What is the current annual net margin of VLY?

As of today, VLY annual net margin is 10.63%

What is 1-year change in VLY annual net margin?

VLY annual net margin is down -28.32% year-over-year

What is 3-year change in VLY annual net margin?

VLY annual net margin is down -66.41% over the past 3 years

How far is VLY annual net margin from its all-time high?

VLY annual net margin is currently -66.41% below its historical high of 31.65% set on December 31, 2021

How does VLY annual net margin rank versus sector peers?

VLY annual net margin is higher than 39.52% of companies in Financial Services sector

When is VLY next annual earnings release?

The next annual earnings release for VLY is on January 29, 2026

What is the current quarterly net margin of VLY?

As of today, VLY quarterly net margin is 18.32%

What is VLY quarterly net margin most recent change?

VLY quarterly net margin was up +19.35% on September 30, 2025

What is 1-year change in VLY quarterly net margin?

VLY quarterly net margin is up +71.70% year-over-year

How far is VLY quarterly net margin from its all-time high?

VLY quarterly net margin is currently -55.57% below its historical high of 41.23% set on September 30, 1989

How does VLY quarterly net margin rank versus sector peers?

VLY quarterly net margin is higher than 56.76% of companies in Financial Services sector

When is VLY next earnings release?

The next earnings release for VLY is on January 29, 2026

VLY Net Margin History & Chart Since 1987

Annual Net Margin

10.63%4.20%-28.32%

December 31, 2024

Summary

Current Value: As of today, VLY annual net margin is 10.63%, down -28.32% on December 31, 2024
Historical Performance: VLY annual net margin is down -66.41% over the past 3 years, and down -50.26% over the past 5 years
All-Time High Comparison: VLY annual net margin is currently -66.41% below its historical high of 31.65% set on December 31, 2021
3-Year Low Comparison: VLY annual net margin is at its 3-year low
Sector Comparison: VLY annual net margin is higher than 39.52% of companies in Financial Services sector

Net Margin Chart

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Series

Performance

VLY Performance
Metric	Date	Value	1Y	3Y	5Y	15Y
Annual Net Margin	Dec 31, 24	10.63%	-28.3%	-66.4%	-50.3%	-27.6%
Quarterly Net Margin	Sep 30, 25	18.32%	+71.7%	-38.8%	-30.9%	+5.4%
Price	Jan 16, 26	$11.83	+25.7%	+5.0%	+11.0%	-10.5%
PE Ratio	Jan 16, 26	13.48	-1.0%	+36.0%	+17.9%	-25.4%
Annual Revenue	Dec 31, 24	$3.58B	+6.5%	+139.0%	+146.9%	+352.8%
Annual Net Income	Dec 31, 24	$380.27M	-23.7%	-19.8%	+22.8%	+227.7%
Annual Gross Margin	Dec 31, 24	0.00%	0.0%	0.0%	0.0%	0.0%
Annual Operating Margin	Dec 31, 24	12.15%	-40.8%	-72.1%	-58.8%	-44.6%

Net Margin Highs

VLY Annual Net Margin Highs Comparison
Period	High	Date	Current
3Y	26.02%	N/A	-59.1%
5Y	31.65%	Dec 31, 21	-66.4%
All	31.65%	Dec 31, 21	-66.4%

Net Margin Lows

VLY Annual Net Margin Lows Comparison
Period	Low	Date	Current
3Y	10.63%	Dec 31, 24	at low
5Y	10.63%	Dec 31, 24	at low
All	10.63%	Dec 31, 24	at low

Net Margin History

Year	Value	Change
2024	10.63%	-28.3%
2023	14.83%	-43.0%
2022	26.02%	-17.8%
2021	31.65%	+26.2%
2020	25.07%	+17.3%
2019	21.37%	+5.2%
2018	20.31%	+18.0%
2017	17.21%	-11.7%
2016	19.50%	+50.0%
2015	13.00%	-21.3%
2014	16.51%	-7.8%
2013	17.91%	-0.4%
2012	17.98%	+9.5%
2011	16.42%	-3.4%
2010	16.99%	+15.7%
2009	14.69%	+28.3%
2008	11.45%	-39.2%
2007	18.84%	-9.5%
2006	20.82%	-11.0%

