VLY · Valley National Bancorp
$13.95
-0.14 (-0.99%)
At close · Aug 27
Market Cap
$7.79B
Shares
552.61M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$14.09
Open$14.18
Day$14.06–14.19
52W close$9.72–15.19
Avg vol 30d6.7M
Short int41.9M · 7.6% float · 7.2d
Short vol69%
Last earningsJul 23, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 22, 2026
Est · unconfirmed
· in 8 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Low
Market backdrop
VIX 15.2 · calm
Equity put/call 0.64
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+8%
above
Price vs 50-day avg
−3%
below
RSI (14)
38
neutral
MACD trend
Negative
52-week position
80%
mid-range
Momentum
relative strength
1-month return
−1%
trailing
6-month return
+13%
trailing
YTD return
+21%
this year
Relative strength
+1%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $15 › 200d $13 — 50d above 200d
Institutional flow
Accumulating
+0% holders QoQ · +57 funds added
Insider flow
Distributing
Net -$373.0K over 90 days · 100% sells
Short interest
Falling
7.59% of float · ▼ -4.6% MoM · 7.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
470 holders — near 3-yr high, broad support
Squeeze score
64
elevated · 0–100
Fundamentals
Revenue growth
+7%
Y/Y
EPS growth
+46%
Y/Y
Free cash flow
$325.7M
Valuation
P/E 11.9
below peers
Balance sheet
$1.3B
net debt
Quant / Vol
risk profile
Volatility
27%
annualized · 1-yr
Max drawdown
−14%
past year
ATR
2.1%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Dec 31, 2025
C&I growth
· 2026
up to 10%
Net interest income growth
· 2026
11% – 13%
Prior guidance
period ended
· from the Earnings Call filed Sep 30, 2025
NIM
· fourth quarter of 2025
at least 3.1%
Net interest income
· fourth quarter
3%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+8%
Bullish
Price vs 50-day avg
−3%
Neutral
RSI (14)
38
Neutral
MACD trend
Negative
Bearish
52-week position
80%
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $15 › 200d $13 — 50d above 200d
Institutional flow
Accumulating
+0% holders QoQ · +57 funds added
Insider flow
Distributing
Net -$373.0K over 90 days · 100% sells
Short interest
Falling
7.59% of float · ▼ -4.6% MoM · 7.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
470 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $10
Now $14 · 80%
Range high $15
vs 200-day avg +8%
vs 50-day avg -3%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Net income, as adjusted non-GAAP | $172.85M | Three Months Ended June 30, 2026 filing | — |
| Return on average tangible common shareholders' equity (ROATCE) non-GAAP | 11.91% | Three Months Ended June 30, 2026 filing | — |
| ROATCE (non-GAAP) non-GAAP | 11.91% | Three Months Ended June 30, 2026 filing | — |
| ROATCE, as adjusted non-GAAP | 12.05% | Three Months Ended June 30, 2026 filing | — |
| Allowance for credit losses for loans as a percentage of total loans | 1.16% | second quarter 2026 | — |
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| Annualized return on average assets | 1.04% | second quarter 2026 | — |
| Annualized return on average assets, as adjusted non-GAAP | 1.05% | second quarter 2026 | — |
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| Annualized return on average assets, as adjusted (non-GAAP) non-GAAP | 1.05% | Six Months Ended June 30, 2026 | — |
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| Annualized return on average shareholders' equity | 8.65% | second quarter 2026 | — |
| Annualized return on average shareholders' equity, as adjusted (non-GAAP) non-GAAP | 8.67% | Six Months Ended June 30, 2026 | — |
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| Annualized return on average tangible common shareholders' equity | 11.91% | second quarter 2026 | — |
| Annualized return on average tangible common shareholders' equity, as adjusted non-GAAP | 12.05% | second quarter 2026 | — |
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| Annualized return on average tangible common shareholders' equity, as adjusted (non-GAAP) non-GAAP | 11.98% | Six Months Ended June 30, 2026 | — |
| Basic earnings per share, as adjusted non-GAAP | $0.3 | Q2 2026 | — |
| Book value per common share | $13.67 | As of June 30, 2026 | — |
| Common equity tier 1 capital | 10.71% | As of June 30, 2026 | — |
| Common equity tier 1 capital ratio | 10.71% | Q2 2026 | — |
| Common shares outstanding | 553,069,100 | As of June 30, 2026 | — |
| CRE loan concentration ratio | 317% | second quarter 2026 | — |
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| Diluted earnings per share, as adjusted non-GAAP | $0.3 | Q2 2026 | — |
| Efficiency ratio (non-GAAP) non-GAAP | 52.6% | Six Months Ended June 30, 2026 | — |
