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Valley National Bancorp (VLY) Ratios
Valley National Bancorp Ratios
VLY's free cash flow for Q2 2026 was $160.20M. For the 2026 fiscal year, VLY's free cash flow was decreased by $-3.35M and operating cash flow was $163.54M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.75 | 0.05 | 0.05 | 0.05 | 0.09 |
| Quick Ratio | 0.75 | 0.05 | 0.05 | 0.05 | 0.09 |
| Cash Ratio | 0.42 | 0.04 | 0.02 | 0.02 | 0.06 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.46 | 0.01 | 0.01 | 0.03 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 0.46 | 7.54 | 0.41 | 10.30 | 1.28 |
| Net Current Asset Value | $ -55.91B | $ -52.69B | $ -51.80B | $ -48.66B | $ -35.09B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.05 | 0.06 | 0.06 | 0.04 | 0.06 |
| Debt-to-Equity Ratio | 0.44 | 0.50 | 0.55 | 0.33 | 0.48 |
| Debt-to-Capital Ratio | 0.31 | 0.33 | 0.36 | 0.25 | 0.32 |
| Long-Term Debt-to-Capital Ratio | 0.23 | 0.30 | 0.26 | 0.20 | 0.23 |
| Financial Leverage Ratio | 8.23 | 8.40 | 9.09 | 8.98 | 8.55 |
| Debt Service Coverage Ratio | 0.30 | 0.25 | 0.24 | 1.41 | 0.67 |
| Interest Coverage Ratio | 0.51 | 0.25 | 0.46 | 2.43 | 5.15 |
| Debt to Market Cap | 0.48 | 0.71 | 0.60 | 0.32 | 0.38 |
| Interest Debt Per Share | 8.76 | 10.51 | 10.21 | 4.98 | 6.24 |
| Net Debt to EBITDA | 3.83 | 3.48 | 3.70 | 1.34 | 0.53 |
| Profitability Margins | |||||
| Gross Profit Margin | 53.94% | 42.93% | 54.70% | 82.71% | 89.44% |
| EBIT Margin | 21.30% | 12.28% | 20.23% | 35.76% | 43.02% |
| EBITDA Margin | 23.26% | 14.49% | 22.71% | 39.40% | 46.44% |
| Operating Profit Margin | 21.30% | 12.28% | 20.23% | 35.76% | 43.02% |
| Pretax Profit Margin | 21.30% | 12.28% | 20.23% | 35.76% | 43.02% |
| Net Profit Margin | 17.12% | 10.65% | 14.87% | 26.06% | 31.81% |
| Continuous Operations Profit Margin | 17.12% | 10.65% | 14.87% | 26.06% | 31.81% |
| Net Income Per EBT | 80.39% | 86.72% | 73.49% | 72.87% | 73.95% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.93% | 0.61% | 0.82% | 0.99% | 1.09% |
| Return on Equity (ROE) | 7.66% | 5.11% | 7.44% | 8.89% | 9.32% |
| Return on Capital Employed (ROCE) | 1.17% | 3.55% | 7.15% | 9.34% | 9.36% |
| Return on Invested Capital (ROIC) | 0.93% | 3.06% | 4.79% | 6.69% | 6.32% |
| Return on Tangible Assets | 0.96% | 0.63% | 0.85% | 1.03% | 1.13% |
| Earnings Yield | 9.15% | 8.14% | 9.04% | 10.36% | 8.46% |
| Efficiency Ratios | |||||
| Receivables Turnover | 14.32 | 14.89 | 13.66 | 11.10 | 15.37 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 5.42 | 5.26 | 4.63 | 3.28 | 2.54 |
| Asset Turnover | 0.05 | 0.06 | 0.06 | 0.04 | 0.03 |
| Working Capital Turnover Ratio | -0.15 | -0.07 | -0.07 | -0.05 | -0.05 |
| Cash Conversion Cycle | 25.49 | 24.52 | 26.72 | 32.87 | 23.74 |
| Days of Sales Outstanding | 25.49 | 24.52 | 26.72 | 32.87 | 23.74 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 25.49 | 24.52 | 26.72 | 32.87 | 23.74 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 0.61 | 1.06 | 0.75 | 2.94 | 2.05 |
| Free Cash Flow Per Share | 0.61 | 1.06 | 0.75 | 2.94 | 2.05 |
| Dividend Paid and CapEx Coverage Ratio | 1.24 | 2.20 | 1.58 | 6.52 | 4.35 |
| Capital Expenditure Coverage Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cash Flow Coverage Ratio | 0.10 | 0.15 | 0.10 | 0.68 | 0.35 |
| Operating Cash Flow to Sales Ratio | 0.10 | 0.15 | 0.11 | 0.65 | 0.56 |
| Free Cash Flow Yield | 5.26% | 11.74% | 6.86% | 26.02% | 14.94% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 11.45 | 12.94 | 11.06 | 9.65 | 11.82 |
| Price-to-Sales (P/S) Ratio | 1.87 | 1.31 | 1.64 | 2.52 | 3.76 |
| Price-to-Book (P/B) Ratio | 0.84 | 0.63 | 0.82 | 0.86 | 1.10 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 19.01 | 8.52 | 14.57 | 3.84 | 6.69 |
| Price-to-Operating Cash Flow Ratio | 19.01 | 8.52 | 14.57 | 3.84 | 6.69 |
| Price-to-Earnings Growth (PEG) Ratio | 0.25 | -0.49 | -0.66 | 10.91 | 0.58 |
| Enterprise Value Multiple | 11.88 | 12.52 | 10.94 | 7.72 | 8.63 |
| Enterprise Value | 9.65B | 6.48B | 8.33B | 6.64B | 5.97B |
| EV to EBITDA | 11.88 | 12.52 | 10.94 | 7.72 | 8.63 |
| EV to Sales | 2.76 | 1.81 | 2.48 | 3.04 | 4.01 |
| EV to Free Cash Flow | 28.07 | 11.80 | 22.02 | 4.65 | 7.13 |
| EV to Operating Cash Flow | 28.07 | 11.80 | 22.02 | 4.65 | 7.13 |
| Tangible Book Value Per Share | 10.47 | 10.54 | 9.21 | 8.93 | 8.72 |
| Shareholders’ Equity Per Share | 13.95 | 14.42 | 13.20 | 13.19 | 12.48 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.20 | 0.13 | 0.27 | 0.27 | 0.26 |
| Revenue Per Share | 6.24 | 6.92 | 6.61 | 4.50 | 3.66 |
| Net Income Per Share | 1.07 | 0.74 | 0.98 | 1.17 | 1.16 |
| Tax Burden | 0.80 | 0.87 | 0.73 | 0.73 | 0.74 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.23 | 0.17 | 0.18 | 0.25 | 0.26 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 0.57 | 1.44 | 0.76 | 2.51 | 1.77 |
Currency in USD