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Valley National Bank VLY Lease Liability - Undiscounted Excess Amount

Discontinued — last reported Q4 '25

Lease Liability - Undiscounted Excess Amount at other companies

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Other financials

Income statement

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Revenue$540.4M+13.0%
Net income$163.9M+54.6%
EPS (diluted)$0.28+55.6%

Balance sheet

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Cash & equivalents$1.2B-5.3%
Total debt$63.9M+8.2%
Total equity$7.8B+4.4%
Total assets$64.5B+4.2%

Cash flow

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Operating cash flow$209.6M+1,324%
CapEx$1.4M-54.1%
Free cash flow$208.2M+1,132%

Valuation

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Market cap$7.81B+36.9%
Enterprise value$6.71B+50.0%
P/E11.9×-2.7×
P/S3.7×+0.7×

Profitability

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Net margin31.4%+10.6pp
FCF margin26.5%

Returns & leverage

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Return on equity8.6%+3.1pp
Debt / equity0.0×

Where this comes from

Reported directly by Valley National Bank in its filing.

Tagged under the XBRL concept us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount.

The official record: Valley National Bank’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Valley National Bank's lease liability - undiscounted excess amount?
Valley National Bank (VLY) reported lease liability - undiscounted excess amount of $86.28M in Q4 2025.
How has Valley National Bank's lease liability - undiscounted excess amount changed year-over-year?
Valley National Bank's lease liability - undiscounted excess amount increased by 7.5% year-over-year, from $80.23M to $86.28M.
What is the long-term trend for Valley National Bank's lease liability - undiscounted excess amount?
Over 5 years (2020 to 2025), Valley National Bank's lease liability - undiscounted excess amount has grown at a 10.1% compound annual growth rate (CAGR), from $53.37M to $86.28M.
What does lease liability - undiscounted excess amount mean?
The total interest cost embedded in the bank's lease payments that is not yet reflected in the balance sheet liability.
How do you interpret lease liability - undiscounted excess amount?
A higher excess amount indicates a larger interest component in the lease portfolio, which may suggest longer lease terms or higher implicit interest rates.
How does lease liability - undiscounted excess amount compare across companies?
Technical accounting metric; peers with similar lease portfolios will have comparable interest components.