Valley National Bancorp (VLY) Financials

$8.75 -0.17 (-1.91%)

Closing price 05/28/2025 04:00 PM Eastern

Extended Trading

$8.82 +0.07 (+0.80%)

As of 08:44 AM Eastern

Annual Income Statements for Valley National Bancorp

This table shows Valley National Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Income / (Loss) Attributable to Common Shareholders	359	482	556	461	378	249	152	161	99
Consolidated Net Income / (Loss)	380	499	569	474	391	261	162	168	103
Net Income / (Loss) Continuing Operations	380	499	569	474	391	261	162	168	103
Total Pre-Tax Income	439	678	781	641	530	330	253	233	127
Total Revenue	1,853	1,891	1,862	1,365	1,302	991	772	721	634
Net Interest Income / (Expense)	1,629	1,665	1,656	1,210	1,119	857	660	613	550
Total Interest Income	3,357	3,139	1,977	1,334	1,384	1,159	834	762	707
Loans and Leases Interest Income	3,080	2,887	1,828	1,257	1,285	1,034	734	681	633
Investment Securities Interest Income	226	175	135	75	96	122	98	81	73
Federal Funds Sold and Securities Borrowed Interest Income	51	77	13	1.74	2.56	3.24	1.79	-	0.65
Total Interest Expense	1,729	1,473	321	124	265	302	174	149	157
Deposits Interest Expense	1,559	1,275	256	68	182	190	98	78	60
Short-Term Borrowings Interest Expense	22	95	17	5.37	11	46	18	12	0.92
Long-Term Debt Interest Expense	148	104	47	51	71	66	58	59	96
Total Non-Interest Income	225	226	207	155	183	134	112	108	84
Service Charges on Deposit Accounts	111	85	72	36	-	-	-	31	-
Other Service Charges	71	73	69	53	130	110	51	48	60
Net Realized & Unrealized Capital Gains on Investments	25	14	58	57	43	16	21	23	6.73
Other Non-Interest Income	17	53	8.04	8.82	10	8.69	40	6.69	6.82
Provision for Credit Losses	309	50	57	33	126	33	9.94	12	8.10
Total Non-Interest Expense	1,106	1,163	1,025	692	646	629	509	476	499
Salaries and Employee Benefits	559	564	527	376	333	334	263	243	222
Net Occupancy & Equipment Expense	237	252	256	169	158	121	102	97	99
Property & Liability Insurance Claims	132	169	105	53	51	62	46	38	36
Other Operating Expenses	124	120	86	53	53	69	46	52	55
Amortization Expense	54	58	50	33	38	43	52	46	36
Income Tax Expense	58	180	212	167	139	68	91	65	24
Preferred Stock Dividends Declared	21	16	13	13	13	13	9.45	7.19	3.81
Basic Earnings per Share	$0.70	$0.95	$1.14	$1.13	$0.94	$0.75	$0.58	$0.63	$0.42
Weighted Average Basic Shares Outstanding	560.28M	508.88M	507.75M	-	403.75M	331.26M	264.04M	254.84M	234.41M
Diluted Earnings per Share	$0.69	$0.95	$1.14	$1.12	$0.93	$0.75	$0.58	$0.63	$0.42
Weighted Average Diluted Shares Outstanding	560.28M	508.88M	507.75M	-	405.05M	332.69M	264.89M	255.27M	234.44M
Weighted Average Basic & Diluted Shares Outstanding	560.28M	508.88M	507.75M	-	405.61M	331.70M	262.90M	255.50M	236.10M
Cash Dividends to Common per Share	$0.44	$0.44	$0.44	$0.44	$0.00	$0.44	$0.44	$0.44	$0.44

This table shows Valley National Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	99	109	92	66	92	67	137	135	143	174	175
Consolidated Net Income / (Loss)	106	116	98	70	96	72	141	139	147	178	178
Net Income / (Loss) Continuing Operations	106	116	98	70	96	72	141	139	147	178	178
Total Pre-Tax Income	139	89	127	93	129	89	195	191	204	245	247
Total Revenue	478	474	471	453	455	450	471	480	490	519	510
Net Interest Income / (Expense)	420	423	410	402	394	397	412	420	436	466	454
Total Interest Income	785	835	861	833	829	818	813	787	720	647	537
Loans and Leases Interest Income	704	751	787	771	772	763	754	715	655	599	497
Investment Securities Interest Income	74	67	60	52	47	45	42	45	43	40	36
Federal Funds Sold and Securities Borrowed Interest Income	6.88	18	13	11	9.68	10	17	27	22	7.04	4.00
Total Interest Expense	365	412	450	432	435	421	401	368	284	181	83
Deposits Interest Expense	325	373	410	392	384	387	366	291	231	158	66
Short-Term Borrowings Interest Expense	2.95	0.29	0.45	0.69	21	5.52	5.19	50	34	7.40	5.16
Long-Term Debt Interest Expense	36	38	39	39	31	29	29	27	19	16	12
Total Non-Interest Income	58	51	61	51	61	53	59	60	54	53	56
Other Service Charges	17	-20	25	14	53	-21	18	56	20	-49	53
Net Realized & Unrealized Capital Gains on Investments	2.29	23	-3.54	0.89	5.36	-7.81	8.28	1.62	12	40	1.14
Other Non-Interest Income	39	-63	40	37	3.24	-3.98	32	2.44	23	-9.14	1.68
Provision for Credit Losses	63	107	75	82	45	21	9.12	6.05	14	7.24	2.02
Total Non-Interest Expense	277	279	269	277	280	340	267	283	272	266	262
Salaries and Employee Benefits	143	137	139	141	142	132	137	150	145	130	135
Net Occupancy & Equipment Expense	56	62	56	59	60	72	62	58	60	70	66
Property & Liability Insurance Claims	29	36	29	32	35	86	25	32	26	26	24
Other Operating Expenses	32	33	31	30	29	37	29	28	27	26	23
Amortization Expense	17	10	15	14	15	14	14	15	15	14	14
Income Tax Expense	33	-27	29	23	33	17	53	52	57	68	68
Preferred Stock Dividends Declared	6.96	7.03	6.12	4.11	4.12	4.10	4.13	4.03	3.87	3.63	3.17
Basic Earnings per Share	$0.18	$0.21	$0.18	$0.13	$0.18	$0.13	$0.27	$0.27	$0.28	$0.34	$0.35
Weighted Average Basic Shares Outstanding	560.34M	560.28M	509.37M	509.22M	509.18M	508.88M	507.68M	507.63M	507.88M	507.75M	506.36M
Diluted Earnings per Share	$0.18	$0.20	$0.18	$0.13	$0.18	$0.13	$0.27	$0.27	$0.28	$0.35	$0.34
Weighted Average Diluted Shares Outstanding	560.34M	560.28M	509.37M	509.22M	509.18M	508.88M	507.68M	507.63M	507.88M	507.75M	506.36M
Weighted Average Basic & Diluted Shares Outstanding	560.34M	560.28M	509.37M	509.22M	509.18M	508.88M	507.68M	507.63M	507.88M	507.75M	506.36M
Cash Dividends to Common per Share	$0.11	-	$0.11	-	-	-	$0.11	-	-	$0.11	$0.11

