VALLEY NATIONAL (VLY)
Financials · Regional Banks · NASDAQ
A regional banking institution providing commercial and consumer financial services through a community-oriented branch network.
What VALLEY NATIONAL does
Valley National Bancorp is a bank holding company that provides a wide range of commercial, retail, and wealth management financial services. Its principal subsidiary, Valley National Bank, operates through a network of branches offering deposit products, commercial and consumer loans, and fiduciary services. The company focuses on community-based banking operations while maintaining a substantial commercial real estate and business lending portfolio.
Themes: commercial banking, consumer banking, wealth management, commercial real estate lending, regional finance
Fundamentals
- Price$12.75 as of 2026-10-08 close
- Market cap$7.0B as of 2026-08-05 (share count; price 2026-10-08)
- 1-year return+17.6% 2025-10-08 close $10.84 → 2026-10-08 close $12.75
- P/E10.31 as of 2026-10-08
- ROE+7.7% FY2025, SEC XBRL
- Debt / equity0.39 as of 2026-09-02
- Beta1.04 as of 2026-09-02
- Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +3.2%; 12-year non-decreasing per-share dividend streak (SEC XBRL).
How VLY compares in its sector
- price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-02
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-02
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, VLY's dividend was covered by reported results (earnings payout 42%, free-cash-flow payout 76%). This describes past coverage, not a forecast.
- Earnings payout42% dividends / net income
- Free-cash-flow payout76% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How VALLEY NATIONAL looks technically
VALLEY NATIONAL (VLY) is trading 4.2% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed above its 200-day average about 281 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 45, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 38, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 2 trading days ago. It is 16.1% below its highest point of the past year.
Trend
8
| Distance from the 200-day | it is trading 4.2% below its 200-day average, the long-term trend line — a long-term downtrend | -4.2% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $13.82 | $13.82 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $13.31 | $13.31 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in the fourth leg, a pullback against that downward direction; the labelling fails if price closes above 14.01. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a completed three-part correction. | possible downward five-wave sequence, in wave 4 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 281 trading days ago — a "golden cross", a bullish long-term signal | 281 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 45, with sellers in control | 45.2 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 38, neither overbought (above 70) nor oversold (below 30) | 37.9 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($12.31 to $13.66) — its "stochastic" reading is 33 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 32.6 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 17 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $15.20 | $15.20 |
|---|---|---|
| From the 52-week high | it is 16.1% below its 52-week high (its highest price of the past year) | -16.1% |
| Above the 52-week low | it is 32.3% above its 52-week low (its lowest price of the past year) | +32.3% |
| Below the 52-week high | it is 16.1% below its highest point of the past year | 16.1% |
| Since a 20-day breakout | it made a new 20-day low about 2 trading days ago | 2 sessions |
| Since a 55-day breakout | it made a new 55-day low about 2 trading days ago | 2 sessions |
| All-time high | its highest closing price on record is $21.38 (set on 2008-09-19) | $21.38 |
| Given back of the 52-week move | over the past year its closes ranged ($9.72 to $15.19), and it has given back roughly a third of its rise from last year’s low — 45% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $11.63 to $11.81. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 44.6% |
| From the all-time high | it is 40.4% below its all-time high | -40.4% |
| Nearest price level | it is trading 4.0% above a support level at $12.24 — a price it turned at twice since 2025-12-18, most recently on 2026-10-01. Since 2024-10-08 it has 12 such levels below the current price and 4 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -4.0% |
| All-time low | its lowest closing price on record is $6.00 (set on 2020-03-19) | $6.00 |
| Above the all-time low | it is 112.5% above its all-time low | +112.5% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 86% of the past ~6 months) | 86th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.3015 between its high and its low — about 2.4% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.3015 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $12.20 and $13.99 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $12.20 – $13.10 – $13.99 |
| Typical daily range (% of price) | its price moves about 2.4% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.4% |
