Valley National Bancorp Financial Ratios — VNB Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	10.39	10.42	8.67	6.83	5.01	7.38	6.64	9.1	8.12	8.83	9.96	10.04	7.61	5.29	7.83
Return on Assets (%)	0.93	0.95	0.82	0.66	0.51	0.76	0.69	0.94	0.89	1	1.13	1.13	0.84	0.62	0.94
Return on Capital (%)	3.61	3.89	3.48	3	2.5	3.84	3.34	4.37	4.36	5.08	6.21	7.23	5.32	3.55	5.39
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	33.25	34.44	31.05	26.65	20.01	32.35	32.75	33.26	41.06	40.73	46.93	41.93	36.08	23.8	36.72
Profit Margin (%)	22.57	23.51	22.9	21.03	16.24	23.31	20.98	26.37	27.84	30.02	34.71	30.55	26.52	20.64	29.52
Net Income to Common Margin (%)	22.57	23.51	22.9	21.03	15.64	22.31	19.75	25.09	26.7	29.04	33.78	29.85	25.66	19.48	28.09
Effective Tax Rate (%)	32.12	31.73	26.25	21.1	18.86	27.95	35.94	20.71	32.18	26.31	26.05	27.13	26.51	13.28	19.61
Dvd Payout Ratio (%)	88.13	87.64	97.96	75.85	103.16	69.47	73.93	57.1	49.32	47.09	38.96	37.07	46.36	63.59	43.74
Sustainable Growth Rate (%)	1.23	1.29	0.18	1.65	-0.16	2.25	1.73	3.91	4.12	4.67	6.08	6.32	4.08	1.93	4.41

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	2,324	2,298	2,246	2,104	2,071	2,092	2,685	3,395	3,078	3,328	2,263	1,983	3,639	3,620	3,339
ST Debt	- -	- -	- -	- -	526	782	427	1,732	940	1,000	500	24	850	- -	- -
LT Debt	2,324	2,298	2,246	2,104	1,545	1,310	2,258	1,663	2,138	2,328	1,763	1,959	2,789	3,620	3,339
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.8	9.38	9.54	9.91	9.7	9.91	9.68	9.86	11.15	10.77	11.22	10.77	10.65	11.33	11.62
Long-Term Debt/Equity (%)	185.22	152.98	145.74	112.92	69.99	55.13	89.12	49.63	48.77	50.7	34.68	30.6	41.62	48.69	42.76
Long-Term Debt/Capital (%)	64.94	60.47	59.31	53.03	36.11	29.32	43.27	24.65	28.65	29.4	24	23.36	26.97	32.74	29.95
Long-Term Debt/Total Assets (%)	16.31	14.35	13.9	11.19	7.15	5.73	9.41	5.22	5.71	5.72	4.06	3.41	4.58	5.79	5.21
Total Debt/Equity (%)	185.22	152.98	145.74	112.92	93.82	88.02	105.98	101.32	70.21	72.48	44.52	30.98	54.31	48.69	42.76
Total Debt/Capital (%)	64.94	60.47	59.31	53.03	48.41	46.82	51.45	50.33	41.25	42.02	30.8	23.65	35.19	32.74	29.95
Total Debt/Total Assets (%)	16.31	14.35	13.9	11.19	9.58	9.15	11.18	10.65	8.22	8.18	5.21	3.45	5.97	5.79	5.21
Net Debt to Equity	155.01	96.2	121.78	68.35	75.07	71.51	89.55	88.44	53.22	37.51	-1.37	10.56	34.98	18.04	17.71
Net Debt/Capital (%)	60.79	49.03	54.91	40.6	42.88	41.7	47.24	46.91	33.2	26.13	-1.32	9.09	24.81	14.64	14.46
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.8	9.38	9.54	9.91	9.7	9.91	9.68	9.86	11.15	10.77	11.22	10.77	10.65	11.33	11.62
Long-Term Debt/Equity (%)	185.22	152.98	145.74	112.92	69.99	55.13	89.12	49.63	48.77	50.7	34.68	30.6	41.62	48.69	42.76
Long-Term Debt/Capital (%)	64.94	60.47	59.31	53.03	36.11	29.32	43.27	24.65	28.65	29.4	24	23.36	26.97	32.74	29.95
Long-Term Debt/Total Assets (%)	16.31	14.35	13.9	11.19	7.15	5.73	9.41	5.22	5.71	5.72	4.06	3.41	4.58	5.79	5.21
Total Debt/Equity (%)	185.22	152.98	145.74	112.92	93.82	88.02	105.98	101.32	70.21	72.48	44.52	30.98	54.31	48.69	42.76
Total Debt/Capital (%)	64.94	60.47	59.31	53.03	48.41	46.82	51.45	50.33	41.25	42.02	30.8	23.65	35.19	32.74	29.95
Total Debt/Total Assets (%)	16.31	14.35	13.9	11.19	9.58	9.15	11.18	10.65	8.22	8.18	5.21	3.45	5.97	5.79	5.21
CFO/Total Liabilities	1.47	2.23	1.95	1.09	0.8	2.05	2.88	1.07	0.79	0.45	2.18	2.8	0.7	1	0.61
CFO/CapEx	11.67	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	10.52	11.65	10.84	9.93	10.49	11.07	10.96	11.71	11.07	12.28	13.44	12.69	8.5	7.59	8.37
Days Sales Outstanding	34.71	31.34	33.67	36.77	34.79	32.98	33.3	31.17	32.96	29.71	27.15	28.77	42.92	48.07	43.59
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	379	853	369	830	414	393	416	429	435	1,329	2,050	948	891	1,890	1,584
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	112	112	210	210	210	210	210	210	210	354	354
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	2,324	2,298	2,246	2,104	2,071	2,092	2,685	3,395	3,078	3,328	2,263	1,983	3,639	3,620	3,339
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	3,579	3,801	3,787	3,967	4,278	4,470	5,218	6,745	7,462	7,921	7,347	8,384	10,341	11,055	11,147
Total Debt/Capital (%)	64.94	60.47	59.31	53.03	48.41	46.82	51.45	50.33	41.25	42.02	30.8	23.65	35.19	32.74	29.95
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	587	611	576	552	634	721	772	991	1,113	1,301	1,365	1,862	1,880	1,843	2,026
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	191	323	285	184	155	419	619	304	262	164	837	1,428	378	549	344
TTM Free Cash Flow to Firm	175	323	285	184	155	419	619	304	262	164	837	1,428	378	549	344