Year	Value	Change
2005	23.39%	-8.6%
2004	25.59%	+1.0%
2003	25.33%	-2.5%
2002	25.98%	+19.5%
2001	21.74%	+4.2%
2000	20.86%	-6.8%
1999	22.39%	-0.5%
1998	22.50%	+8.7%
1997	20.70%	+7.5%
1996	19.25%	+3.8%
1995	18.54%	-16.7%
1994	22.25%	+1.6%
1993	21.91%	+32.6%
1992	16.52%	+16.0%
1991	14.24%	-3.3%
1990	14.73%	-24.1%
1989	19.40%	-11.3%
1988	21.86%	-3.5%
1987	22.66%	-

FAQ

What is the current annual net margin of VLY?
As of today, VLY annual net margin is 10.63%
What is 1-year change in VLY annual net margin?
VLY annual net margin is down -28.32% year-over-year
What is 3-year change in VLY annual net margin?
VLY annual net margin is down -66.41% over the past 3 years
How far is VLY annual net margin from its all-time high?
VLY annual net margin is currently -66.41% below its historical high of 31.65% set on December 31, 2021
How does VLY annual net margin rank versus sector peers?
VLY annual net margin is higher than 39.52% of companies in Financial Services sector
When is VLY next annual earnings release?
The next annual earnings release for VLY is on January 29, 2026

Quarterly Net Margin

18.32%2.97%+19.35%

September 30, 2025

Summary

Current Value: As of today, VLY quarterly net margin is 18.32%, up +19.35% on September 30, 2025
Historical Performance: VLY quarterly net margin is up +71.70% year-over-year, and down -38.81% over the past 3 years
All-Time High Comparison: VLY quarterly net margin is currently -55.57% below its historical high of 41.23% set on September 30, 1989
3-Year Low Comparison: VLY quarterly net margin is +129.29% above its 3-year low of 7.99% reached on June 30, 2024
Sector Comparison: VLY quarterly net margin is higher than 56.76% of companies in Financial Services sector

Performance

VLY Performance
Metric	Date	Value	3M	1Y	3Y	5Y
Quarterly Net Margin	Sep 30, 25	18.32%	+19.4%	+71.7%	-38.8%	-30.9%
Annual Net Margin	Dec 31, 24	10.63%	–	-28.3%	-66.4%	-50.3%
Price	Jan 16, 26	$11.83	+21.7%	+25.7%	+5.0%	+11.0%
PE Ratio	Jan 16, 26	13.48	+21.8%	-1.0%	+36.0%	+17.9%
Quarterly Revenue	Sep 30, 25	$891.81M	+2.8%	-2.7%	+49.9%	+131.1%
Quarterly Net Income	Sep 30, 25	$163.36M	+22.7%	+66.9%	-8.3%	+59.6%
Quarterly Gross Margin	Sep 30, 25	0.00%	0.0%	0.0%	0.0%	0.0%
Quarterly Operating Margin	Sep 30, 25	23.54%	+17.4%	+70.5%	-43.9%	-36.4%

Quarterly Net Margin Highs

VLY Quarterly Net Margin Highs Comparison
Period	High	Date	Current
1Y	18.32%	Sep 30, 25	at high
3Y	25.39%	N/A	-27.9%
5Y	33.06%	Sep 30, 21	-44.6%
All	41.23%	Sep 30, 89	-55.6%

Quarterly Net Margin Lows

VLY Quarterly Net Margin Lows Comparison
Period	Low	Date	Current
1Y	12.65%	Mar 31, 25	+44.8%
3Y	7.99%	Jun 30, 24	+129.3%
5Y	7.99%	Jun 30, 24	+129.3%
All	1.57%	Sep 30, 08	+1066.9%