| Stretch from the 200-day average | it is trading 1.9 daily ranges below its 200-day average price (4.2% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 1.9 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.07× |
|---|
Analyst
2
| Change in the average price target | analysts have cut their average price target by 1.1% since the prior reading | -1.1% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
4
| Since a doji | 4 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 4 sessions ago |
|---|---|---|
| Since a hammer | 5 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 5 sessions ago |
| Since a bullish engulfing | today it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | today |
| Since a bearish engulfing | 3 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 3 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-10-08 0.2% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.2% |
|---|---|---|
| Gap filled | a 3.0% gap down opened on 2026-07-23 has been "filled" 54 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 54 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 9.4 percentage points (the stock lost 8.4% while the market gained 1.0%) | -9.4% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 15.7 percentage points (the stock lost 11.9% while the market gained 3.8%) | -15.7% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 16.0 percentage points (the stock gained 1.4% while the market gained 17.5%) | -16.0% |
| vs market, 12 months | over the past 12 months this stock beat the market by 2.6 percentage points (the stock gained 17.6% while the market gained 15.0%) | +2.6% |
Signal agreement
2
| Bullish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day — these describe past price behaviour, not a forecast | 1 of 9 |
|---|---|---|
| Bearish technical signals | 6 of the 9 technical signals we can compute for it are currently in a bearish state: trading below its 200-day average, a fresh 20-day low, MACD momentum is negative, a strong downtrend, with sellers in control, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 6 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 9.3% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thin, spanning 1.6% of the share price, which is taken to mean a barrier that gives way easily. | -9.3% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 4% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $13.32 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP. | -4.3% |
|---|---|---|
| Vs the average paid since it last reported | the price is 8% below the average price paid since it last reported on 2026-07-23 (its 8-K), so the typical buyer over that stretch is under water. That average is $13.79 — a volume-weighted average of daily closes over 55 sessions, not a true tick-by-tick VWAP. | -7.6% |
Price levels it has turned at before
VLY last closed at $12.75 on 2026-10-08. Since 2024-10-08 it has turned at 12 prices below its last close and 4 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $12.24 | Support | 4.0% below the last close | turned there twice · 2025-12-18 to 2026-10-01 |
| $13.32 | Resistance | 4.5% above the last close | turned there four times · 2026-04-09 to 2026-09-01 |
| $13.89 | Resistance | 8.9% above the last close | turned there three times · 2026-02-11 to 2026-07-23 |
| $11.57 | Support | 9.3% below the last close | turned there twice · 2026-01-02 to 2026-01-14 |
| $11.37 | Support | 10.8% below the last close | turned there three times · 2025-10-29 to 2026-03-19 |
| $14.20 | Resistance | 11.4% above the last close | turned there three times · 2026-04-23 to 2026-07-31 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 4 of five, a pullback against that direction.
This labelling fails — stops being a possible reading at all — if it closes above $14.01.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $12.98 and $13.73 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a completed three-part correction, which fails on a close below $12.31.
This reading has stood for 22 trading days, since 2026-09-09.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Broke down to a new 20-day low · Analyst price target recently CUT · lagging the market · Printed a bullish engulfing pair · Under water since its last earnings report (below the anchored VWAP) | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (1.64 mean, 1=Strong Buy…5=Strong Sell) — 14 analysts
- Mean price target$16.50 range $15.00 – $18.00; median $16.75
Analyst estimates, as of 2026-10-07. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for VLY
- Consensus EPS estimate$0.3312 next reporting period, as of 2026-10-07
- Estimate change, 30 days-$0.00246 (-0.7%) from $0.3337, on 2026-09-02, 35-day window
- Readings revised upward13% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Concentration of commercial real estate (CRE) loans in the loan portfolio.","Exposure to interest rate fluctuations affecting net interest margins.","Regulatory and compliance risks inherent in the banking industry, including capital requirements and CRA mandates."]
What changed in the latest 10-Q
AI-assisted comparison of VLY's 10-Q filed 2026-05-07 against the prior one filed 2025-11-07.