This table details how cash moves in and out of Valley National Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Change in Cash & Equivalents	999	-57	-1,102	721	895	13	24	-21	-417
Net Cash From Operating Activities	549	378	1,428	837	164	304	619	419	155
Net Cash From Continuing Operating Activities	549	378	1,428	837	164	304	619	419	155
Net Income / (Loss) Continuing Operations	380	499	569	474	391	261	162	168	103
Consolidated Net Income / (Loss)	380	499	569	474	391	261	162	168	103
Provision For Loan Losses	309	50	57	33	126	33	9.94	12	8.10
Depreciation Expense	44	43	42	29	58	28	25	24	21
Amortization Expense	32	38	48	52	63	57	56	36	31
Non-Cash Adjustments to Reconcile Net Income	34	14	141	155	-219	-25	431	159	3.19
Changes in Operating Assets and Liabilities, net	-250	-265	572	95	-254	-50	-64	20	-12
Net Cash From Investing Activities	-709	-3,350	-6,788	-1,081	-2,038	-2,840	-1,548	-1,527	-1,700
Net Cash From Continuing Investing Activities	-709	-3,350	-6,788	-1,081	-2,038	-2,840	-1,548	-1,527	-1,700
Purchase of Property, Leasehold Improvements and Equipment	-16	-76	-69	-39	-25	-26	-18	-21	-34
Purchase of Investment Securities	-2,639	-3,776	-7,773	-2,740	-3,516	-3,812	-2,050	-2,728	-2,589
Sale of Property, Leasehold Improvements and Equipment	3.20	18	11	8.94	19	7.79	9.36	21	24
Divestitures	98	0.00	322	322	0.00	157	0.00	0.00	201
Sale and/or Maturity of Investments	1,844	484	722	1,368	1,484	834	511	1,201	697
Net Cash From Financing Activities	1,160	2,915	4,257	964	2,769	2,548	952	1,087	1,129
Net Cash From Continuing Financing Activities	1,160	2,915	4,257	964	2,769	2,548	952	1,087	1,129
Net Change in Deposits	831	1,606	4,975	2,535	2,750	2,735	423	1,477	1,052
Issuance of Debt	1,002	1,252	-473	296	838	720	1,065	385	163
Issuance of Preferred Equity	145	0.00	0.00	-	-	-	98	0.00	112
Issuance of Common Equity	451	4.01	0.12	11	2.20	2.70	8.21	112	7.90
Repayment of Debt	-1,010	304	0.00	-1,661	-625	-751	-517	-765	-97
Repurchase of Common Equity	-8.87	-11	-24	-24	-5.37	-3.80	-2.65	-3.19	-2.11
Payment of Dividends	-250	-240	-219	-192	-191	-155	-122	-119	-106
Other Financing Activities, Net	-0.00	-0.02	-0.75	-0.68	-0.61	0.00	0.00	-	-
Cash Interest Paid	1,738	1,360	281	138	279	290	171	151	159
Cash Income Taxes Paid	90	237	172	163	148	54	29	27	50

This table details how cash moves in and out of Valley National Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	-666	850	31	68	50	-253	-811	-3,751	4,758	-170	-270
Net Cash From Operating Activities	-17	392	-157	214	100	-279	374	552	-270	198	425
Net Cash From Continuing Operating Activities	-17	392	-157	214	100	-279	374	552	-270	198	425
Net Income / (Loss) Continuing Operations	106	116	98	70	96	72	141	139	147	178	178
Consolidated Net Income / (Loss)	106	116	98	70	96	72	141	139	147	178	178
Provision For Loan Losses	63	107	75	82	45	21	9.12	6.05	14	7.24	2.02
Depreciation Expense	9.89	13	9.74	11	11	11	11	9.91	12	12	11
Amortization Expense	6.19	7.12	7.97	7.93	8.63	7.58	10	9.57	10	11	12
Non-Cash Adjustments to Reconcile Net Income	13	-22	31	7.82	18	47	-0.22	-56	23	-5.78	37
Changes in Operating Assets and Liabilities, net	-215	173	-379	35	-79	-437	203	444	-475	-4.25	185
Net Cash From Investing Activities	-175	469	-163	-1,107	92	-103	-266	-1,196	-1,785	-1,854	-1,608
Net Cash From Continuing Investing Activities	-175	469	-163	-1,107	92	-103	-266	-1,196	-1,785	-1,854	-1,608
Purchase of Property, Leasehold Improvements and Equipment	-3.05	-6.42	-3.35	-2.74	-3.64	-4.48	-22	-31	-18	-18	-15
Purchase of Investment Securities	-434	-751	-347	-1,249	-292	-233	-368	-1,320	-1,856	-2,260	-1,754
Sale of Property, Leasehold Improvements and Equipment	2.26	-0.50	0.73	0.12	2.85	-0.10	18	0.37	0.13	3.43	0.14
Divestitures	0.00	-	-	-	98	-	-	-	0.00	-	-
Sale and/or Maturity of Investments	171	1,227	186	144	287	134	106	155	89	99	162
Other Investing Activities, net	88	-	-	-	-	-	-	-	-	-	-
Net Cash From Financing Activities	-474	-11	351	961	-142	129	-919	-3,108	6,812	1,486	913
Net Cash From Continuing Financing Activities	-474	-11	351	961	-142	129	-919	-3,108	6,812	1,486	913
Net Change in Deposits	-112	-313	275	1,034	-165	-642	265	2,029	-46	2,328	1,428
Issuance of Debt	0.00	-	856	-854	1,000	51	-49	250	1,000	-621	-616
Issuance of Common Equity	3.41	451	0.03	-	0.05	0.21	0.05	-	3.75	0.01	-
Repayment of Debt	-287	-86	-860	843	-908	779	-1,075	-5,324	5,924	-160	160
Repurchase of Common Equity	-2.16	-0.39	-0.21	-0.89	-7.38	-0.20	-0.14	-2.53	-8.60	-0.11	-0.13
Payment of Dividends	-70	-63	-64	-60	-62	-58	-60	-60	-61	-61	-59
Other Financing Activities, Net	-7.13	-	-0.00	-	-0.00	-0.00	-0.00	-0.00	-0.01	-0.19	-0.19
Cash Interest Paid	403	389	457	406	485	417	370	327	244	152	72
Cash Income Taxes Paid	13	6.99	34	42	6.49	64	51	113	8.78	50	45