Quarterly Net Margin History

Month	Value	Change
Sep 2025	18.32%	+19.3%
Jun 2025	15.35%	+21.3%
Mar 2025	12.65%	-3.1%
Dec 2024	13.06%	+22.4%
Sep 2024	10.67%	+33.5%
Jun 2024	7.99%	-26.6%
Mar 2024	10.89%	+32.5%
Dec 2023	8.22%	-49.6%
Sep 2023	16.32%	-0.2%
Jun 2023	16.35%	-13.4%
Mar 2023	18.88%	-25.6%
Dec 2022	25.39%	-15.2%
Sep 2022	29.94%	+59.4%
Jun 2022	18.78%	-38.4%
Mar 2022	30.51%	+2.5%
Dec 2021	29.77%	-10.0%
Sep 2021	33.06%	+3.4%
Jun 2021	31.98%	+0.4%
Mar 2021	31.86%	+16.2%
Dec 2020	27.41%	+3.3%
Sep 2020	26.53%	+9.4%
Jun 2020	24.25%	+12.3%
Mar 2020	21.59%	+115.5%
Dec 2019	10.02%	-54.7%
Sep 2019	22.12%	+2.9%
Jun 2019	21.49%	-33.6%
Mar 2019	32.36%	+43.9%
Dec 2018	22.49%	+5.3%
Sep 2018	21.35%	-6.7%
Jun 2018	22.88%	+63.4%
Mar 2018	14.00%	+33.1%
Dec 2017	10.52%	-36.9%
Sep 2017	16.68%	-21.4%
Jun 2017	21.23%	+3.1%
Mar 2017	20.59%	-4.1%
Dec 2016	21.47%	+8.1%
Sep 2016	19.86%	+8.1%
Jun 2016	18.38%	+4.8%
Mar 2016	17.53%	+675.7%
Dec 2015	2.26%	-87.7%
Sep 2015	18.33%	+12.2%
Jun 2015	16.34%	+2.1%
Mar 2015	16.01%	+19.6%
Dec 2014	13.39%	-17.5%
Sep 2014	16.23%	-4.6%
Jun 2014	17.01%	-13.2%
Mar 2014	19.59%	-7.4%
Dec 2013	21.16%	+38.2%
Sep 2013	15.31%	-17.3%
Jun 2013	18.52%	+9.4%
Mar 2013	16.93%	-9.3%
Dec 2012	18.66%	+0.4%
Sep 2012	18.59%	+8.3%
Jun 2012	17.17%	-2.2%
Mar 2012	17.56%	+41.2%
Dec 2011	12.44%	-32.6%
Sep 2011	18.45%	+0.6%
Jun 2011	18.34%	+6.9%
Mar 2011	17.15%	-9.8%
Dec 2010	19.01%	+9.4%
Sep 2010	17.38%	+2.9%
Jun 2010	16.89%	+16.2%
Mar 2010	14.54%	-11.0%
Dec 2009	16.34%	+0.9%
Sep 2009	16.20%	+97.3%
Jun 2009	8.21%	-52.5%
Mar 2009	17.30%	+100.5%
Dec 2008	8.63%	+449.7%
Sep 2008	1.57%	-92.7%
Jun 2008	21.40%	+34.3%
Mar 2008	15.94%	+7.6%
Dec 2007	14.82%	-17.0%
Sep 2007	17.86%	-9.7%

