VLYVALLEY NATIONAL BANCORP
National Commercial Banks
- Revenue
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- Operating margin
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- EBITDA
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- Market cap
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- Employees
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- Net debt / EBITDA
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- $1.8B net debt
- AI in 10-K
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Red flags 1 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashFired57% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear91% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear3% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $474M | $569M | $499M | $380M | $598M | 57% |
| Operating cash flow | $837M | $1.4B | $378M | $549M | $344M | 37% |
| Capex | $39M | $69M | $76M | $16M | $18M | 12% |
| Stock-based comp | $21M | $29M | $33M | $29M | $27M | 5.9% |
| Buybacks | $24M | $24M | $2M | $0 | $63M | |
| Dividends | $180M | $206M | $225M | $228M | $249M | 9.1% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
No pay-versus-performance disclosure yet.