Valley National Bancorp (VLY) Stock

Valley National Bancorp (VLY) is a Financials stock trading at $14.13 (as of 2026-08-20), with a market capitalization of $7.83B and a trailing P/E of 13.8. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Valley National Bancorp is the holding company for Valley National Bank, providing financial products and services including deposit accounts, lending for commercial and consumer purposes, and investment and trust services. It also offers international banking products and services such as letters of credit, documentary collections, wire transfers, and foreign exchange.

Understand Valley National Bancorp: how it makes money

Valley National Bancorp is a bank holding company that provides commercial and retail financial services, including loans, deposit accounts, and investment and wealth management, and it makes money by earning returns on lending and investments that are funded by customer deposits.

The profit engine is the spread between income generated from its lending and investment activities (Commercial Lending, Consumer Lending, Investment Management) and the costs of funding those assets through customer deposits.

Business quality (Mixed): With the provided data, segment revenue detail and operating KPIs are missing, so the key earnings drivers can only be described at a high level.

Valuation: At 12× earnings, VLY trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Broad offering within banking: The company serves both commercial and consumer customers, offering loans across categories such as commercial and industrial, commercial real estate, residential mortgage, and automobile loans, plus investment management services.
  • Multiple deposit types for funding: It offers several deposit account types, including non-interest bearing, savings, NOW, money market, and time deposits, which can help shape funding sources.

Bear case

  • Loan-book performance can swing results: Because its business includes multiple lending categories, weakness in borrower performance in areas like commercial real estate, residential mortgage, or automobile loans can impact earnings.
  • Funding mix and deposit economics matter: Net results depend on how the income earned on loans and investments compares with deposit funding costs, which can change with the mix of deposit types.
Valuation — source: SEC EDGAR (first-party)
Price$14.13
Market Cap$7.83B
P/E Ratio13.8
EV / EBITDA8.4
Price / Book1.00
Price / Sales2.43
FCF Yield5.9%
DCF Value (model)$14.97
DCF Upside vs Price6.0%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$3.23B
Net Margin18.5%
Revenue Growth (YoY)-3.7%
EPS Growth (YoY)45.7%
FCF Growth (YoY)-38.8%
Valuation vs Sector & Industry
Stock P/E13.8
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector-8.7%
vs Industry7.0%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($867.74M)
Institutional Holders Tracked10
Congressional Trades (recent)2
Company
SectorFinancials
IndustryBanking
CEOIra D. Robbins
Employees3,732
CountryUS
IPO Date1990-03-23

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

  • Webster Financial Corporation (WBS)
  • First Horizon Corporation (FHN)
  • UMB Financial Corporation (UMBF)
  • Cullen/Frost Bankers, Inc. (CFR)
  • Zions Bancorporation, National Association (ZION)
  • Old National Bancorp (ONB)
  • BOK Financial Corporation (BOKF)
  • F.N.B. Corporation (FNB)
VLY earnings history · VLY institutional & insider holders · VLY KPIs & operating metrics · VLY financials · VLY investor presentations & press releases · VLY SEC filings · VLY peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.