This table presents Valley National Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Total Assets	62,492	60,935	57,463	43,446	37,436	31,863	24,002	22,864	21,613
Cash and Due from Banks	411	284	444	205	256	252	243	221	244
Interest Bearing Deposits at Other Banks	1,479	607	504	1,845	178	177	173	172	170
Trading Account Securities	3,441	1,365	1,324	-	1,608	3,818	3,337	3,223	3,103
Loans and Leases, Net of Allowance	48,241	49,764	46,459	0.00	-162	24,884	18,211	17,122	15,937
Loans and Leases	48,800	50,210	46,917	-	-	25,035	18,332	17,236	16,043
Allowance for Loan and Lease Losses	559	446	459	-	162	152	121	114	106
Loans Held for Sale	26	31	18	-	76	35	15	58	16
Accrued Investment Income	240	245	197	-	106	95	74	67	64
Premises and Equipment, Net	351	381	359	326	335	342	288	291	299
Goodwill	1,869	1,869	1,869	1,459	1,374	1,085	691	691	686
Intangible Assets	129	160	197	70	87	77	43	45	49
Other Assets	6,305	6,228	6,093	1,380	33,578	1,099	929	975	1,045
Total Liabilities & Shareholders' Equity	62,492	60,935	57,463	21,103	37,436	31,863	24,002	22,864	21,613
Total Liabilities	55,057	54,234	51,062	38,362	33,052	28,513	21,469	20,487	19,406
Non-Interest Bearing Deposits	11,429	11,539	14,464	11,676	6,710	6,175	5,225	5,253	4,914
Interest Bearing Deposits	38,647	37,703	33,173	3,687	22,475	18,277	12,929	12,478	11,339
Short-Term Debt	73	918	139	656	1,093	2,119	749	1,081	1,077
Other Short-Term Payables	1,288	1,284	1,328	-	285	228	209	200	-
Long-Term Debt	3,232	2,385	1,600	-	2,178	1,710	2,358	1,475	1,852
Other Long-Term Liabilities	388	404	359	-	310	3.13	-	-	223
Total Equity & Noncontrolling Interests	7,435	6,701	6,401	5,084	4,384	3,350	2,533	2,377	2,207
Total Preferred & Common Equity	7,435	6,701	6,401	5,084	4,384	3,350	2,533	2,377	2,207
Preferred Stock	0.00	0.00	0.00	210	210	0.00	0.00	0.00	112
Total Common Equity	7,435	6,701	6,401	4,874	4,174	3,350	2,533	2,377	2,096
Common Stock	5,638	5,168	5,158	4,032	3,764	2,913	2,153	2,137	2,016
Retained Earnings	1,598	1,471	1,218	884	444	300	217	173	125
Treasury Stock	0.00	-1.39	-22	-23	-0.48	-2.19	-0.34	-1.85	0.00
Accumulated Other Comprehensive Income / (Loss)	-155	-146	-164	-18	-32	-69	-46	-42	-46
Other Equity Adjustments	354	210	210	-	-	210	210	112	-

This table presents Valley National Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022
Period end date	3/31/2025	9/30/2024	6/30/2024	3/31/2024	9/30/2023	6/30/2023	3/31/2023	9/30/2022
Total Assets	61,866	62,092	62,059	61,000	61,183	61,704	64,310	55,928
Cash and Due from Banks	509	512	478	399	445	463	445	431
Interest Bearing Deposits at Other Banks	715	528	531	542	699	1,491	5,261	687
Trading Account Securities	3,733	2,679	2,285	1,520	1,253	1,301	5,162	1,319
Loans and Leases, Net of Allowance	48,079	48,807	49,792	49,453	49,655	49,441	48,223	44,710
Loans and Leases	48,657	49,355	50,312	49,922	50,098	49,877	48,660	45,186
Allowance for Loan and Lease Losses	578	548	519	469	442	436	437	476
Loans Held for Sale	27	843	20	62	34	33	17	6.07
Accrued Investment Income	238	250	251	254	238	226	224	159
Premises and Equipment, Net	344	357	363	371	388	387	365	362
Goodwill	1,869	1,869	1,869	1,869	1,869	1,869	1,869	1,872
Intangible Assets	121	135	144	151	169	178	187	208
Other Assets	6,230	6,112	6,326	6,379	6,433	6,315	50,780	6,172
Total Liabilities & Shareholders' Equity	61,866	62,092	62,059	61,000	61,183	61,704	64,310	55,928
Total Liabilities	54,366	55,120	55,321	54,273	54,556	55,129	57,798	49,654
Non-Interest Bearing Deposits	11,629	11,154	11,118	11,273	11,672	12,434	13,576	15,421
Interest Bearing Deposits	38,337	39,242	38,994	37,805	38,214	37,186	34,015	29,888
Short-Term Debt	59	58	64	75	90	1,089	6,413	919
Other Short-Term Payables	984	939	1,425	1,403	1,793	1,498	-	1,460
Long-Term Debt	2,962	3,332	3,322	3,320	2,375	2,500	2,255	1,598
Other Long-Term Liabilities	394	395	398	397	413	421	1,540	367
Total Equity & Noncontrolling Interests	7,500	6,972	6,738	6,727	6,627	6,575	6,512	6,274
Total Preferred & Common Equity	7,500	6,972	6,738	6,727	6,627	6,575	6,512	6,274
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	210	0.00
Total Common Equity	7,500	6,972	6,738	6,727	6,627	6,575	6,302	6,274
Common Stock	5,641	5,181	5,174	5,168	5,161	5,153	5,146	5,151
Retained Earnings	1,635	1,551	1,516	1,507	1,460	1,380	1,301	1,101
Treasury Stock	-2.16	0.00	0.00	0.00	-1.72	-1.99	-1.29	-22
Accumulated Other Comprehensive Income / (Loss)	-128	-115	-163	-157	-202	-165	-144	-166
Other Equity Adjustments	354	354	210	210	210	210	-	210