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| Gross loan charge-offs | 27.6M | Q2 2026 | — |
| Loans 30 to 59 days past due | 151M | Q2 2026 | — |
| Loans 60 to 89 days past due | 13.1M | Q2 2026 | — |
| Loans 90 days or more past due and still accruing interest | 16.1M | Q2 2026 | — |
| Net interest income on a tax equivalent basis | $488.4M | second quarter 2026 | — |
| Net interest margin | 3.19% | Three Months Ended June 30, 2026 | — |
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| Net interest margin - FTE non-GAAP | 3.2% | Q2 2026 | — |
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| Net interest margin on a tax equivalent basis | 3.2% | second quarter 2026 | — |
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| Net loan charge-offs | $22M | second quarter 2026 | — |
| Non-accrual loans | $462.6M | second quarter 2026 | — |
| Non-Performing Assets (NPAs) | 467.8M | Q2 2026 | — |
| Tangible book value per common share non-GAAP | $10.13 | As of June 30, 2026 | — |
| Tier 1 capital ratio | 11.37% | Q2 2026 | — |
| Tier 1 leverage capital | 9.49% | As of June 30, 2026 | — |
| Tier 1 leverage capital ratio | 9.49% | Q2 2026 | — |
| Tier 1 risk-based capital | 11.37% | As of June 30, 2026 | — |
| Total accruing past due loans | 180.21M | As of June 30, 2026 | — |
| Total accruing past due loans as a percentage of total loans | 0.34% | second quarter 2026 | — |
| Total net charge-offs | -22.05M | Three Months Ended June 30, 2026 | — |
| Total non-accrual loans | 462.63M | As of June 30, 2026 | — |
| Total non-accrual loans as a % of loans | 0.88% | As of June 30, 2026 | — |
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| Total non-performing assets | 467.78M | As of June 30, 2026 | — |
| Total risk-based capital | 13.77% | As of June 30, 2026 | — |
| Total risk-based capital ratio | 13.77% | Q2 2026 | — |
| ACL / Total Loans | 0.85% | 3/31/26 | — |
| Annualized pre-provision net revenue / average assets (GAAP) | 1.44% | Three Months Ended March 31, 2026 | — |
| Annualized pre-provision net revenue / average assets, as adjusted (Non-GAAP) non-GAAP | 1.58% | Three Months Ended March 31, 2026 | — |
| Annualized return on average tangible common shareholders' equity (non-GAAP) non-GAAP | 11.56% | Three Months Ended March 31, 2026 | — |
| Annualized return on average tangible shareholders' equity, as adjusted (Non-GAAP) non-GAAP | 11.92% | Three Months Ended March 31, 2026 | — |
| Common Equity Tier 1 | 10.91% | 3/31/26 | — |
| Criticized & Classified as % of Total Loans | 8.1% | 1Q26 | — |
| Criticized and Classified Loans | $4.4B | 1Q26 | — |
| Diluted Earnings, as adjusted non-GAAP | $0.29 | 1Q26 | — |
| Loan Loss Provision | $21M | 1Q26 | — |
| Net interest margin - FTE (1) | 3.17% | Three Months Ended March 31, 2026 | — |
| Tangible common equity to tangible assets (Non-GAAP) non-GAAP | 8.82% | As of March 31, 2026 | — |
| Tier 1 Leverage | 9.56% | 3/31/26 | — |
| Total accruing past due loans as a % of total loans | 0.25% | first quarter 2026 | — |
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| Allowance for losses on loans as a % of non-accrual loans | 166.89% | year ended December 31, 2025 | — |
| Annualized return on avg. tangible common shareholders' equity non-GAAP | 11.14% | year ended December 31, 2025 | — |
| Annualized return on avg. tangible common shareholders' equity, as adjusted non-GAAP | 10.89% | year ended December 31, 2025 | — |
| Total accruing past due and non-accrual loans as a % of loans | 0.82% | year ended December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
VLY
this stock
Valley National Bancorp
|
$7.79B | +20.6% | +7.3% | 11.9 | 7.6% |
|
MFG
Mizuho Financial Group Inc
|
$126.71B | +42.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$115.38B | -38.5% | +15.2% | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$110.04B | +29.9% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$105.45B | +1.2% | — | — | 0.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| VLY | -2.4% | -1.3% | +13.0% | -1.4% | +20.6% |
| SPY | -0.4% | +5.0% | +12.4% | +2.6% | +12.3% |
| vs SPY | -2.0% | -6.4% | +0.6% | -4.0% | +8.3% |
Capital returns
Latest dividend
$0.11
/ share · ex Jun 15, 2026
Declared · upcoming
$0.11
/ share · ex Sep 15, 2026
Paid (TTM)
$0.44
/ share · 4 payouts
Dividend yield (TTM, derived)
3.12%
Buyback program
· as of Feb 29, 2024
Authorized
shares 25.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
714310
CUSIP
919794107
13F (30d)
367 filings
364 filers
Visit website
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