Valley National Bancorp — Earnings Quality Grade F
VLY · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 44 days, change -4 days YoY
AR growth 1.6% vs revenue growth 9.9%
Revenue 9.9%, CFFO -37.3%. Cash follows revenue
Expense Quality
No material inventory
Insufficient data
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.57. Below 1.0
FCF $0.3B, FCF/NI = 0.57
Accruals ratio = 0.4%. Low accruals
Cash $1.6B covers only 47% of debt $3.3B
Balance Sheet Health
Goodwill+Intangibles $2.0B = 25% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -1% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor VLY continuously
The full checks and model details are free to read. Use Watchlist to track your holdings; Pro adds automatic quarterly rescoring, risk-event email alerts, scans up to 50 tickers, and export workflows.
Altman Z-Score — Not Applicable
Valley National Bancorp is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25