Company Analysis

Valley National Bancorp (VLY)

Nasdaq: VLY · National Commercial Banks · New York, NY · filing with the SEC since 1994
Grade3.7
◀ Past 3.9● Present 4.0▶ Future 3.0

The grade of Valley National Bancorp

Nine metrics read from its own filings, by tense
Headline grade
3.7/10
◀ Past3.940% of the headline
● Present4.035% of the headline
▶ Future3.025% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

3.9/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
1.8/10

Has it survived what it has been through?

3 warning events since 2017; the latest 2020-03-03.

weight 45% of this tense · 18th percentile among 83 sector filers · read for itself

From the record

Valley National Bancorp's filings since 2017 show 3 warning events of 2 kinds: a notice about its exchange listing (8-K item 3.01, 2 times, the latest 2018-10-09); a late-report notice (Form NT 10-K or NT 10-Q, the latest 2020-03-03) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
5.8/10

What has it actually done, year after year?

+17.4% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 58th percentile among 79 sector filers · read for its customers

From the record

Valley National Bancorp's 10 filed years say what it did: revenue went from $762 million in fiscal 2016 to $3.2 billion in fiscal 2025, up 17.4% a year; it rose in 7 of 9 years; the deepest fall was 4% from fiscal 2024 to fiscal 2025; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span17.4%top 28% of its family
  • the share of years revenue rosebottom 41% of its family
  • the share of filed years with a profittop 42% of its family
  • the deepest fall from a revenue peak3.7%top 37% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
5.5/10

How has it treated the people who own it?

Share count grew 4.9% a year. 60% of cash flow returned. Insiders: 2 sales, 1 purchases.

weight 33% of this tense · 55th percentile among 81 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Valley National Bancorp's diluted share count grew about 4.9% a year, and dividends and buybacks returned about 60% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 2 sales and 1 purchase of their own stock on the open market in the year to 2026-10-05, buying about $34 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearsbottom 30% of its family
  • cash returned against operating cash flowtop 20% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.0/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
3.8/10

Is it financially healthy right now?

ROE 8%: 8¢ of profit per shareholder dollar. Leverage 88%: owes 88¢ per asset dollar.

weight 45% of this tense · 38th percentile among 83 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Valley National Bancorp earned about 8 cents of profit for every dollar of shareholders' money. Leverage: it owed about 88 cents per dollar of assets, and net share issuance: its share count grew 8.8% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 26% of its family
  • return on equitybottom 20% of its family
  • the share count against the year beforebottom 21% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
4.9/10

How strong is its position in its industry?

bottom 49% of 79 in its family; net margin 18.5%.

weight 33% of this tense · 49th percentile among 79 sector filers · read for its customers

From the record

Valley National Bancorp's standing among 79 graded names in its industry family: revenue of $3.2 billion in fiscal 2025 ranks in the top 23% by size; a net margin of 18.5% ranks in the bottom 25%; revenue growth of 17.8% a year over the last 3 filed years ranks in the bottom 46% (its annual reports).

What it rests on

  • revenue against the family$3.23Btop 23% of its family
  • net margin18.5%bottom 25% of its family
  • three-year revenue growth17.8%bottom 46% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
3.1/10

What are the people in charge doing?

bottom 31% of 74 in its family for leadership; chief executive since 2018.

weight 22% of this tense · 31st percentile among 74 sector filers · read for its shareholders

From the record

Valley National Bancorp's leadership, from its insiders' filings and its current reports: the chief executive on the record is Robbins, Ira (Chief Executive Officer, as filed), filing under that title since 2018-01-26, 8.8 years (top 36% of its family); the 20 officers and directors filing in the last fifteen months have been on the record a median of 4.6 years (bottom 15%); 10 officer or director changes were reported on Form 8-K since 2023-11-13, against the 20 people in charge now (bottom 14%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge10 in three years among 20 peoplebottom 14% of its family
  • the median years the people in charge have filed4.6 yearsbottom 15% of its family
  • the chief executive's years on the record8.8 yearstop 36% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

3.0/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
3.1/10

How much room does it have to grow?

bottom 31% of 71 in its family for room to expand.

weight 33% of this tense · 31st percentile among 71 sector filers · read for itself

From the record

Valley National Bancorp's room to grow, from the newest filed statements (fiscal 2025): cash of $1.6 billion against no long-term debt tagged leaves 2.5% of its assets as net cash, top 49% of its family; cash from operations less capital spending is 10.1% of revenue (bottom 12%) (its annual report).

What it rests on

  • cash less debt against assets2.5%top 49% of its family
  • cash from operations less capital spending against revenue10.1%bottom 12% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
1.5/10

What could actually drive growth from here?

bottom 15% of 79 in its family for growth drivers.

weight 33% of this tense · 15th percentile among 79 sector filers · read for its customers

From the record

Valley National Bancorp's growth drivers, from the filed years to fiscal 2025: revenue grew 17.8% a year over the last three filed years against 17.4% over all 10, speeding up (bottom 31% of its family); the newest year grew -3.7% (bottom 9%); capital spending grew -36% a year (bottom 5%) (its annual reports). Valley National Bancorp tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+0.4 points a yearbottom 31% of its family
  • the newest year's revenue growth-3.7%bottom 9% of its family
  • three-year growth of capital spending-36.0%bottom 5% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
4.3/10

Did its newest year beat what its own record pointed to?

bottom 43% of 76 in its family for expectations against reality.

weight 33% of this tense · 43rd percentile among 76 sector filers · read for its shareholders

From the record

Valley National Bancorp's newest year against its own record: revenue of $3.2 billion in fiscal 2025 came in 26.1% below the $4.4 billion its prior three years' pace pointed to (bottom 11% of its family); net income of $598 million against a prior three-year average of $483 million (top 41%); a net margin of 18.5% against 18.7% before (top 41%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-26.1%bottom 11% of its family
  • net income against the prior three years' average+24%top 41% of its family
  • net margin against its prior average-0.2 pointstop 41% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton VLY · research, not advice