Multiples (USD)

Valuation Multiples API ChatGPT

No data availableFinancial data will appear here once available

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	179	198	200	232	254	264	264	331	403	404	421	506	508	559	557
Diluted Weighted Avg Shares	178	197	199	206	234	255	265	333	340	405	410	488	509	518	564
Basic Weighted Avg Shares	178	197	199	206	234	255	264	331	338	404	407	485	508	516	560
Revenue per Share	3.29	3.1	2.89	2.69	2.71	2.83	2.92	2.99	3.29	3.22	3.35	3.84	3.7	3.57	3.62
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.74	0.73	0.66	0.56	0.42	0.63	0.58	0.75	0.88	0.94	1.13	1.14	0.95	0.7	1.02
Basic EPS from Cont Ops	0.74	0.73	0.66	0.56	0.44	0.66	0.61	0.79	0.92	0.97	1.16	1.17	0.98	0.74	1.07
Diluted EPS, GAAP	0.74	0.73	0.66	0.56	0.42	0.63	0.58	0.75	0.87	0.93	1.12	1.14	0.95	0.69	1.01
Diluted EPS from Cont Ops	0.74	0.73	0.66	0.56	0.44	0.66	0.61	0.79	0.91	0.96	1.16	1.17	0.98	0.73	1.06
Dividend per Share	0.65	0.64	0.65	0.43	0.45	0.47	0.46	0.47	0.47	0.47	0.47	0.45	0.47	0.48	0.5
Cash Flow per Share	1.07	1.64	1.43	0.89	0.66	1.64	2.35	0.92	0.78	0.41	2.05	2.94	0.75	1.06	0.61
Free Cash Flow per Basic Share	0.98	1.64	1.43	0.89	0.66	1.64	2.35	0.92	0.78	0.41	2.05	2.94	0.75	1.06	0.61
Cash & Equivalents per Share	5.29	8.37	6.01	7.4	7.57	6.41	7.22	6.57	4.96	6.61	7.54	4.36	4.31	9.41	2.94
Book Value per Share	7.02	7.57	7.72	8.03	8.26	8.59	8.79	9.48	10.35	10.85	11.57	12.23	12.79	12.67	13.39
Tangible Book Value per Share	5.13	5.26	5.39	5.38	5.36	5.8	6.01	5.97	6.73	7.25	7.94	8.15	8.79	9.1	9.85