Month	Value	Change
Jun 2007	19.78%	-18.4%
Mar 2007	24.25%	+29.3%
Dec 2006	18.75%	-16.9%
Sep 2006	22.55%	+7.1%
Jun 2006	21.05%	-3.4%
Mar 2006	21.79%	-8.6%
Dec 2005	23.85%	+4.2%
Sep 2005	22.88%	+0.6%
Jun 2005	22.75%	-5.8%
Mar 2005	24.14%	-4.0%
Dec 2004	25.14%	-3.1%
Sep 2004	25.94%	+3.4%
Jun 2004	25.09%	-4.3%
Mar 2004	26.23%	+0.6%
Dec 2003	26.07%	+2.2%
Sep 2003	25.52%	+3.0%
Jun 2003	24.78%	-0.8%
Mar 2003	24.98%	-0.1%
Dec 2002	25.00%	-2.5%
Sep 2002	25.63%	-2.5%
Jun 2002	26.29%	-1.0%
Mar 2002	26.55%	+3.9%
Dec 2001	25.56%	+8.5%
Sep 2001	23.55%	+6.4%
Jun 2001	22.13%	+26.2%
Mar 2001	17.54%	-14.0%
Dec 2000	20.40%	-0.0%
Sep 2000	20.41%	-2.8%
Jun 2000	20.99%	-3.3%
Mar 2000	21.71%	-2.4%
Dec 1999	22.25%	-2.8%
Sep 1999	22.88%	+5.9%
Jun 1999	21.60%	-6.5%
Mar 1999	23.10%	+11.9%
Dec 1998	20.64%	-11.7%
Sep 1998	23.37%	-1.2%
Jun 1998	23.65%	+4.4%
Mar 1998	22.65%	-25.7%
Dec 1997	30.47%	-9.2%
Sep 1997	33.54%	+4.2%
Jun 1997	32.18%	-4.1%
Mar 1997	33.55%	+26.4%
Dec 1996	26.54%	-2.9%
Sep 1996	27.32%	-16.1%
Jun 1996	32.55%	-5.0%
Mar 1996	34.28%	+0.8%
Dec 1995	34.02%	-7.3%
Sep 1995	36.71%	+64.2%
Jun 1995	22.36%	-35.7%
Mar 1995	34.75%	+10.1%
Dec 1994	31.55%	-10.7%
Sep 1994	35.34%	+2.1%
Jun 1994	34.62%	-5.5%
Mar 1994	36.64%	+8.6%
Dec 1993	33.75%	+5.8%
Sep 1993	31.91%	-3.8%
Jun 1993	33.16%	-7.3%
Mar 1993	35.77%	+28.9%
Dec 1992	27.75%	-11.3%
Sep 1992	31.27%	+15.6%
Jun 1992	27.04%	-10.0%
Mar 1992	30.03%	+6.9%
Dec 1991	28.08%	+3.3%
Sep 1991	27.17%	-6.8%
Jun 1991	29.15%	-9.8%
Mar 1991	32.33%	+87.2%
Dec 1990	17.27%	-40.5%
Sep 1990	29.02%	-22.4%
Jun 1990	37.39%	-2.5%
Mar 1990	38.36%	-1.6%
Dec 1989	38.99%	-5.4%
Sep 1989	41.23%	-

FAQ

What is the current quarterly net margin of VLY?
As of today, VLY quarterly net margin is 18.32%
What is VLY quarterly net margin most recent change?
VLY quarterly net margin was up +19.35% on September 30, 2025
What is 1-year change in VLY quarterly net margin?
VLY quarterly net margin is up +71.70% year-over-year
How far is VLY quarterly net margin from its all-time high?
VLY quarterly net margin is currently -55.57% below its historical high of 41.23% set on September 30, 1989
How does VLY quarterly net margin rank versus sector peers?
VLY quarterly net margin is higher than 56.76% of companies in Financial Services sector
When is VLY next earnings release?
The next earnings release for VLY is on January 29, 2026

Net Margin Formula

Net Margin =

× 100%

Data Sources & References

VLY Official Website www.valley.com
Most Recent Quarterly Report (10-Q) www.sec.gov/Archives/edgar/data/714310/000071431025000153/0000714310-25-000153-index.htm
Most Recent Annual Report (10-K) www.sec.gov/Archives/edgar/data/714310/000071431025000068/0000714310-25-000068-index.htm
VLY Profile on Yahoo Finance finance.yahoo.com/quote/VLY
VLY Profile on NASDAQ.com www.nasdaq.com/market-activity/stocks/vly