Valley National Bancorp (VLY) — Defensive Interval Ratio
Valley National Bancorp (VLY) has a Defensive Interval Ratio of 2166 days as of December 2025. Defensive assets of $4.45 Billion (cash $-, short-term investments $4.20 Billion, receivables $243.90 Million) cover 2166 days of daily cash needs of $2.05 Million/day. See Valley National Bancorp (VLY) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Valley National Bancorp Defensive Interval Ratio (1989–2025)
This chart shows how Valley National Bancorp's Defensive Interval Ratio has evolved across 37 annual periods from 1989 to 2025. As of December 2025, the ratio stands at 2166 days, meaning defensive assets of $4.45 Billion can fund 2166 days of operations without new revenue. See VLY net asset quality score to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Valley National Bancorp (1989–2025)
The table below presents the year-by-year Defensive Interval Ratio for Valley National Bancorp from 1989 to 2025, covering 37 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see Valley National Bancorp market capitalisation.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 2166 days | $4.45 Billion | $2.05 Million/day | $- | $4.20 Billion | ▲ +2162 days |
| 2024 | 3 days | $473.76 Million | $137.39 Million/day | $- | $233.82 Million | ▼ -7 days |
| 2023 | 11 days | $1.54 Billion | $140.94 Million/day | $- | $1.30 Billion | ▲ +0 days |
| 2022 | 11 days | $1.46 Billion | $134.53 Million/day | $- | $1.26 Billion | ▼ -1 days |
| 2021 | 12 days | $1.23 Billion | $100.27 Million/day | $- | $1.13 Billion | ▼ -3 days |
| 2020 | 16 days | $1.45 Billion | $92.51 Million/day | $- | $1.34 Billion | ▼ -4 days |
| 2019 | 20 days | $1.67 Billion | $84.70 Million/day | $- | $1.57 Billion | ▼ -5 days |
| 2018 | 25 days | $1.84 Billion | $73.56 Million/day | $- | $1.75 Billion | ▼ -5 days |
| 2017 | 30 days | $1.57 Billion | $52.63 Million/day | $- | $1.49 Billion | ▲ +4 days |
| 2016 | 26 days | $1.36 Billion | $52.54 Million/day | $- | $1.30 Billion | ▼ -6 days |
| 2015 | 32 days | $1.57 Billion | $48.93 Million/day | $- | $1.51 Billion | ▲ +9 days |
| 2014 | 23 days | $944.30 Million | $40.61 Million/day | $- | $886.97 Million | ▼ -4 days |
| 2013 | 27 days | $916.41 Million | $33.88 Million/day | $- | $829.69 Million | ▼ 0 days |
| 2012 | 27 days | $905.19 Million | $33.45 Million/day | $- | $807.82 Million | ▲ +3 days |
| 2011 | 24 days | $693.44 Million | $29.23 Million/day | $- | $566.52 Million | ▼ -18 days |
| 2010 | 42 days | $1.18 Billion | $28.43 Million/day | $- | $1.04 Billion | ▼ -7 days |
| 2009 | 49 days | $1.41 Billion | $28.91 Million/day | $- | $1.35 Billion | ▼ -1 days |
| 2008 | 50 days | $1.49 Billion | $29.75 Million/day | $- | $1.44 Billion | ▼ -14 days |
| 2007 | 64 days | $1.66 Billion | $25.98 Million/day | $- | $1.61 Billion | ▼ -6 days |
| 2006 | 70 days | $1.83 Billion | $26.22 Million/day | $- | $1.77 Billion | ▼ -7 days |
| 2005 | 77 days | $2.10 Billion | $27.23 Million/day | $- | $2.04 Billion | ▲ +16 days |
| 2004 | 61 days | $1.34 Billion | $22.00 Million/day | $- | $1.29 Billion | ▼ -1 days |
| 2003 | 62 days | $1.27 Billion | $20.66 Million/day | $- | $1.23 Billion | ▲ +29 days |
| 2002 | 33 days | $632.48 Million | $19.35 Million/day | $- | $590.89 Million | ▲ +30 days |
| 2001 | 2 days | $42.18 Million | $18.66 Million/day | $- | $- | ▼ -3 days |
| 2000 | 5 days | $99.87 Million | $18.34 Million/day | $- | $50.00 Million | ▲ +3 days |
| 1999 | 3 days | $35.50 Million | $14.19 Million/day | $- | $- | ▲ +0 days |
| 1998 | 2 days | $32.20 Million | $13.77 Million/day | $- | $- | ▼ 0 days |
| 1997 | 2 days | $31.20 Million | $12.77 Million/day | $- | $- | ▲ +0 days |
| 1996 | 2 days | $27.10 Million | $11.51 Million/day | $- | $- | ▼ 0 days |
| 1995 | 3 days | $30.50 Million | $11.26 Million/day | $- | $- | ▼ 0 days |
| 1994 | 3 days | $25.60 Million | $9.31 Million/day | $- | $- | ▼ 0 days |
| 1993 | 3 days | $23.70 Million | $8.53 Million/day | $- | $- | ▼ 0 days |
| 1992 | 3 days | $25.70 Million | $7.97 Million/day | $- | $- | ▼ 0 days |
| 1991 | 3 days | $24.10 Million | $7.18 Million/day | $- | $- | ▼ 0 days |
| 1990 | 4 days | $18.60 Million | $4.93 Million/day | $- | $- | ▲ +0 days |
| 1989 | 4 days | $16.30 Million | $4.46 Million/day | $- | $- | — |