M | -837.9M | 314.4M | 424.4M | -396.5M | -82.3M | |
1.5B | 1.2B | 2.9B | 4.3B | 964.4M | 2.8B | 641.5M | 2.5B | 951.9M | 1.1B | 1.1B | 788.8M | 16.7M | -33M | 14.3M | -1B | -452.5M | 711.4M | 191.6M | -207.5M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-306.6M | 998.9M | -56.7M | -1.1B | 720.7M | 894.5M | 6.1M | 12.5M | 23.6M | -21.3M | -416.6M | 461.2M | -483.9M | 474.1M | 12.8M | -295.1M | 80.8M | 343M | -181.7M | 159.1M | |
1.9B | 891.2M | 947.9M | 2B | 1.3B | 434.7M | 428.6M | 416.1M | 392.5M | 413.8M | 830.4M | 369.2M | 853.1M | 379M | 366.3M | 661.3M | 580.5M | 237.5M | 419.1M | 260M | |
1.6B | 1.9B | 891.2M | 947.9M | 2B | 1.3B | 434.7M | 428.6M | 416.1M | 392.5M | 413.8M | 830.4M | 369.2M | 853.1M | 379M | 366.3M | 661.3M | 580.5M | 237.5M | 419.1M | |
343.8M | 548.5M | 378.2M | 1.4B | 837.1M | 163.6M | 261.9M | 304M | 619.2M | 419.2M | 154.9M | 184M | 285.4M | 323.3M | 174.9M | 264.4M | 79.3M | 905.5M | 922.8M | 185.5M |
VLY - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 18, 2026 | May 18, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 14, 2026 | May 11, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 07, 2026 | May 07, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 23, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 03, 2026 | May 18, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 27, 2026 | December 31, 2025 | 2025 | |
8-K/A 8-K/A 2026 (Amended) N/A | February 25, 2026 | February 24, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 24, 2026 | February 24, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 29, 2026 | January 29, 2026 | 2026 |
Continue your VLY research with focused valuation guides.
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.