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Cullen/Frost Bankers vs Valley National Bancorp: CFR and VLY compared
Cullen/Frost Bankers is the larger company: $604M of revenue in its latest quarter (Q3 2026) against $584M for Valley National Bancorp (Q3 2026). Valley National Bancorp is growing faster (+14% against +6% a year earlier). Valley National Bancorp is more profitable, with an operating margin of 41.7% against 35.5%.
Where the money goes: CFR and VLY
Cullen/Frost Bankers (CFR) · Q3 2026
Cullen/Frost Bankers, Q3 2026: revenue $604M (+6% year over year), operating margin 35.5%, net earnings $180M, operating cash flow $293M. The chart follows the revenue to costs, profit and cash.
Valley National Bancorp (VLY) · Q3 2026
Valley National Bancorp, Q3 2026: revenue $584M (+14% year over year), operating margin 41.7%, net earnings $206M, operating cash flow $382M. The chart follows the revenue to costs, profit and cash.
| Cullen/Frost Bankers (CFR) | Valley National Bancorp (VLY) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $604M | $584M |
| Revenue growth, Y/Y | +6% | +14% |
| Operating margin | 35.5% | 41.7% |
| Net earnings | $180M | $206M |
| Net margin | 29.8% | 35.3% |
| Operating cash flow | $293M | $382M |
| Free cash flow | $249M | $378M |
| Market value | $9.6B | $7.8B |
| P/E | 14.4× | 10.6× |
| Analysts’ mean target | $173.57 | $17.04 |
Where the revenue comes from
Valley National Bancorp
- Net interest income: $505M (87%)
- Noninterest income: $78.7M (13%)
Questions
Which is bigger, Cullen/Frost Bankers or Valley National Bancorp?
Cullen/Frost Bankers is the larger company: $604M of revenue in its latest quarter (Q3 2026) against $584M for Valley National Bancorp (Q3 2026).
Is Cullen/Frost Bankers or Valley National Bancorp growing faster?
Valley National Bancorp is growing faster (+14% against +6% a year earlier).
Which is more profitable, Cullen/Frost Bankers or Valley National Bancorp?
Valley National Bancorp is more profitable, with an operating margin of 41.7% against 35.5%.
More: Cullen/Frost Bankers earnings · how Cullen/Frost Bankers makes money · Valley National Bancorp earnings · how Valley National Bancorp makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Oct 29, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.