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Valley National Bancorp (VLY) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Valley National Bancorp (VLY) Q3 2026 earnings results →
Q3 2026 Revenue up 14% year over year to $584M · 35¢ of every $1 of revenue kept as net profit · operating margin 41.7%
Valley National Bancorp made $584M in Q3 2026 (+14% Y/Y): Net interest income $505M, Noninterest income $78.7M. Operating margin 41.7%, net earnings $206M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $584.2M in Q3 2026, up 14% year over year and up 4% from the previous quarter. Net interest income was the largest line at 87% of revenue. Net interest income added $59.2M year over year (up 13%), 81% of the total change.
Operating profit was $243.6M, a 41.7% margin (up 0.6 points year over year). Of the extra revenue versus a year earlier, 46% reached operating profit, above the 41% margin then. Total costs grew 13% against revenue growth of 14%. The fastest-growing cost line was Other operating costs (+60%). Net earnings were $206.3M, up 26% year over year. The effective tax rate was 15.3%.
Operating cash flow was $381.9M (up 7303% year over year), 185% of net earnings. Non-cash charges added back $8.3M of depreciation and amortization and $10.0M of share-based compensation. Working capital and other items added $157.4M. Capital expenditures of $3.5M left free cash flow of $378.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $584M | +14% | 41.7% | $206M | $382M |
Charts
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Valley National Bancorp
As the principal subsidiary of Valley National Bancorp (NASDAQ: VLY), Valley National Bank is a regional financial institution with over $66 billion in assets. Founded in 1927, Valley has more than 220 branch locations and commercial offices nationwide and serves clients across New Jersey, New York, Florida, Alabama, California, Illinois, Pennsylvania and Arizona. Valley delivers a full range of consumer, commercial, and wealth management solutions designed to support everything from homeownership and business growth to long-term financial planning. Big enough to support complex financial needs and small enough to stay deeply connected, Valley is grounded in a relationship-led approach focused on understanding people first. That same relationship-led approach guides Valley’s commitment to community investment and responsible corporate citizenship.
In its own words, from its 8-K, filed Jul 23, 2026.
Valley National Bancorp against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +14% against the peers' median +8%. Operating margin: 41.7% against the peers' median 32.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| VLY Valley National Bancorp | Q3 2026 | $584M | +14% | 41.7% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: Valley National Bancorp 10-Q on SEC EDGAR · CIK 714310 · National Commercial Banks
Guidance and outlook
13F: who owns VLY and who is buying
More on VLY
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History
Every quarter: Q3 2026 results