This table displays calculated financial ratios and metrics derived from Valley National Bancorp's official financial filings.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-2.01%	1.55%	36.45%	4.84%	0.00%	12.24%	28.44%	6.98%	13.77%	14.79%
EBITDA Growth	-32.32%	-12.79%	20.61%	10.96%	16.66%	34.67%	24.01%	13.80%	63.73%	-11.96%
EBIT Growth	-35.35%	-13.11%	21.84%	20.88%	16.04%	38.55%	30.45%	8.29%	83.92%	-13.81%
NOPAT Growth	-23.72%	-12.37%	20.05%	21.31%	26.09%	18.50%	61.47%	-3.71%	63.32%	-11.38%
Net Income Growth	-23.72%	-12.37%	20.05%	21.31%	0.00%	18.50%	61.47%	-3.71%	63.32%	-11.38%
EPS Growth	-27.37%	-16.67%	1.79%	20.43%	0.00%	16.00%	29.31%	-7.94%	50.00%	-25.00%
Operating Cash Flow Growth	45.04%	-73.52%	70.64%	411.82%	0.00%	-13.83%	-50.91%	47.73%	170.56%	-15.79%
Free Cash Flow Firm Growth	74.07%	25.34%	65.24%	-165.45%	4,923.50%	86.95%	-135.01%	-246.69%	181.10%	-333.29%
Invested Capital Growth	7.34%	22.92%	41.81%	0.00%	-100.00%	6.64%	27.30%	14.31%	-3.95%	12.24%
Revenue Q/Q Growth	1.32%	-3.50%	9.73%	1.34%	0.00%	1.82%	0.00%	0.33%	3.59%	2.24%
EBITDA Q/Q Growth	0.17%	-17.44%	14.37%	-2.24%	0.00%	-2.87%	0.00%	3.56%	38.00%	-19.36%
EBIT Q/Q Growth	0.02%	-18.71%	12.68%	2.23%	0.00%	-4.22%	0.00%	-2.83%	47.11%	-23.64%
NOPAT Q/Q Growth	13.14%	-17.54%	12.36%	2.08%	0.00%	-11.18%	0.00%	-12.91%	37.01%	-16.58%
Net Income Q/Q Growth	13.14%	-17.54%	12.36%	2.08%	0.00%	-11.18%	0.00%	-12.91%	37.01%	-16.58%
EPS Q/Q Growth	11.29%	-18.80%	8.57%	1.82%	0.00%	-13.86%	0.00%	-13.43%	40.00%	-19.23%
Operating Cash Flow Q/Q Growth	548.74%	-55.75%	-3.79%	9.27%	0.00%	420.00%	0.00%	-11.68%	167.43%	-3.65%
Free Cash Flow Firm Q/Q Growth	62.04%	-551.08%	-53.20%	-334.29%	779.99%	97.73%	-120.36%	40.16%	295.69%	-1,644.07%
Invested Capital Q/Q Growth	3.64%	10.03%	-7.41%	-19.04%	-100.00%	-0.44%	0.00%	-10.17%	-4.81%	5.45%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	27.73%	40.15%	46.75%	52.89%	49.97%	50.13%	41.78%	43.27%	40.68%	28.27%
EBIT Margin	23.66%	35.87%	41.92%	46.94%	40.71%	41.06%	33.26%	32.75%	32.35%	20.01%
Profit (Net Income) Margin	20.52%	26.36%	30.54%	34.72%	30.00%	27.84%	26.37%	20.98%	23.31%	16.24%
Tax Burden Percent	86.72%	73.49%	72.87%	73.95%	73.69%	67.82%	79.29%	64.06%	72.05%	81.14%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	13.28%	26.51%	27.13%	26.05%	26.31%	32.18%	20.71%	35.94%	27.95%	18.86%
Return on Invested Capital (ROIC)	3.67%	5.50%	8.20%	16.51%	10.20%	4.18%	4.08%	3.06%	3.34%	2.12%
ROIC Less NNEP Spread (ROIC-NNEP)	3.67%	5.50%	8.20%	16.51%	10.20%	4.18%	4.08%	3.06%	3.34%	2.12%
Return on Net Nonoperating Assets (RNNOA)	1.71%	2.11%	1.71%	2.13%	7.61%	3.83%	4.81%	3.53%	4.00%	2.94%
Return on Equity (ROE)	5.38%	7.61%	9.91%	18.64%	17.82%	8.01%	8.89%	6.59%	7.34%	5.06%
Cash Return on Invested Capital (CROIC)	-3.42%	-15.07%	-26.38%	-183.49%	210.20%	-2.25%	-19.94%	-10.29%	7.36%	-9.41%
Operating Return on Assets (OROA)	0.71%	1.15%	1.55%	2.95%	2.83%	1.32%	1.18%	1.08%	1.05%	0.63%
Return on Assets (ROA)	0.62%	0.84%	1.13%	2.18%	2.09%	0.89%	0.94%	0.69%	0.76%	0.51%
Return on Common Equity (ROCE)	5.38%	7.61%	9.73%	17.87%	16.97%	7.79%	8.89%	6.59%	7.16%	4.92%
Return on Equity Simple (ROE_SIMPLE)	5.11%	7.44%	8.89%	9.32%	0.00%	7.07%	7.80%	6.39%	7.07%	4.66%
Net Operating Profit after Tax (NOPAT)	380	499	569	474	391	310	261	162	168	103
NOPAT Margin	20.52%	26.36%	30.54%	34.72%	30.00%	27.84%	26.37%	20.98%	23.31%	16.24%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	42.94%	43.13%	42.03%	39.89%	37.76%	40.94%	45.87%	47.36%	47.19%	50.55%
Operating Expenses to Revenue	59.67%	61.48%	55.03%	50.67%	49.63%	56.77%	63.46%	65.96%	66.00%	78.71%
Earnings before Interest and Taxes (EBIT)	439	678	781	641	530	457	330	253	233	127
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	514	759	871	722	651	558	414	334	293	179
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.61	0.77	0.80	0.99	0.00	0.78	0.66	0.85	0.87	0.73
Price to Tangible Book Value (P/TBV)	0.84	1.10	1.18	1.44	0.00	1.21	1.02	1.20	1.26	1.13
Price to Revenue (P/Rev)	2.46	2.73	2.74	3.52	2.51	2.94	2.24	2.79	2.88	2.42
Price to Earnings (P/E)	12.69	10.69	9.19	10.42	8.66	11.03	8.93	14.15	12.89	15.49
Dividend Yield	4.92%	4.33%	4.36%	3.73%	5.43%	4.57%	8.20%	5.39%	5.40%	6.67%
Earnings Yield	7.88%	9.36%	10.88%	9.59%	11.55%	9.07%	11.19%	7.07%	7.76%	6.45%
Enterprise Value to Invested Capital (EV/IC)	0.56	0.76	0.72	0.63	0.00	0.83	0.78	0.86	0.86	0.81
Enterprise Value to Revenue (EV/Rev)	3.22	4.00	3.17	2.65	2.51	5.68	5.67	6.28	5.88	6.57
Enterprise Value to EBITDA (EV/EBITDA)	11.62	9.96	6.77	5.02	5.03	11.34	13.58	14.51	14.44	23.23
Enterprise Value to EBIT (EV/EBIT)	13.61	11.15	7.55	5.65	6.17	13.84	17.05	19.18	18.16	32.81
Enterprise Value to NOPAT (EV/NOPAT)	15.70	15.18	10.37	7.64	8.38	20.41	21.51	29.94	25.21	40.43
Enterprise Value to Operating Cash Flow (EV/OCF)	10.88	20.01	4.13	4.33	20.01	24.14	18.50	7.83	10.11	26.87
