VLY

Based on Valley National Bancorp's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Valley National Bancorp do?

Valley National Bancorp is the holding company for Valley National Bank, which provides commercial lending, consumer lending, deposit accounts, wealth management, trust services, and insurance products. It serves individuals, small businesses, and mid-sized companies, with a particular focus on commercial real estate and commercial and industrial lending.

Does VLY pay dividends?

Yes, Valley National Bancorp pays a regular dividend. Regional banks like VLY have historically used dividends as a key component of shareholder returns. Investors should review the current payout ratio and the bank's Risk pillar profile to assess dividend sustainability before relying on it as a primary return driver.

When does VLY report earnings?

Valley National Bancorp reports on a quarterly cadence, as is standard for US-listed bank holding companies. For specific dates and the most recent results, check the investor relations section of Valley National Bancorp's official website.

Is VLY a good stock to buy?

UQS Score rates VLY as Below Average, driven by Weak Moat and Risk pillar ratings. The Valuation pillar is Attractive, which may appeal to contrarian or income-oriented investors. Whether that valuation discount compensates for the underlying risks depends on your investment criteria — the full pillar breakdown is available to Pro members.

Is VLY overvalued?

Based on the UQS Valuation pillar, VLY is rated Attractive — meaning the stock does not appear overvalued relative to its fundamentals. Regional banks with elevated risk profiles often trade at discounts, and VLY's current pricing appears to reflect some of those concerns. View the complete valuation metrics with a Pro account.

How does VLY compare to its competitors?

Compared to peers like Commerce Bancshares and Pinnacle Financial Partners, VLY carries a weaker Moat rating, suggesting less competitive differentiation. Both CBSH and PNFP operate in markets or with business models that may offer stronger earnings consistency. The UQS platform provides side-by-side pillar comparisons for Pro members.

What is VLY's market cap bracket?

Valley National Bancorp is classified as a mid-cap bank. This places it in a tier that is larger than most community banks but smaller than the major national and super-regional banks, meaning it carries some scale advantages while remaining more sensitive to regional credit and deposit dynamics.

Who founded Valley National Bancorp?

Valley National Bancorp was incorporated in 1990 as the holding company for Valley National Bank. Detailed founding history, including key executives involved in its formation, is publicly available through the company's official history and SEC filings.

Is VLY a long-term quality investment?

As a long-term quality indicator, VLY's Below Average UQS Score — anchored by Weak Moat and Risk ratings — suggests caution. Long-term quality investing typically favors companies with durable competitive advantages and manageable risk profiles. VLY's Neutral Quality and Growth pillars indicate the bank is stable but not clearly positioned for compounding outperformance.

What is the main competitive advantage of Valley National Bancorp?

Valley National Bank's breadth of services — spanning commercial lending, consumer products, wealth management, and insurance — gives it cross-selling opportunities across its customer base. However, the UQS Moat pillar rates this advantage as Weak, suggesting these offerings do not yet translate into a clearly defensible market position relative to regional peers.

What sector does VLY belong to?

VLY belongs to the Financial Services sector, specifically operating as a regional bank holding company. Regional banks are sensitive to interest rate movements, credit cycles, and local economic conditions — all factors that feed directly into VLY's Risk and Growth pillar assessments on the UQS platform.

Valley National Bancorp shows solid profitability with healthy returns on capital and reasonable margins.

Valley National Bancorp shows steady but unspectacular growth, typical for mature companies.

Valley National Bancorp maintains a reasonable risk profile with manageable debt levels.

Valley National Bancorp appears attractively valued relative to its earnings, cash flows, and sector peers.

Valley National Bancorp operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for VLY.

The UQS (Unified Quality Score) for Valley National Bancorp is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Valley National Bancorp's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Valley National Bancorp is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.