Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Valley National Bancorp's quarterly P/E stands at 8.8x, down 21.9% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 28.3% YoY to 10.9x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.27 | 8.85 | 9.46 | 10.15 | 12.35 | 11.32 | 12.58 | 13.42 | 11.06 | 20.88 | 7.93 | 7.18 | 8.25 |
| — | -21.9% | -24.8% | -24.4% | +11.7% | -45.8% | +58.8% | +87.1% | +34.0% | +151.1% | -0.2% | -50.4% | -31.6% | |
| P/S Ratio | 2.13 | 1.84 | 1.68 | 1.45 | 1.49 | 1.38 | 1.27 | 1.01 | 1.15 | 1.59 | 1.26 | 1.16 | 1.53 |
| — | +33.3% | +32.2% | +44.0% | +29.6% | -13.1% | +0.6% | -13.4% | -25.1% | -22.8% | -45.6% | -55.1% | -57.9% | |
| P/B Ratio | 0.97 | 0.84 | 0.78 | 0.66 | 0.67 | 0.66 | 0.66 | 0.53 | 0.60 | 0.83 | 0.66 | 0.60 | 0.72 |
| — | +27.8% | +16.9% | +25.6% | +10.5% | -20.3% | +1.0% | -11.8% | -16.5% | -8.2% | -24.9% | -29.7% | -33.2% | |
| P/FCF | 21.65 | 8.76 | — | 7.90 | — | 3.12 | — | 4.16 | 10.21 | — | 2.91 | 1.78 | — |
| — | +180.7% | — | +89.9% | — | — | — | +133.2% | — | — | -9.8% | -58.3% | — | |
| EV / EBITDA | 14.19 | 10.92 | 8.84 | 9.66 | 11.46 | 15.22 | 12.71 | 14.07 | 11.55 | 18.99 | 7.08 | 7.12 | 8.89 |
| — | -28.3% | -30.5% | -31.4% | -0.8% | -19.8% | +79.6% | +97.5% | +30.0% | +203.6% | +4.8% | -39.1% | -14.9% | |
| EV / EBIT | 14.19 | 10.92 | 9.53 | 10.63 | 12.94 | 18.80 | 14.56 | 16.97 | 13.36 | 23.47 | 7.82 | 7.86 | 9.85 |
| — | -41.9% | -34.6% | -37.4% | -3.1% | -19.9% | +86.2% | +116.0% | +35.6% | +233.0% | +6.2% | -42.4% | -12.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Valley National Bancorp's operating margin was 24.9% in Q4 2025, up 1.3 pp QoQ and up 14.8 pp YoY. This marks the 5th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 21.2% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 40.8% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 53.9% | 58.4% | 55.2% | 52.7% | 49.3% | 41.5% | 42.5% | 41.9% | 45.8% | 49.3% | 52.6% | 55.9% | 61.8% |
| — | +40.8% | +29.7% | +25.7% | +7.6% | -15.9% | -19.2% | -25.0% | -25.9% | -32.6% | -38.6% | -34.0% | -33.6% | |
| Operating Margin | 21.3% | 24.9% | 23.5% | 20.0% | 16.5% | 10.0% | 13.9% | 10.5% | 14.6% | 10.2% | 22.5% | 22.5% | 26.5% |
| — | +147.4% | +69.9% | +89.1% | +13.0% | -1.6% | -38.5% | -53.1% | -44.8% | -70.9% | -45.8% | -13.5% | -35.6% | |
| Net Margin | 17.1% | 21.9% | 18.3% | 15.3% | 12.6% | 13.1% | 10.7% | 8.0% | 10.9% | 8.2% | 16.3% | 16.4% | 19.0% |
| — | +67.8% | +71.1% | +92.8% | +15.8% | +58.9% | -34.5% | -51.5% | -43.0% | -67.6% | -45.6% | -13.0% | -38.1% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.8% | 2.5% | 2.1% | 1.8% | 1.4% | 1.6% | 1.4% | 1.0% | 1.4% | 1.1% | 2.1% | 2.1% | 2.3% |
| — | +56.9% | +49.9% | +68.9% | -1.0% | +49.6% | -33.3% | -50.8% | -36.8% | -61.7% | -25.0% | +24.6% | -1.0% | |
| ROA | 0.9% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.2% | 0.1% | 0.2% | 0.2% | 0.2% |
| — | +65.2% | +64.9% | +86.7% | +8.0% | +58.5% | -31.5% | -48.1% | -34.4% | -62.6% | -28.7% | +12.1% | -10.3% | |
| ROIC | 5.0% | 1.5% | 1.4% | 1.2% | 0.9% | 0.6% | 0.9% | 0.7% | 0.9% | 0.7% | 1.5% | 1.1% | 1.3% |
| — | +144.0% | +59.0% | +77.3% | +2.0% | -8.9% | -38.6% | -39.3% | -27.0% | -67.8% | -26.4% | -7.2% | -19.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Valley National Bancorp's Debt/EBITDA ratio is 15.5x, up from 15.0x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 1482.9% YoY to 0.75x, strengthening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.44 | 0.44 | 0.44 | 0.46 | 0.46 | 0.50 | 0.54 | 0.56 | 0.56 | 0.55 | 0.43 | 0.61 | 1.39 |
| — | -11.5% | -18.8% | -17.4% | -19.2% | -10.2% | +25.0% | -7.9% | -59.3% | +68.8% | -5.5% | +12.9% | +216.3% | |
| Debt / EBITDA | 4.61 | 15.48 | 14.99 | 18.45 | 21.75 | 33.58 | 26.08 | 33.60 | 25.34 | 33.71 | 13.37 | 19.05 | 39.97 |
| — | -53.9% | -42.5% | -45.1% | -14.2% | -0.4% | +95.1% | +76.4% | -36.6% | +343.9% | +24.6% | -11.8% | +200.7% | |
| Current Ratio | 0.75 | 0.75 | 0.04 | 0.04 | 0.04 | 0.05 | 0.03 | 0.03 | 0.02 | 0.05 | 0.03 | 0.04 | 0.11 |
| — | +1482.9% | +36.5% | +36.1% | +46.1% | -0.5% | -6.0% | -40.4% | -77.2% | -3.3% | +1.6% | +27.7% | +351.5% | |
| Quick Ratio | 0.75 | 0.75 | 0.04 | 0.04 | 0.04 | 0.05 | 0.03 | 0.03 | 0.02 | 0.05 | 0.03 | 0.04 | 0.11 |
| — | +1482.9% | +36.5% | +36.1% | +46.1% | -0.5% | -6.0% | -40.4% | -77.2% | -3.3% | +1.6% | +27.7% | +351.5% | |
| Interest Coverage | 0.51 | 0.63 | 0.55 | 0.46 | 0.38 | 0.22 | 0.28 | 0.22 | 0.30 | 0.21 | 0.49 | 0.52 | 0.72 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Valley National Bancorp's current P/E is 13.3x. The average P/E over the last 4 quarters is 10.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Valley National Bancorp's current operating margin is 21.3%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Valley National Bancorp's business trajectory between earnings reports.