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.41	0.00	0.00	0.00	11.43	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.44	0.49	0.27	0.13	0.00	0.75	1.14	1.23	1.08	1.33
Long-Term Debt to Equity	0.43	0.36	0.25	0.00	0.00	0.50	0.51	0.93	0.62	0.84
Financial Leverage	0.47	0.38	0.21	0.13	0.75	0.92	1.18	1.15	1.20	1.39
Leverage Ratio	8.73	9.04	8.79	8.55	8.54	8.96	9.50	9.54	9.70	9.93
Compound Leverage Factor	8.73	9.04	8.79	8.55	8.54	8.96	9.50	9.54	9.70	9.93
Debt to Total Capital	30.77%	33.02%	21.36%	11.42%	0.00%	42.73%	53.33%	55.08%	51.82%	57.03%
Short-Term Debt to Total Capital	0.68%	9.17%	1.70%	11.42%	0.00%	14.28%	29.52%	13.28%	21.91%	20.97%
Long-Term Debt to Total Capital	30.09%	23.84%	19.66%	0.00%	0.00%	28.45%	23.81%	41.81%	29.91%	36.06%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	3.65%	0.00%	2.74%	0.00%	0.00%	0.00%	2.17%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	69.23%	66.98%	78.64%	84.92%	0.00%	54.53%	46.67%	44.92%	48.18%	40.80%
Debt to EBITDA	6.43	4.35	2.00	0.91	0.00	5.87	9.25	9.30	8.71	16.34
Net Debt to EBITDA	2.75	3.18	0.91	-1.93	0.00	5.09	8.21	8.06	7.37	14.03
Long-Term Debt to EBITDA	6.29	3.14	1.84	0.00	0.00	3.91	4.13	7.06	5.03	10.33
Debt to NOPAT	8.69	6.63	3.06	1.38	0.00	10.56	14.64	19.19	15.20	28.45
Net Debt to NOPAT	3.72	4.84	1.39	-2.94	0.00	9.16	13.01	16.62	12.87	24.43
Long-Term Debt to NOPAT	8.50	4.79	2.81	0.00	0.00	7.03	6.54	14.56	8.78	17.99
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	1.83%	4.12%	4.78%	2.71%	0.00%	0.00%	2.43%	2.74%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-354	-1,367	-1,831	-5,266	8,046	-167	-1,278	-544	371	-457
Operating Cash Flow to CapEx	4,237.47%	655.01%	2,458.53%	2,745.36%	2,976.00%	0.00%	1,629.44%	7,068.84%	285,154.42%	1,522.05%
Free Cash Flow to Firm to Interest Expense	-0.21	-0.93	-5.70	-42.36	30.38	-0.39	-4.23	-3.12	2.49	-2.92
Operating Cash Flow to Interest Expense	0.32	0.26	4.45	6.73	0.62	0.62	1.01	3.56	2.82	0.99
Operating Cash Flow Less CapEx to Interest Expense	0.31	0.22	4.27	6.49	0.60	0.82	0.94	3.51	2.82	0.92
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.03	0.04	0.06	0.07	0.03	0.04	0.03	0.03	0.03
Fixed Asset Turnover	5.06	5.11	5.44	0.00	0.00	3.29	3.15	2.67	2.44	2.18
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	10,739	10,005	8,139	5,740	0.00	7,656	7,179	5,639	4,934	5,136
Invested Capital Turnover	0.18	0.21	0.27	0.48	0.34	0.15	0.15	0.15	0.14	0.13
Increase / (Decrease) in Invested Capital	735	1,865	2,400	5,740	-7,656	477	1,540	706	-203	560
Enterprise Value (EV)	5,970	7,566	5,897	3,622	3,272	6,322	5,622	4,847	4,238	4,163
Market Capitalization	4,556	5,154	5,107	4,806	3,272	3,276	2,222	2,157	2,074	1,536
Book Value per Share	$14.60	$13.20	$12.64	$11.98	$0.00	$12.58	$10.11	$9.58	$9.34	$9.00
Tangible Book Value per Share	$10.68	$9.20	$8.56	$8.22	$0.00	$8.18	$6.61	$6.81	$6.45	$5.84
Total Capital	10,739	10,005	8,139	5,740	0.00	7,656	7,179	5,639	4,934	5,136
Total Debt	3,304	3,303	1,739	656	0.00	3,271	3,829	3,106	2,556	2,929
Total Long-Term Debt	3,232	2,385	1,600	0.00	0.00	2,178	1,710	2,358	1,475	1,852
Net Debt	1,414	2,412	791	-1,394	0.00	2,837	3,400	2,690	2,164	2,515
Capital Expenditures (CapEx)	13	58	58	30	5.50	-86	19	8.76	0.15	10
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	3,304	3,303	1,739	656	0.00	3,271	3,829	3,106	2,556	2,929
Total Depreciation and Amortization (D&A)	75	81	90	81	121	101	84	81	60	52
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.70	$0.95	$1.14	$0.00	$0.94	$0.00	$0.00	$0.58	$0.00	$0.00
Adjusted Weighted Average Basic Shares Outstanding	560.28M	508.88M	485.43M	0.00	403.75M	0.00	0.00	264.04M	0.00	0.00
Adjusted Diluted Earnings per Share	$0.69	$0.95	$1.14	$0.00	$0.93	$0.00	$0.00	$0.58	$0.00	$0.00
Adjusted Weighted Average Diluted Shares Outstanding	560.28M	508.88M	487.82M	0.00	405.05M	0.00	0.00	264.89M	0.00	0.00
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	560.28M	508.88M	507.75M	0.00	405.61M	0.00	0.00	330.82M	0.00	0.00
Normalized Net Operating Profit after Tax (NOPAT)	380	499	569	480	399	331	261	162	168	144
Normalized NOPAT Margin	20.52%	26.36%	30.54%	35.17%	30.68%	29.80%	26.37%	20.98%	23.31%	22.78%
Pre Tax Income Margin	23.66%	35.87%	41.92%	46.94%	40.71%	41.06%	33.26%	32.75%	32.35%	20.01%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.25	0.46	2.43	5.15	2.00	1.08	1.09	1.45	1.57	0.81
NOPAT to Interest Expense	0.22	0.34	1.77	3.81	1.48	0.73	0.87	0.93	1.13	0.66
EBIT Less CapEx to Interest Expense	0.25	0.42	2.25	4.91	1.98	1.28	1.03	1.40	1.57	0.74
NOPAT Less CapEx to Interest Expense	0.21	0.30	1.59	3.57	1.45	0.94	0.80	0.88	1.13	0.59
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	65.64%	48.09%	38.52%	40.59%	48.81%	51.40%	59.18%	75.45%	70.77%	103.05%
Augmented Payout Ratio	67.97%	50.39%	42.76%	45.64%	50.19%	51.98%	60.64%	77.08%	72.67%	105.09%