Management's Discussion & Analysis (MD&A)
- Added:
- Added 'position' as forward-looking terminology identifier (2026-05-07)
- Added reference to 'tariffs/import fees' specificity (2026-05-07)
- Added 'including ongoing conflicts in the Middle East' to geopolitical risks (2026-05-07)
- Added 'and other climate-related risks' to natural disasters listing (2026-05-07)
- Added 'investigations' to litigation risk factors (2026-05-07)
- Added 'or third-party service providers' to cybersecurity incident descriptions (2026-05-07)
- Added 'or those of our third-party service providers' to systems disruption risk (2026-05-07)
- Removed:
- Removed 'the recent prolonged shutdown of the U.S federal government' specific reference (2025-11-07)
- Removed 'digital currencies' from technology risks (2025-11-07)
- Removed 'composition of the federal bank regulatory agencies' from regulatory changes (2025-11-07)
- Removed 'the OCC' prefix before 'heightened regulatory standards' (2025-11-07)
- Removed entire bullet point about 'unanticipated loan delinquencies' caused by severe weather/pandemics (2025-11-07)
- Removed 'our ability to successfully execute our business plan and strategic initiatives' bullet point (2025-11-07)
- Removed text beginning with 'unexpected significant de' (appears truncated in older version) (2025-11-07)
- Reworded:
- Changed 'by such forward-looking statements' to 'from such forward-looking statements' in introductory language (2026-05-07)
- Changed 'such forward-looking terminology as' to 'forward-looking terminology such as' (2026-05-07)
- Changed 'tariffs and other trade policies' to 'tariffs/import fees and other trade policies' (2026-05-07)
- Changed 'an unexpected decline' to 'any decline' in commercial real estate values (2026-05-07)
- Changed 'our websites or other systems' to 'our or our third-party service providers' websites or other systems' (2026-05-07)
- Changed 'our ability to stay current with rapid technological changes and evolving legal and regulatory requirements' (2026-05-07)
- Removed 'including developments relating to' and replaced with more concise language around AI/blockchain (2026-05-07)
- Notes:
- Older filing text appears truncated at end ('unexpected significant de'), limiting full comparison of later sections
- Page numbers differ between filings (44 in newer, 49-50 in older), suggesting different document structures or pagination
- Some changes may reflect editorial refinement rather than substantive risk factor modifications
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales recorded in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 180 days · read to 2026-10-040 buys · 2 sells ($2M) — 2 selling insiders
Most recent open-market transaction: 2026-06-12. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about VLY's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
U.S. House trading disclosures
U.S. House members publicly disclose their own, their spouse's, and dependent children's stock transactions under the STOCK Act. We hold 1 matched disclosure for VLY from U.S. House Clerk Periodic Transaction Report filings.
U.S. House trading disclosures →Institutional ownership (13F)
5 institutional 13F filers reported holding VLY as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 99,185,504
- Reported value $1,455,669,052
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 3 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about VLY's institutional holders → See what each manager we track holds →
Short interest (FINRA)
VLY had 46,365,927 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
VLY had 8.39% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 8.57 days to cover at the same settlement.
- Reported short interest (shares) 46,365,927
- Short interest (% of shares outstanding) 8.39%
- Prior settlement (shares) 42,913,857
- Reported change 8.04%
- Days to cover (reported) 8.57
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- New York Community Bancorp (NYCB)
- People's United Financial
- Investors Bancorp (ISBC)
- M&T Bank (MTB)
- Webster Financial (WBS)
- East West Bancorp (EWBC)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does VALLEY NATIONAL (VLY) do?
Valley National Bancorp is a bank holding company that provides a wide range of commercial, retail, and wealth management financial services. Its principal subsidiary, Valley National Bank, operates through a network of branches offering deposit products, commercial and consumer loans, and fiduciary services. The company focuses on community-based banking operations while maintaining a substantial commercial real estate and business lending portfolio.
What sector is VALLEY NATIONAL (VLY) in?
VALLEY NATIONAL (VLY) is classified in the Financials sector. Its industry is Regional Banks. It trades on NASDAQ.
Does VLY pay a dividend?
Yes — VALLEY NATIONAL (VLY) pays a dividend, with an indicated yield of about 3.24% and 12-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-09-02). Informational only — not financial advice.
Who are VALLEY NATIONAL's (VLY) competitors?
Notable peers of VALLEY NATIONAL (VLY) include New York Community Bancorp, People's United Financial, Investors Bancorp, M&T Bank and Webster Financial. This peer set is informational only — not financial advice.
Has there been recent U.S. House stock trading in VLY?
Yes — we hold 1 matched STOCK Act disclosure for VLY from U.S. House Clerk Periodic Transaction Report filings. These are legally-required disclosures (often filed 30–45 days after the trade), may belong to a U.S. House member, their spouse, or a dependent child, and are not an indicator of company performance or investment advice.
Is VALLEY NATIONAL (VLY) overbought or oversold right now?
VALLEY NATIONAL (VLY) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 38, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on VLY come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.