Valley National Bancorp
Financial ratios & Valuation

Forward Multiples (2025 – 2026)

20252026
Price/Earnings ratio
9.628.63
Price/Sales ratio
1.921.83
Earnings per Share (EPS)
$1.01$1.12

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
17.1922.4217.6418.2911.2512.4810.0711.829.6511.0513.8111.25
Price/Sales ratio
3.613.644.113.832.963.473.024.102.943.021.643.47
Price/Book Value ratio
1.071.041.241.160.870.880.851.100.850.820.660.88
Price/Cash Flow ratio
10.8514.907.074.784.952.6425.976.693.8414.57-36.722.64
Price/Free Cash Flow ratio
-3.48-1.437.444.92-1.09-3.9031.01-24.814.0314.57-36.22-3.90
Price/Earnings Growth ratio
-1.13-0.890.35-2.300.311.091.470.5810.90-0.666.070.31
Dividend Yield
4.41%4.59%4.01%4.12%5.25%4.11%4.84%3.43%3.99%4.34%4.82%4.82%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%114.93%100%
Operating Profit Margin
59.47%48.05%56.36%58.52%63.73%41.05%40.73%46.93%59.16%37.80%18.46%41.05%
Pretax Profit Margin
26.65%20.01%32.35%32.74%33.26%41.05%40.73%46.93%41.92%37.20%14.14%41.05%
Net Profit Margin
21.03%16.23%23.30%20.97%26.37%27.84%30.01%34.70%30.55%27.34%10.84%27.84%
Effective Tax Rate
21.09%18.86%27.95%35.93%20.70%32.18%26.30%26.04%27.13%26.50%23.33%20.70%
Return on Assets
0.61%0.47%0.73%0.67%0.82%0.82%0.96%1.09%0.98%0.81%0.54%0.82%
Return On Equity
6.23%4.66%7.07%6.39%7.80%7.06%8.50%9.32%8.88%7.43%4.95%7.06%
Return on Capital Employed
1.76%1.44%1.84%1.91%2.09%1.25%1.34%1.49%1.93%1.47%0.92%1.25%
Liquidity Ratios
Current Ratio
0.000.010.010.010.000.000.19N/AN/AN/A7.420.00
Quick Ratio
103.6633.2223.8046.0015.322.433.678.337.160.087.422.43
Cash ratio
5.650.780.500.970.240.391.153.121.900.062.290.24
Days of Sales Outstanding
47.0336.5833.8034.9935.0834.6529.7925.9038.5449.1529.4434.65
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A29.44N/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A29.44N/A
Debt Ratios
Debt Ratio
0.140.130.110.110.120.080.080.040.020.050.050.08
Debt Equity Ratio
1.451.321.071.051.140.740.760.380.210.520.470.74
Long-term Debt to Capitalization
0.570.450.380.470.330.330.330.220.160.260.320.33
Total Debt to Capitalization
0.590.570.510.510.530.420.430.280.170.340.320.42
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A2.00N/AN/AN/A0.42N/A
Cash Flow to Debt Ratio
0.060.050.160.230.150.440.040.421.020.10-0.030.44
Company Equity Multiplier
10.089.799.619.479.518.548.858.548.979.098.908.90
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.330.240.580.800.591.310.110.610.760.20-0.041.31
Free Cash Flow / Operating Cash Flow Ratio
-3.11-10.400.950.97-4.51-0.670.83-0.260.9511.11-4.51
Cash Flow Coverage Ratio
0.060.050.160.230.150.440.040.421.020.10-0.030.44
Short Term Coverage Ratio
1.250.140.381.450.281.330.131.6710.290.33N/A1.33
Dividend Payout Ratio
75.85%103.04%70.77%75.44%59.18%51.39%48.80%40.59%38.52%48.09%72.80%59.18%