This table displays calculated financial ratios and metrics derived from Valley National Bancorp's official financial filings.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	5.15%	5.38%	0.02%	-5.61%	-7.21%	-13.24%	-7.66%	0.66%	37.37%	46.70%	48.54%
EBITDA Growth	4.25%	0.81%	-33.13%	-46.75%	-33.93%	-59.79%	-19.96%	33.63%	28.44%	68.88%	40.88%
EBIT Growth	7.47%	0.11%	-34.98%	-51.09%	-36.45%	-63.71%	-20.97%	43.51%	30.55%	55.83%	49.40%
NOPAT Growth	10.16%	61.71%	-30.77%	-49.36%	-34.30%	-59.71%	-20.65%	44.23%	25.55%	54.38%	45.31%
Net Income Growth	10.16%	61.71%	-30.77%	-49.36%	-34.30%	-59.71%	-20.65%	44.23%	25.55%	54.38%	45.31%
EPS Growth	0.00%	53.85%	-33.33%	-51.85%	-35.71%	-62.86%	-20.59%	50.00%	3.70%	34.62%	17.24%
Operating Cash Flow Growth	-117.21%	240.78%	-142.01%	-61.26%	136.90%	-240.78%	-11.99%	78.45%	-154.37%	-22.12%	230.05%
Free Cash Flow Firm Growth	-105.69%	65.49%	-631.69%	113.33%	164.53%	19.27%	89.48%	46.24%	-816.95%	60.50%	-179.91%
Invested Capital Growth	3.94%	7.34%	13.97%	-0.41%	-33.32%	22.92%	3.43%	10.63%	115.42%	41.81%	24.00%
Revenue Q/Q Growth	0.89%	0.64%	4.03%	-0.45%	1.11%	-4.48%	-1.83%	-2.14%	-5.46%	1.65%	7.03%
EBITDA Q/Q Growth	42.75%	-24.70%	28.93%	-24.79%	38.05%	-50.05%	2.66%	-6.68%	-15.98%	-0.56%	71.40%
EBIT Q/Q Growth	56.21%	-29.69%	35.73%	-27.90%	45.51%	-54.34%	2.10%	-6.33%	-16.90%	-0.56%	85.41%
NOPAT Q/Q Growth	-8.34%	18.25%	38.95%	-26.86%	34.56%	-49.38%	1.64%	-5.11%	-17.48%	-0.30%	84.75%
Net Income Q/Q Growth	-8.34%	18.25%	38.95%	-26.86%	34.56%	-49.38%	1.64%	-5.11%	-17.48%	-0.30%	84.75%
EPS Q/Q Growth	-10.00%	11.11%	38.46%	-27.78%	38.46%	-51.85%	0.00%	-3.57%	-20.00%	2.94%	88.89%
Operating Cash Flow Q/Q Growth	-104.37%	349.54%	-173.44%	115.05%	135.72%	-174.47%	-32.27%	304.82%	-236.28%	-53.45%	37.33%
Free Cash Flow Firm Q/Q Growth	52.66%	47.19%	-1,149.74%	-97.83%	387.30%	-1,019.81%	80.87%	89.51%	-259.43%	-45.88%	2.21%
Invested Capital Q/Q Growth	-2.03%	3.64%	2.36%	0.01%	1.17%	10.03%	-10.55%	-33.04%	86.49%	-7.41%	-4.32%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	32.44%	22.93%	30.64%	24.72%	32.72%	23.97%	45.83%	43.83%	45.96%	51.72%	52.87%
EBIT Margin	29.08%	18.78%	26.89%	20.61%	28.45%	19.77%	41.36%	39.77%	41.55%	47.27%	48.32%
Profit (Net Income) Margin	22.17%	24.40%	20.77%	15.55%	21.16%	15.90%	30.00%	28.98%	29.89%	34.24%	34.91%
Tax Burden Percent	76.23%	129.92%	77.25%	75.46%	74.37%	80.43%	72.55%	72.88%	71.94%	72.45%	72.25%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	23.77%	-29.92%	22.75%	24.54%	25.63%	19.57%	27.45%	27.12%	28.06%	27.55%	27.75%
Return on Invested Capital (ROIC)	4.03%	4.36%	3.91%	2.80%	3.10%	3.32%	6.58%	5.99%	5.37%	9.19%	7.46%
ROIC Less NNEP Spread (ROIC-NNEP)	4.03%	4.36%	3.91%	2.80%	3.10%	3.32%	6.58%	5.99%	5.37%	9.19%	7.46%
Return on Net Nonoperating Assets (RNNOA)	1.82%	2.04%	1.68%	1.47%	2.83%	1.28%	2.54%	3.08%	4.91%	1.92%	3.22%
Return on Equity (ROE)	5.85%	6.40%	5.59%	4.27%	5.93%	4.59%	9.12%	9.07%	10.28%	11.11%	10.68%
Cash Return on Invested Capital (CROIC)	-0.09%	-3.42%	-9.60%	4.15%	43.52%	-15.07%	3.39%	-3.46%	-67.80%	-26.38%	-15.05%
Operating Return on Assets (OROA)	0.89%	0.56%	0.80%	0.61%	0.84%	0.63%	1.38%	1.37%	1.54%	1.74%	1.69%
Return on Assets (ROA)	0.68%	0.73%	0.62%	0.46%	0.63%	0.51%	1.00%	1.00%	1.11%	1.26%	1.22%
Return on Common Equity (ROCE)	5.85%	6.40%	5.59%	4.27%	5.84%	4.59%	9.12%	9.07%	10.09%	10.90%	10.48%
Return on Equity Simple (ROE_SIMPLE)	5.20%	0.00%	4.82%	5.63%	6.66%	0.00%	9.12%	9.75%	9.19%	0.00%	8.07%
Net Operating Profit after Tax (NOPAT)	106	116	98	70	96	72	141	139	147	178	178
NOPAT Margin	22.17%	24.40%	20.77%	15.55%	21.16%	15.90%	30.00%	28.98%	29.89%	34.24%	34.91%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	41.47%	42.00%	41.34%	44.22%	44.31%	45.27%	42.30%	43.35%	41.76%	38.48%	39.28%
Operating Expenses to Revenue	57.82%	58.75%	57.19%	61.27%	61.61%	75.65%	56.71%	58.97%	55.51%	51.34%	51.28%
Earnings before Interest and Taxes (EBIT)	139	89	127	93	129	89	195	191	204	245	247
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	155	109	144	112	149	108	216	210	225	268	270
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.66	0.61	0.65	0.51	0.57	0.77	0.61	0.55	0.67	0.80	0.77
Price to Tangible Book Value (P/TBV)	0.90	0.84	0.91	0.72	0.82	1.10	0.88	0.79	1.00	1.18	1.15
Price to Revenue (P/Rev)	2.65	2.46	2.46	1.87	2.07	2.73	2.05	1.80	2.12	2.74	2.85
Price to Earnings (P/E)	13.61	12.69	14.18	9.43	8.89	10.69	6.82	5.74	7.23	9.19	9.79
Dividend Yield	4.95%	4.92%	4.97%	6.54%	5.83%	4.33%	5.56%	6.22%	5.28%	4.36%	4.61%
Earnings Yield	7.35%	7.88%	7.05%	10.61%	11.25%	9.36%	14.66%	17.43%	13.83%	10.88%	10.22%
Enterprise Value to Invested Capital (EV/IC)	0.64	0.56	0.66	0.57	0.62	0.76	0.59	0.51	0.49	0.72	0.71
Enterprise Value to Revenue (EV/Rev)	3.61	3.22	3.75	3.17	3.39	4.00	2.72	2.62	3.71	3.17	3.67
Enterprise Value to EBITDA (EV/EBITDA)	13.03	11.62	13.36	9.92	9.22	9.96	5.80	5.37	8.04	6.77	8.18
Enterprise Value to EBIT (EV/EBIT)	15.12	13.61	15.64	11.45	10.42	11.15	6.40	5.90	8.93	7.55	8.99
Enterprise Value to NOPAT (EV/NOPAT)	17.38	15.70	20.40	15.28	14.04	15.18	8.83	8.15	12.36	10.37	12.30
Enterprise Value to Operating Cash Flow (EV/OCF)	15.69	10.88	0.00	14.18	8.42	20.01	6.25	5.77	11.17	4.13	4.20
