VLYPOMEDIUM SIGNALFINANCIAL10-K

Valley National Bancorp reported substantially higher net income while operating cash flow declined meaningfully year-over-year.

The substantial improvement in net income suggests stronger underlying profitability, but the decline in operating cash flow raises questions about cash generation efficiency. The combination of reduced debt levels and lower share count indicates disciplined capital management.

Comparing 2026-02-27 vs 2025-02-28View on EDGAR →
FINANCIAL ANALYSIS

Valley delivered substantially higher net income while operating cash flow declined by over one-third, creating a notable divergence between reported earnings and cash generation. The company reduced total debt by $600 million and decreased shares outstanding from 560 million to 555 million, reflecting active balance sheet management. Overall, the results show improved profitability metrics but weaker operational cash flows, warranting closer examination of the quality of earnings.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
+57.3%
$380.3M→$598.0M

Net income grew 57.3% — bottom-line growth signals improving overall business health.

Operating Cash Flow
Cash Flow
-37.3%
$548.5M→$343.8M

Operating cash flow fell 37.3% — earnings quality concerns; investigate working capital changes and non-cash items.

Total Debt
Balance Sheet
-28.6%
$2.3B→$1.7B

Debt reduced 28.6% — deleveraging strengthens balance sheet and reduces financial risk.

LANGUAGE CHANGES
NEW — 2026-02-27
PRIOR — 2025-02-28
ADDED
There were 555,426,220 shares of Common Stock outstanding at February 26, 2026 .
The 2026 Prox y Statement will be filed within 120 days of December 31, 2025.
Fintech Financial technology FOMC Federal Open Market Committee Freddie Mac Federal Home Loan Mortgage Corporation GAAP U.
General Founded in 1927, Valley National Bancorp, is a registered bank holding company and financial holding company with the Federal Reserve under the BHC Act, headquartered in Morristown, New Jersey.
At December 31, 2025, Valley had consolidated total assets of $64.1 billion, total net loans of $49.6 billion, total deposits of $52.2 billion and total shareholders equity of $7.8 billion.
+7 more — sign up free →
REMOVED
There were 560,275,784 shares of Common Stock outstanding at February 26, 2025 .
The 2025 Prox y Statement will be filed within 120 days of December 31, 2024.
Fintech Financial technology Freddie Mac Federal Home Loan Mortgage Corporation GAAP U.
General Valley National Bancorp, headquartered in Morristown, New Jersey, is a New Jersey corporation organized in 1983 and is registered as a bank holding company and a financial holding company with the Federal Reserve under the BHC Act.
At December 31, 2024, Valley had consolidated total assets of $62.5 billion, total net loans of $48.2 billion, total deposits of $50.1 billion and total shareholders equity of $7.4 billion.
+7 more — sign up free →
MORE FINANCIAL SIGNALS
CRMHIGHSalesforce significantly increased debt by 71% to $14.4B while simultaneously ac...
2026-03-02
UNHHIGHUNH's operating income plummeted 41% despite 12% revenue growth, indicating seve...
2026-03-02
PFEHIGHPfizer achieved a dramatic 87.3% reduction in total debt from $31.4B to $4.0B, r...
2026-02-26
GILDHIGHGILD dramatically increased R&D spending by 81.5% to $9.1B while introducing new...
2026-02-24
ANALYZE ANY FILING FREE

See what changed in your portfolio's filings

500+ US-listed companies analyzed. Language delta, financial analysis, instant signal scoring.

Try Tracenotes free →