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Valley National Bank VLY Consumer Banking — Net Interest Income

Other segment segments

Commercial Banking
$356.26M+2.7%

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Other financials

Income statement

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Revenue$560.7M+13.3%
Net income$170.9M+28.3%
EPS (diluted)$0.29+31.8%

Balance sheet

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Cash & equivalents$966.9M-18.5%
Total debt$433.5M+167%
Total equity$7.9B+4.5%
Total assets$66.3B+5.8%

Cash flow

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Operating cash flow$163.5M+2.8%
CapEx$3.3M+7.7%
Free cash flow$160.2M+2.7%

Valuation

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Market cap$8.17B+58.3%
Enterprise value$7.64B+84.6%
P/E11.8×+0.4×
P/S3.8×+1.1×

Profitability

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Net margin32.2%+8.6pp
FCF margin25.9%

Returns & leverage

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Return on equity9%+2.6pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by Valley National Bank in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The source filing: Valley National Bank’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 4:15 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000714310-26-000041
Line itemConsumer BankingCommercial BankingTreasury and Corporate OtherTotal
Average interest earning assets$11,449,774$40,434,399$9,173,189$61,057,362
Interest income$138,739$595,979$94,657$829,375
Interest expense64,199226,71751,435342,351
Net interest income74,540369,26243,222487,024
Provision (credit) for credit losses1,29127,875(2)29,164
Net interest income after provision for credit losses73,249341,38743,224457,860
Non-interest income34,40933,5725,73073,711
Non-interest expense

Item 1. Financial Statements (Unaudited)

FAQ

What is Valley National Bank's consumer banking — net interest income?
Valley National Bank (VLY) reported consumer banking — net interest income of $74.54M in Q2 2026.
How has Valley National Bank's consumer banking — net interest income changed year-over-year?
Valley National Bank's consumer banking — net interest income increased by 20.8% year-over-year, from $61.7M to $74.54M.
What is the long-term trend for Valley National Bank's consumer banking — net interest income?
Over 4 years (2021 to 2025), Valley National Bank's consumer banking — net interest income has grown at a 3.6% compound annual growth rate (CAGR), from $219.6M to $253M.
What does consumer banking — net interest income mean?
The difference between the interest income generated by consumer banking assets and the interest expense incurred to fund those assets. This is a core measure of the segment's profitability and its ability to manage interest rate spreads effectively.

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