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Financial Services - Banks - Regional - NASDAQ - US
$ 8.11
0.745 %
$ 4.54 B
Market Cap
11.75
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one VLY stock under the worst case scenario is HIDDEN Compared to the current market price of 8.11 USD, Valley National Bancorp is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one VLY stock under the base case scenario is HIDDEN Compared to the current market price of 8.11 USD, Valley National Bancorp is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one VLY stock under the best case scenario is HIDDEN Compared to the current market price of 8.11 USD, Valley National Bancorp is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart VLY

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$11.0$11.0$10.5$10.5$10.0$10.0$9.5$9.5$9.0$9.0$8.5$8.5$8.0$8.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
1.84 B REVENUE
1.09%
-1.62 B OPERATING INCOME
-235.52%
380 M NET INCOME
-23.72%
306 M OPERATING CASH FLOW
-19.18%
-559 M INVESTING CASH FLOW
83.30%
337 M FINANCING CASH FLOW
-88.43%
474 M REVENUE
2.23%
-389 M OPERATING INCOME
-306.87%
116 M NET INCOME
18.25%
392 M OPERATING CASH FLOW
370.09%
469 M INVESTING CASH FLOW
387.15%
-11.4 M FINANCING CASH FLOW
-3.25%
Balance Sheet Valley National Bancorp
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Current Assets 4.02 B
Cash & Short-Term Investments 3.78 B
Receivables 240 M
Other Current Assets 0
Non-Current Assets 2.68 B
Long-Term Investments 0
PP&E 679 M
Other Non-Current Assets 2 B
56.45 %3.58 %10.14 %29.82 %Total Assets$6.7b
Current Liabilities 461 M
Accounts Payable 0
Short-Term Debt 461 M
Other Current Liabilities 0
Non-Current Liabilities 54.6 B
Long-Term Debt 0
Other Non-Current Liabilities 54.6 B
99.16 %Total Liabilities$55.1b
EFFICIENCY
Earnings Waterfall Valley National Bancorp
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Revenue 1.84 B
Cost Of Revenue -10.4 M
Gross Profit 1.85 B
Operating Expenses 1.84 B
Operating Income -1.62 B
Other Expenses -2 B
Net Income 380 M
2b2b2b2b1b1b500m500m00(500m)(500m)(1b)(1b)(1b)(1b)(2b)(2b)2b10m2b(2b)(2b)2b380mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.56% GROSS MARGIN
100.56%
-88.08% OPERATING MARGIN
-88.08%
20.64% NET MARGIN
20.64%
5.11% ROE
5.11%
0.61% ROA
0.61%
-21.02% ROIC
-21.02%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Valley National Bancorp
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2b2b1b1b500m500m00(500m)(500m)(1b)(1b)(1b)(1b)(2b)(2b)(2b)(2b)(3b)(3b)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 380 M
Depreciation & Amortization 1.95 M
Capital Expenditures 0
Stock-Based Compensation 29 M
Change in Working Capital 0
Others -355 M
Free Cash Flow 306 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Valley National Bancorp
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Wall Street analysts predict an average 1-year price target for VLY of $9.42 , with forecasts ranging from a low of $7 to a high of $11 .
VLY Lowest Price Target Wall Street Target
7 USD -13.69%
VLY Average Price Target Wall Street Target
9.42 USD 16.11%
VLY Highest Price Target Wall Street Target
11 USD 35.64%
Price
Max Price Target
Min Price Target
Average Price Target
111111111010101099998888777766May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
1.30% DIVIDEND YIELD
0.11 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.450.450.400.400.350.350.300.300.250.250.200.200.150.150.100.100.050.050.000.000.110.110.110.110.110.110.110.110.110.110.110.110.110.110.110.110.110.110.110.110.110.110.110.110.110.110.110.110.110.110.110.110.440.110.440.110.440.110.440.110.440.110.440.110.440.110.440.110.440.110.440.112015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 5
6. Ownership
Insider Ownership Valley National Bancorp
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Sold
0-3 MONTHS
1.03 M USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
378 K USD 2
Bought
1.13 K USD 1
0-3 MONTHS
9.35 M USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
5 K USD 1
9-12 MONTHS
7. News
New Strong Buy Stocks for March 24th IHS, HFWA, IFNNY, FUTU and VLY have been added to the Zacks Rank #1 (Strong Buy) List on March 24, 2025. zacks.com - 3 weeks ago
Best Income Stocks to Buy for March 24th VLY, NNGRY and HFWA made it to the Zacks Rank #1 (Strong Buy) income stocks list on March 24, 2025. zacks.com - 3 weeks ago
Best Income Stocks to Buy for March 11th ALX, VLY and HAFC made it to the Zacks Rank #1 (Strong Buy) income stocks list on March 11, 2025. zacks.com - 1 month ago