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	13.78	1.14	0.00	17.62	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.40	0.44	0.49	0.50	0.50	0.49	0.37	0.55	1.33	0.27	0.40
Long-Term Debt to Equity	0.40	0.43	0.48	0.49	0.49	0.36	0.36	0.38	0.35	0.25	0.25
Financial Leverage	0.45	0.47	0.43	0.52	0.91	0.38	0.39	0.51	0.91	0.21	0.43
Leverage Ratio	8.64	8.73	9.06	9.30	9.47	9.04	9.08	9.09	9.29	8.79	8.76
Compound Leverage Factor	8.64	8.73	9.06	9.30	9.47	9.04	9.08	9.09	9.29	8.79	8.76
Debt to Total Capital	28.72%	30.77%	32.71%	33.44%	33.54%	33.02%	27.11%	35.31%	57.10%	21.36%	28.63%
Short-Term Debt to Total Capital	0.56%	0.68%	0.56%	0.63%	0.74%	9.17%	0.99%	10.71%	42.25%	1.70%	10.46%
Long-Term Debt to Total Capital	28.15%	30.09%	32.15%	32.81%	32.80%	23.84%	26.12%	24.60%	14.85%	19.66%	18.18%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.38%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	71.28%	69.23%	67.29%	66.56%	66.46%	66.98%	72.89%	64.69%	41.52%	78.64%	71.37%
Debt to EBITDA	5.81	6.43	6.61	5.79	4.97	4.35	2.68	3.69	9.41	2.00	3.31
Net Debt to EBITDA	3.45	2.75	4.58	4.07	3.59	3.18	1.44	1.68	3.22	0.91	1.84
Long-Term Debt to EBITDA	5.69	6.29	6.49	5.68	4.86	3.14	2.58	2.57	2.45	1.84	2.10
Debt to NOPAT	7.75	8.69	10.09	8.92	7.57	6.63	4.08	5.60	14.48	3.06	4.97
Net Debt to NOPAT	4.61	3.72	6.99	6.26	5.47	4.84	2.19	2.55	4.95	1.39	2.76
Long-Term Debt to NOPAT	7.59	8.50	9.91	8.75	7.41	4.79	3.93	3.90	3.77	2.81	3.16
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	1.58%	0.00%	0.00%	0.00%	1.81%	1.83%	1.89%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-293	-619	-1,172	112	5,154	-1,794	-160	-837	-7,986	-2,222	-1,523
Operating Cash Flow to CapEx	-2,161.87%	5,665.12%	-6,003.36%	8,183.59%	12,612.29%	-6,095.95%	8,928.28%	1,791.06%	-1,486.83%	1,319.91%	2,794.29%
Free Cash Flow to Firm to Interest Expense	-0.80	-1.50	-2.60	0.26	11.84	-4.26	-0.40	-2.28	-28.10	-12.29	-18.41
Operating Cash Flow to Interest Expense	-0.05	0.95	-0.35	0.50	0.23	-0.66	0.93	1.50	-0.95	1.09	5.14
Operating Cash Flow Less CapEx to Interest Expense	-0.05	0.94	-0.36	0.49	0.23	-0.67	0.92	1.42	-1.01	1.01	4.95
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.04	0.04	0.03
Fixed Asset Turnover	5.25	5.06	4.91	4.88	5.04	5.11	5.23	5.35	5.68	5.44	4.98
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	10,521	10,739	10,362	10,123	10,122	10,005	9,092	10,165	15,179	8,139	8,791
Invested Capital Turnover	0.18	0.18	0.19	0.18	0.15	0.21	0.22	0.21	0.18	0.27	0.21
Increase / (Decrease) in Invested Capital	399	735	1,270	-41	-5,057	1,865	302	976	8,133	2,400	1,701
Enterprise Value (EV)	6,778	5,970	6,855	5,800	6,294	7,566	5,338	5,229	7,401	5,897	6,229
Market Capitalization	4,981	4,556	4,505	3,424	3,840	5,154	4,017	3,595	4,230	5,107	4,830
Book Value per Share	$13.39	$14.60	$13.69	$13.23	$13.22	$13.20	$13.06	$12.95	$12.41	$12.64	$12.39
Tangible Book Value per Share	$9.83	$10.68	$9.76	$9.28	$9.25	$9.20	$9.04	$8.92	$8.36	$8.56	$8.28
Total Capital	10,521	10,739	10,362	10,123	10,122	10,005	9,092	10,165	15,179	8,139	8,791
Total Debt	3,021	3,304	3,390	3,386	3,395	3,303	2,465	3,589	8,668	1,739	2,517
Total Long-Term Debt	2,962	3,232	3,332	3,322	3,320	2,385	2,375	2,500	2,255	1,600	1,598
Net Debt	1,797	1,414	2,350	2,377	2,454	2,412	1,321	1,635	2,962	791	1,399
Capital Expenditures (CapEx)	0.79	6.92	2.62	2.62	0.79	4.57	4.19	31	18	15	15
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	3,021	3,304	3,390	3,386	3,395	3,303	2,465	3,589	8,668	1,739	2,517
Total Depreciation and Amortization (D&A)	16	20	18	19	19	19	21	19	22	23	23
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.18	$0.21	$0.18	$0.13	$0.18	$0.13	$0.27	$0.27	$0.28	$0.34	$0.35
Adjusted Weighted Average Basic Shares Outstanding	560.34M	560.28M	509.37M	509.22M	509.18M	508.88M	507.68M	507.63M	507.88M	507.75M	506.34M
Adjusted Diluted Earnings per Share	$0.18	$0.20	$0.18	$0.13	$0.18	$0.13	$0.27	$0.27	$0.28	$0.35	$0.34
Adjusted Weighted Average Diluted Shares Outstanding	560.34M	560.28M	509.37M	509.22M	509.18M	508.88M	507.68M	507.63M	507.88M	507.75M	508.69M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	560.34M	560.28M	509.37M	509.22M	509.18M	508.88M	507.68M	507.63M	507.88M	507.75M	506.36M
Normalized Net Operating Profit after Tax (NOPAT)	106	62	98	70	96	72	141	139	147	178	178
Normalized NOPAT Margin	22.17%	13.15%	20.77%	15.55%	21.16%	15.90%	30.00%	28.98%	29.89%	34.24%	34.91%
Pre Tax Income Margin	29.08%	18.78%	26.89%	20.61%	28.45%	19.77%	41.36%	39.77%	41.55%	47.27%	48.32%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.38	0.22	0.28	0.22	0.30	0.21	0.49	0.52	0.72	1.36	2.98
NOPAT to Interest Expense	0.29	0.28	0.22	0.16	0.22	0.17	0.35	0.38	0.52	0.98	2.15
EBIT Less CapEx to Interest Expense	0.38	0.20	0.28	0.21	0.30	0.20	0.48	0.44	0.65	1.27	2.80
NOPAT Less CapEx to Interest Expense	0.29	0.26	0.21	0.16	0.22	0.16	0.34	0.29	0.45	0.90	1.97
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	66.00%	65.64%	72.80%	63.41%	53.62%	48.09%	40.16%	37.69%	38.63%	38.52%	40.66%
Augmented Payout Ratio	68.82%	67.97%	75.38%	65.68%	55.90%	50.39%	42.05%	39.46%	40.15%	42.76%	49.98%

