# Valley National Bancorp (VLYPO)

> Source: Nexqual · https://nexqual.com/VLYPO · data as of 2026-10-23 20:00 UTC · cite as "Nexqual, Valley National Bancorp (VLYPO), nexqual.com/VLYPO" · informational, not investment advice.

**Price:** USD 24.25 (-0.50% on the day) · last close of Oct 23, 2026; US market closed, not a live price. Prev close 24.37 · day 24.21–24.5 · 52w 23.96–25.64 · market cap null · NMS

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $2.15B, net income $694M (32.2% margin) (SEC filings).
- Insider open-market sales, last ~7 months: 2 Form 4 filings, $1.6M; 2 not under a Rule 10b5-1 plan ($1.6M); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Analysts: None.
- Total return with dividends: 1Y +4.2% vs S&P 500 +13.4%; 5Y +40.8% vs S&P 500 +76.9%.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $1.36B | $1.86B | $1.89B | $1.85B | $2.03B | $2.15B |
| Net income | $474M | $569M | $499M | $380M | $598M | $694M |
| EPS (diluted) | $1.12 | $1.14 | $0.95 | $0.69 | $1.01 | — |
| Free cash flow | $798M | $1.36B | $302M | $532M | $326M | $558M |
| Net margin | 34.7% | 30.5% | 26.4% | 20.5% | 29.5% | 32.2% |
| Revenue growth | +4.8% | +36.5% | +1.5% | -2.0% | +9.3% | — |
| Cash + short-term investments | $2.05B | $948M | $891M | $1.89B | $1.58B | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)

P/E at fiscal year-ends: Dec 2025 24.0x, Dec 2024 34.2x, Dec 2023 23.9x.

## Insider sales (SEC Form 4, open-market, last ~7 months)
0 of 2 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-06-12 | Crandell Mitchell L | EVP & Chief Accounting Officer | 25,495 | $373K | 25.1% | No | Too little history (no open-market trades in 2023–2025) |
| 2026-04-27 | Barrett Russell | SEVP, Chief Operating Officer | 90,537 | $1.2M | 58.5% | No | Too little history (no open-market trades in 2023–2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

## Analysts
Consensus None.

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-24) | 5Y (from 2021-10-25) |
|---|---|---|
| Total return | +4.2% | +40.8% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +4.3% | +7.1% |
| Volatility (annualized) | 7.4% | 17.9% |
| Max drawdown | -3.8% (Sep 2026→Oct 2026) | -32.7% (Feb 2023→May 2023) |

## Peers (Banks - Regional)
MFG (Mizuho Financial Group, Inc. Sp) USD 9.57 -1.44% · HDB (HDFC Bank Limited) USD 22.09 -1.56% · ITUB (Itau Unibanco Banco Holding SA) USD 9.67 +1.90% · IBN (ICICI Bank Limited) USD 29.46 -1.60% · USB (U.S. Bancorp) USD 59.58 -0.73% · PNC (PNC Financial Services Group, I) USD 224.46 -0.47%

## More
Full page: https://nexqual.com/VLYPO · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Revenue by product line (quarter ended 2026-06-30)

| Line | Revenue | Share | YoY |
|---|---|---|---|
| Deposit Account | $18.7M | — | +27.4% |
| Investment Advisory Management & Administrative Service | $17.7M | — | +25.6% |
| Total revenue | — | 100% | — |

## Company outlook (8-K filed 2026-10-22)

- "The acquisition is expected to close in early 2027, subject to standard regulatory approvals, approval of Providence's shareholders, and the satisfaction or waiver of other customary closing conditions."

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-12-31) | — | — | — | $596.2M | — |
| Next quarter (ends 2027-03-31) | — | — | — | $633.4M | — |
| Current fiscal year (ends 2026-12-31) | — | — | — | $2.28B | — |
| Next fiscal year (ends 2027-12-31) | — | — | — | $2.74B | — |