Valley National Bancorp
Regional bank pairing commercial lending and treasury services with consumer and wealth banking.
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Profile
Runs a multistate regional bank offering commercial real estate and business lending, deposits, treasury management, consumer credit, private banking, and wealth services. Net interest income drives revenue, while a commercially weighted loan book leaves earnings tied to deposit funding, interest rates, and real estate credit.
Operates Valley National Bank across New Jersey, New York, Florida, Alabama, California, and Illinois through Commercial Banking and Consumer Banking. Commercial offerings center on real estate and business lending, deposits, treasury management, equipment finance, and capital-markets services; consumer offerings cover mortgages, auto credit, retail deposits, private banking, wealth management, trust, and insurance.
Earns most revenue from the spread between interest on loans and investments and funding costs, supplemented by treasury, capital-markets, wealth, insurance, and advisory fees. Relationship banking combines commercial credit with deposits and treasury services.
Commercial Banking carries most earning assets, while commercial real estate remains most of the loan portfolio despite diversification toward business lending. Credit quality, property values, interest rates, deposits, and funding access shape results. The bank is supervised by the OCC; the holding company by the Federal Reserve.
Company facts
Categories
Key statistics
Year to date +19.1% · Average volume (30d) 6.6M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 26, 2026 | RBC Capital | Reiterate | Buy | $16 | $17 | |
| Jul 10, 2026 | Truist Financial | Target | $14.50 | $16.50 | ||
| Jul 7, 2026 | UBS | Target | $15 | $17 | ||
| Jul 1, 2026 | National Bank | Target | $17 | $17.50 | ||
| Jun 26, 2026 | Piper Sandler | Reiterate | Overweight | $16 | $16.50 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 23, 2026Q2 FY26 | $0.31 | $0.30 | −2.8% | $557.2M | $560.7M | +0.6% | −0.76% |
| Apr 23, 2026Q1 FY26 | $0.27 | $0.29 | +7.4% | $533.0M | $540.4M | +1.4% | −2.90% |
| Jan 29, 2026Q4 FY25 | $0.29 | $0.31 | +6.9% | $525.8M | $541.2M | +2.9% | −1.66% |
| Oct 23, 2025Q3 FY25 | $0.26 | $0.28 | +8.6% | $510.9M | $511.1M | 0.0% | +3.98% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $843.1M | $867.6M | $891.8M | $892.1M | $871.6M | $326.2M | |
| Gross profit | $415.7M | $457.2M | $491.9M | $521.1M | $519.1M | −$26.3M | |
| Operating income | $139.1M | $173.1M | $210.0M | $221.7M | $209.2M | −$209.2M | |
| Net income | $106.1M | $133.2M | $163.4M | $195.4M | $163.9M | $170.9M | |
| Diluted EPS | $0.18 | $0.22 | $0.28 | $0.33 | $0.28 | $0.31 | |
| Gross margin | 49.3% | 52.7% | 55.2% | 58.4% | 59.6% | -8.1% | |
| Operating margin | 16.5% | 20.0% | 23.5% | 24.9% | 24.0% | -64.1% |
Fiscal years (4-quarter sums)FY21 $1.49B · FY22 $2.18B · FY23 $3.35B · FY24 $3.57B · FY25 $3.49B
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $9.13B · Total debt $3.45B · Total assets $66.32B · Shareholders' equity $7.92B
Dividends
Raised for 11 straight years. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 15, 2026 | Jun 15 | Jul 1 | $0.11 | |
| Mar 13, 2026 | Mar 13 | Apr 1 | $0.11 | |
| Dec 15, 2025 | Dec 15 | Jan 2 | $0.11 | |
| Sep 15, 2025 | Sep 15 | Oct 1 | $0.11 | |
| Jun 13, 2025 | Jun 13 | Jul 1 | $0.11 | |
| Mar 14, 2025 | Mar 14 | Apr 1 | $0.11 | |
| Dec 13, 2024 | Dec 13 | Jan 2 | $0.11 | |
| Sep 13, 2024 | Sep 13 | Oct 1 | $0.11 |
Ownership
Shares outstanding 554.13M · Float 474.86M · 85.7% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 73.65M | 13.29% | 13F | Aug 7, 2026 |
| Dimensional Fund Advisors LP | 30.53M | 5.51% | 13F | Aug 11, 2026 |
| Vanguard Portfolio Management LLC | 25.30M | 4.57% | 13F | Aug 13, 2026 |
| State Street Corp | 23.80M | 4.30% | 13F | Aug 7, 2026 |
| Vanguard Capital Management LLC | 21.28M | 3.84% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 12, 2026 | Mitchell L. Crandell | officer: EVP & Chief Accounting Officer | −25,495 | $14.63 |
| Apr 27, 2026 | Russell Barrett | officer: SEVP, Chief Operating Officer | −90,537 | $13.54 |
| Feb 17, 2026 | Carlos J. Vazquez | director | +2,500 | $13.45 |
Peers
- Webster Financial
Northeast commercial bank with NJ/NY CRE, multifamily, and C&I overlap.
- Flagstar Bank
NYC-metro multifamily and CRE lender; same NYC/NJ commercial borrower base.
- BankUnited
FL + NY metro dual-market bank; named a primary competitor in both geographies.
- Provident Financial Services
NJ leading super-community bank; direct overlap on NJ deposits and CRE loans.
- Dime Commercial Bancshares
NYC metro CRE/multifamily bank; #1 deposit share on Greater Long Island.
- Wintrust Financial
Chicago-metro commercial bank of similar scale; direct IL overlap with Valley.
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Valley National Bancorp | $13.92 | 0.00% | $7.71B | 11.6 | 9.8 | 2.6 | +13.3% |
| Webster Financial | $77.57 | −0.51% | $12.57B | 12.6 | 11.6 | 2.9 | +3.4% |
| Flagstar Bank | $13.45 | +0.04% | $5.61B | 723.1 | 17.4 | 1.3 | +4.0% |
| BankUnited | $46.39 | −0.01% | $3.37B | 13.0 | 10.9 | 1.8 | +3.9% |
| Provident Financial Services | $23.71 | +0.91% | $3.06B | 9.8 | 9.4 | 2.2 | +9.7% |
| Dime Commercial Bancshares | $40.47 | −0.02% | $1.79B | 14.6 | 10.7 | 2.4 | +17.1% |
| Wintrust Financial | $161.72 | +5.73% | $10.32B | 12.1 | 11.6 | 2.4 | +10.1% |
| Median | 12.8 | 11.2 | 2.3 | +6.9% |