Valley Bank Partners with Finley Technologies to Launch Credit Management System Finley's Credit Management System delivers fully digital experience across Valley Bank's portfolio of credit, including securities-based and syndicated loan portfolios NEW YORK , Feb. 25, 2025 /PRNewswire/ -- Finley Technologies, Inc., a leading provider of debt capital software, is excited to announce that Valley Bank, the wholly-owned subsidiary of Valley National Bancorp (NASDAQ: VLY), has successfully implemented Finley's Credit Management System, a post-origination loan platform designed to help mid-sized banks automate, grow, and monitor their portfolio operations. Finley's Credit Management System is a flexible loan platform designed to help bank middle and back-office teams improve service delivery and efficiency–without having to modify core systems or hire additional personnel. prnewswire.com - 1 month ago
Valley National Bancorp: Performance Improvements, But Still Avoiding Preferred Shares Valley National Bancorp: Performance Improvements, But Still Avoiding Preferred Shares seekingalpha.com - 1 month ago
Valley National Bancorp Declares Its Regular Quarterly Preferred and Common Stock Dividends NEW YORK, Feb. 19, 2025 (GLOBE NEWSWIRE) -- Valley National Bancorp (NASDAQ:VLY) (“Valley”), the holding company for Valley National Bank, announced today its regular preferred and common dividends. The declared quarterly dividends to shareholders of record on March 14, 2025 are as follows: globenewswire.com - 1 month ago
Best Momentum Stock to Buy for February 3rd TRMK, VLY and HAFC made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on February 3, 2025. zacks.com - 2 months ago
Best Income Stocks to Buy for February 3rd AKO.B, VLY and HAFC made it to the Zacks Rank #1 (Strong Buy) income stocks list on February 3, 2025. zacks.com - 2 months ago
Valley National Bank: Q4 Actions Buoy Capital But Valuation Is Fair Valley National Bancorp shares have rebounded, driven by solid Q4 results and proactive measures to address credit losses in CRE. The company issued equity, raising $449 million, which increased financial flexibility and helped clean out its loan book. Despite credit concerns, Valley's strong capital position and efforts to diversify away from CRE provide a solid foundation. seekingalpha.com - 2 months ago
Valley National Bancorp: NIM Expansion And A Promising 2025 Valley National Bancorp showed significant improvement in Q4 2024, reducing its CRE concentration ratio and loan-to-deposit ratio. Despite a challenging 2024, VLY's strategic shift towards C&I and consumer loans, along with lower deposit costs, positions it for better financials in 2025. VLY benefits from a steepening yield curve, with net interest income expected to grow double-digits by 2025, enhancing profitability. seekingalpha.com - 2 months ago
Valley National Q4 Earnings Miss Estimates on Higher Provisions Y/Y VLY's fourth-quarter 2024 results miss estimates due to high provisions, higher adjusted expenses and lower non-interest income. Yet, higher NII is a positive. zacks.com - 2 months ago
Valley National Bancorp (VLY) Q4 2024 Earnings Call Transcript Valley National Bancorp (NASDAQ:VLY ) Q4 2024 Earnings Conference Call January 23, 2025 11:00 AM ET Company Participants Travis Lan - Investor Relations Ira Robbins - Chief Executive Officer Tom Iadanza - President Mark Saeger - Chief Credit Officer Conference Call Participants Brian Wilczynski - Morgan Stanley Anthony Elian - J.P. Morgan Christopher McGratty - KBW Matthew Breese - Stephens Frank Schiraldi - Piper Sandler Operator Good day, and thank you for standing by. seekingalpha.com - 2 months ago
8. Profile Summary

Valley National Bancorp VLY

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 4.54 B
Dividend Yield 1.30%
Description 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.
Contact One Penn Plaza, New York, NY, 10119 https://www.valley.com
IPO Date March 23, 1990
Employees 3732
Officers Mr. Thomas A. Iadanza President & Chief Banking Officer Ms. Yvonne M. Surowiec Senior EVice President & Chief People Officer Mr. Mitchell L. Crandell Executive Vice President & Chief Accounting Officer Mr. Gary G. Michael Executive Vice President, General Counsel & Corporate Secretary Mr. Marc Piro Senior Vice President, Head of Content, Creative & Public Relations Mr. Joseph V. Chillura Senior Executive Vice President of Commercial Banking Mr. Russell Barrett Senior EVice President & Chief Operating Officer Ms. Melissa F. Scofield Executive Vice President & Chief Risk Officer Mr. Travis P. Lan Senior Executive Vice President & Chief Financial Officer Mr. Ira D. Robbins Chairman & Chief Executive Officer