Valley National Bancorp
valley.comWhat Do They Do?
Provides deposit and loan products, insurance and wealth-management services to individuals, businesses and commercial property borrowers.
10-K for FY2025, filed Feb 27, 2026Valley’s principal subsidiary, Valley National Bank (commonly referred to as the “Bank” in this Report), has been chartered as a national…View ↗
In addition to the Bank, Valley’s consolidated subsidiaries include, but are not limited to: an insurance agency offering property and…View ↗
We originate commercial real estate loans that are secured by various diversified property types across New Jersey, the New York…View ↗
How Do They Make Money?
Valley earns income from lending to businesses and consumers and from securities; it also collects brokerage commissions when trades execute, wealth-management fees over advisory agreements, and account charges when services occur or monthly.
10-K for FY2025, filed Feb 27, 2026Commercial and industrial loans. Commercial and industrial loans totaled approximately $11.0 billion and represented 21.9 percent of the…View ↗
Other consumer loans. Other consumer loans totaled $4.1 billion and represented 8.2 percent of the total loan portfolio at December 31…View ↗
Although we are primarily focused on our lending and wealth management services, a large portion of our income is generated through…View ↗
Wealth management and trust fees. Wealth management and trust fees include brokerage fees and fees from investment management, investment…View ↗
Service charges on deposit accounts. Service charges on deposit accounts include commercial treasury management service fees, maintenance…View ↗
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10-K for FY2025, filed Feb 27, 2026
FY2025 revenue by product or service (Service charges on deposit accounts) ↗
$3.2B
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10-K for FY2025, filed Feb 27, 2026
$3.2B ↗
| Segment | Share | Revenue |
|---|---|---|
|
Wealth management and trust fees
|
51%
FY2022: 48%
|
Wealth management and trust fees, FY2025
$63.4M Sources
|
|
Service charges on deposit accounts
|
49%
FY2022: 52%
|
Service charges on deposit accounts, FY2025
$61.2M Sources
|
Who Are Their Customers?
Individuals, businesses and commercial property borrowers use Valley's branches, ATMs, phone and digital banking; auto loans are also originated through approved dealers.
10-K for FY2025, filed Feb 27, 2026Overall, our customers are influenced by the convenience, solution-based service from our knowledgeable staff and personal contacts, as…View ↗
We originate commercial real estate loans that are secured by various diversified property types across New Jersey, the New York…View ↗
Other consumer loans. Other consumer loans totaled $4.1 billion and represented 8.2 percent of the total loan portfolio at December 31…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 18 cents of every revenue dollar as net income in FY2025 and turned 10 cents into free cash flow.
How Are They Changing?
- Net income
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Sources
10-Q for Q2 FY2026, filed Aug 6, 2026
$170.9MView ↗
- ▲ +28%
- vs $133.2M in Q2 FY2025
10-Q for Q2 FY2026, filed Aug 6, 2026
Open tableView ↗
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Aug 25, 2026
Agreed to acquire Providence Financial Corporation
Providence will merge into Valley, and Providence Bank & Trust will merge into Valley National Bank; closing is expected in early 2027, subject to approvals.
Sources
8-K, filed Aug 25, 2026
The acquisition is expected to close in early 2027, subject to standard regulatory approvals, approval of Providence’s shareholders, and…View ↗
Growing. Revenue grew 2.4x in 4 years, from $1.3B in FY2021 to $3.2B in FY2025, about 25% a year.
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