Frequently Asked Questions About Valley National Bancorp's Financials

When does Valley National Bancorp's financial year end?

According to the most recent income statement we have on file, Valley National Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Valley National Bancorp's net income changed over the last 8 years?

Valley National Bancorp's net income appears to be on an upward trend, with a most recent value of $380.27 million in 2024, rising from $102.96 million in 2015. The previous period was $498.51 million in 2023. See where experts think Valley National Bancorp is headed by visiting Valley National Bancorp's forecast page.

How has Valley National Bancorp revenue changed over the last 8 years?

Over the last 8 years, Valley National Bancorp's total revenue changed from $634.07 million in 2015 to $1.85 billion in 2024, a change of 192.3%.

How much debt does Valley National Bancorp have?

Valley National Bancorp's total liabilities were at $55.06 billion at the end of 2024, a 1.5% increase from 2023, and a 183.7% increase since 2015.

How much cash does Valley National Bancorp have?

In the past 8 years, Valley National Bancorp's cash and equivalents has ranged from $205.16 million in 2021 to $444.33 million in 2022, and is currently $411.41 million as of their latest financial filing in 2024.

How has Valley National Bancorp's book value per share changed over the last 9 years?

Over the last 9 years, Valley National Bancorp's book value per share changed from 9.00 in 2015 to 14.60 in 2024, a change of 62.2%.

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This page (NASDAQ:VLY) was last updated on 5/29/2025 by MarketBeat.com Staff

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Valley National Bancorp (VLY) Financials

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Valley National Bancorp (VLY) Financials

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