Valley National Bancorp (VLY)
Regional bank pairing commercial lending and treasury services with consumer and wealth banking.
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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
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 26, 2026 | RBC Capital | Reiterate | Rating: —Target: $16 | Target: $17 |
| Jul 10, 2026 | Truist Financial | Target | Target: $14.50 | Target: $16.50 |
| Jul 7, 2026 | UBS | Target | Target: $15 | Target: $17 |
| Jul 1, 2026 | National Bank | Target | Target: $17 | Target: $17.50 |
| Jun 26, 2026 | Piper Sandler | Reiterate | Rating: —Target: $16 | Target: $16.50 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $9.13B · Total debt $3.45B · Total assets $66.32B · Shareholders' equity $7.92B
- Revenue
- $326.2M
- Operating income
- −$209.2M
- Net income
- $170.9M
HistoryDividendAnnual yield
| Institutions | 78.23% | 432.32M shares | |
|---|---|---|---|
| 485 holders · as of Jun 30, 2026 | |||
| Insiders | 0.68% | 3.75M shares | |
| 25 holders · as of Aug 4, 2026 | |||
| Other | 21.09% | 116.54M shares | |
| remainder | |||
552.61M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 13.33% | 73.65M | as of Jun 30, 2026 |
Bank Leumi le-Israel B.M.Institution | 13.00% | 71.86M | filed Apr 11, 2022 |
Dimensional Fund Advisors LPInstitution | 5.52% | 30.53M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 4.58% | 25.30M | as of Jun 30, 2026 |
State Street CorpInstitution | 4.31% | 23.80M | as of Jun 30, 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 |
- 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.
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Valley National Bancorp | $13.25 | −1.16% | $7.43B | 11.2 | 9.4 | 2.5 | +13.3% |
| Flagstar Bank | $12.63 | +0.32% | $5.25B | 676.9 | 16.1 | 1.2 | +4.0% |
| BankUnited | $44.23 | −0.49% | $3.23B | 12.5 | 10.4 | 1.7 | +3.9% |
| Provident Financial Services | $22.86 | −0.33% | $2.99B | 9.6 | 9.2 | 2.2 | +9.7% |
| Dime Commercial Bancshares | $40.75 | −0.34% | $1.80B | 14.7 | 10.7 | 2.4 | +17.1% |
| Wintrust Financial | $145.36 | −1.17% | $9.92B | 11.7 | 11.0 | 2.3 | +10.1% |
| Median | 12.5 | 10.7 | 2.2 | +9.7% |