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Valley National Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$378M in Q3 2026 · $934M over twelve months

Operating cash flow$382M
Capital spending−$3.5M
Free cash flow+$378M
Cash / net income1.9×

Analysis

In Q3 2026, Valley National Bancorp generated $382M of operating cash flow and spent $3.5M on capital projects, leaving free cash flow of $378M. That is $376M more than in Q3 2025 ($2.3M).

Over the twelve months to Sep 30, 2026, operating cash flow was $952M; the largest uses were other investing ($4.5B), net borrowing (+) / repaid (−) ($307M), dividends ($247M); besides operations, cash came from other financing ($4.0B), shares issued ($3.2M); the cash balance fell by $245M.

Operating cash flow was $382M against net income of $206M — 1.9× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets −$358M, stock-based pay +$10.0M, depreciation & amortization +$8.3M.

Free cash flow

Valley National Bancorp: free cash flow by quarterValley National Bancorp: free cash flow by quarter$386MQ4 2024−$20.2MQ1 2025$156MQ2 2025$2.3MQ3 2025$188MQ4 2025$208MQ1 2026$160MQ2 2026$378MQ3 2026
Operating cash flow less capital spending.
Valley National Bancorp: operating cash flow against capital spendingValley National Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$392M$6.4MQ4 2024−$17.1M$3.0MQ1 2025$159M$3.1MQ2 2025$5.2M$2.8MQ3 2025$197M$9.1MQ4 2025$210M$1.4MQ1 2026$164M$3.3MQ2 2026$382M$3.5MQ3 2026
Latest (Q3 2026): Operating cash flow $382M, Capital spending $3.5M.

Capital allocation, year by year

Valley National Bancorp: where the cash came from (up) and went (down), by fiscal yearValley National Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $837MFY2021: Net borrowing −$1.4BFY2021: Shares issued $11.2MFY2021: Asset sales $8.9MFY2021: Capital spending −$39.4MFY2021: Buybacks −$23.9MFY2021: Dividends −$180M$857MFY2021FY2022: Operating cash flow $1.4BFY2022: Net borrowing −$474MFY2022: Shares issued $120KFY2022: Asset sales $10.8MFY2022: Capital spending −$68.9MFY2022: Buybacks −$24.1MFY2022: Dividends −$206M$1.4BFY2022FY2023: Operating cash flow $378MFY2023: Net borrowing $1.6BFY2023: Shares issued $4.0MFY2023: Asset sales $18.3MFY2023: Capital spending −$76.0MFY2023: Buybacks −$2.1MFY2023: Dividends −$225M$2.0BFY2023FY2024: Operating cash flow $549MFY2024: Net borrowing −$8.3MFY2024: Shares issued $596MFY2024: Asset sales $101MFY2024: Capital spending −$16.1MFY2024: Dividends −$228M$1.2BFY2024FY2025: Operating cash flow $344MFY2025: Net borrowing −$259MFY2025: Shares issued $17.5MFY2025: Asset sales $2.3MFY2025: Capital spending −$18.1MFY2025: Buybacks −$63.0MFY2025: Dividends −$249M$364MFY2025
Over these 5 years operating cash flow totalled $3.5B; the largest uses were net borrowing ($2.1B) and dividends ($1.1B). Cash-flow statements as filed.

Where the cash came from and went

Valley National Bancorp: sources (+) and uses (−) of cash, Q3 2026Valley National Bancorp: sources (+) and uses (−) of cash, Q3 2026Other financing$1.1BOther investing−$848MNet borrowing (+) / repaid (−)−$383MOperating cash flow$382MCash drawn (+) / kept (−)−$158MDividends−$60.9MBuybacks−$34.6MCapital spending−$3.5MAsset & business sales$1.9MTaxes on employees’ shares−$470KShares issued−$339K
Valley National Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Valley National Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$4.5BOther financing$4.0BOperating cash flow$952MNet borrowing (+) / repaid (−)−$307MDividends−$247MCash drawn (+) / kept (−)$245MBuybacks−$153MCapital spending−$17.4MTaxes on employees’ shares−$11.1MShares issued$3.2MAsset & business sales$3.2M

From profit to cash

Valley National Bancorp: net income to operating cash flow, Q3 2026Valley National Bancorp: net income to operating cash flow, Q3 2026Net income$206MDepreciation & amortization$8.3MStock-based pay$10.0MGains on disposals−$750KPrepaid and other assets−$358MOperating cash flow$382M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$382M−$3.5M−$34.6M−$60.9M−$383M−$339K−$158M$378M
Q2 2026$164M−$3.3M−$20.1M−$61.1M−$180M$665K$193M$160M
Q1 2026$210M−$1.4M−$51.8M−$62.9M−$378M$3.0M$424M$208M
Q4 2025$197M−$9.1M−$46.6M−$61.8M$40.4M−$192K−$213M$188M
Q3 2025$5.2M−$2.8M−$12.0M−$61.8M−$111M$14.0M−$184M$2.3M
Q2 2025$159M−$3.1M−$2.2M−$62.3M$98.2M$339K$37.3M$156M
Q1 2025−$17.1M−$3.0M−$2.2M−$62.9M−$287M$3.4M$666M−$20.2M
Q4 2024$392M−$6.4M—−$57.9M−$85.5M$451M−$850M$386M

Valley National Bancorp: income statement and cash flow

Valley National Bancorp, Q3 2026: revenue $584M (+14% year over year), operating margin 41.7%. The chart follows the revenue to costs, profit and cash.

Valley National Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.