Valley National Bancorp (VLY) — Working Capital to Net Assets Ratio
Valley National Bancorp (VLY) has a Working Capital to Net Assets ratio of -2.4% as of December 2025. Working capital of $-190.19 Million (current assets of $559.06 Million minus current liabilities of $749.26 Million) is measured against net assets of $7.81 Billion. A higher ratio indicates strong short-term liquidity financed by the equity base. See VLY defensive interval ratio to measure how many days the company can operate on defensive assets alone.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Valley National Bancorp Working Capital to Net Assets (1989–2025)
This chart shows how Valley National Bancorp's Working Capital to Net Assets ratio has evolved across 37 annual periods from 1989 to 2025. As of December 2025, the ratio stands at -2.4%, reflecting working capital of $-190.19 Million against net assets of $7.81 Billion USD. For the complete balance sheet picture, see how large is Valley National Bancorp's balance sheet.
Annual Working Capital to Net Assets for Valley National Bancorp (1989–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Valley National Bancorp from 1989 to 2025, covering 37 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. Check VLY financial resilience to evaluate the company's liquid asset resilience ratio.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | -2.4% | $-190.19 Million | $7.81 Billion | $559.06 Million | $749.26 Million | ▲ +640.3 pp |
| 2024 | -642.7% | $-47.78 Billion | $7.44 Billion | $2.36 Billion | $50.15 Billion | ▲ +88.6 pp |
| 2023 | -731.3% | $-49.01 Billion | $6.70 Billion | $2.44 Billion | $51.44 Billion | ▼ -1.7 pp |
| 2022 | -729.6% | $-46.70 Billion | $6.40 Billion | $2.41 Billion | $49.10 Billion | ▼ -74.1 pp |
| 2021 | -655.5% | $-33.32 Billion | $5.08 Billion | $3.28 Billion | $36.60 Billion | ▲ +19.4 pp |
| 2020 | -674.9% | $-30.99 Billion | $4.59 Billion | $2.77 Billion | $33.77 Billion | ▼ -17.8 pp |
| 2019 | -657.1% | $-28.81 Billion | $4.38 Billion | $2.11 Billion | $30.91 Billion | ▲ +76.5 pp |
| 2018 | -733.5% | $-24.58 Billion | $3.35 Billion | $2.27 Billion | $26.85 Billion | ▼ -53.4 pp |
| 2017 | -680.1% | $-17.23 Billion | $2.53 Billion | $1.98 Billion | $19.21 Billion | ▲ +52.7 pp |
| 2016 | -732.8% | $-17.42 Billion | $2.38 Billion | $1.76 Billion | $19.18 Billion | ▼ -13.5 pp |
| 2015 | -719.3% | $-15.88 Billion | $2.21 Billion | $1.98 Billion | $17.86 Billion | ▼ -19.8 pp |
| 2014 | -699.5% | $-13.03 Billion | $1.86 Billion | $1.79 Billion | $14.82 Billion | ▲ +19.4 pp |
| 2013 | -718.9% | $-11.08 Billion | $1.54 Billion | $1.29 Billion | $12.36 Billion | ▼ -23.3 pp |
| 2012 | -695.6% | $-10.45 Billion | $1.50 Billion | $1.76 Billion | $12.21 Billion | ▲ +69.1 pp |
| 2011 | -764.7% | $-9.60 Billion | $1.25 Billion | $1.07 Billion | $10.67 Billion | ▼ -83.2 pp |
| 2010 | -681.5% | $-8.83 Billion | $1.30 Billion | $1.55 Billion | $10.38 Billion | ▼ -4.5 pp |
| 2009 | -677.0% | $-8.48 Billion | $1.25 Billion | $2.07 Billion | $10.55 Billion | ▼ -32.7 pp |
| 2008 | -644.3% | $-8.79 Billion | $1.36 Billion | $2.07 Billion | $10.86 Billion | ▲ +155.4 pp |
| 2007 | -799.8% | $-7.59 Billion | $949.06 Million | $1.89 Billion | $9.48 Billion | ▼ -10.5 pp |
| 2006 | -789.2% | $-7.49 Billion | $949.59 Million | $2.08 Billion | $9.57 Billion | ▲ +23.9 pp |
| 2005 | -813.2% | $-7.58 Billion | $931.91 Million | $2.36 Billion | $9.94 Billion | ▲ +291.8 pp |
| 2004 | -1105.0% | $-7.82 Billion | $707.60 Million | $210.11 Million | $8.03 Billion | ▲ +10.5 pp |
| 2003 | -1115.5% | $-7.28 Billion | $652.79 Million | $258.61 Million | $7.54 Billion | ▼ -42.8 pp |
| 2002 | -1072.6% | $-6.78 Billion | $631.74 Million | $285.51 Million | $7.06 Billion | ▼ -120.8 pp |
| 2001 | -951.9% | $-6.46 Billion | $678.38 Million | $354.03 Million | $6.81 Billion | ▲ +24.4 pp |
| 2000 | -976.2% | $-6.40 Billion | $655.98 Million | $288.98 Million | $6.69 Billion | ▼ -75.9 pp |
| 1999 | -900.3% | $-4.98 Billion | $553.50 Million | $197.10 Million | $5.18 Billion | ▼ -84.8 pp |
| 1998 | -815.5% | $-4.81 Billion | $589.80 Million | $218.10 Million | $5.03 Billion | ▲ +63.5 pp |
| 1997 | -879.0% | $-4.48 Billion | $509.30 Million | $182.80 Million | $4.66 Billion | ▲ +132.3 pp |
| 1996 | -1011.2% | $-4.01 Billion | $396.50 Million | $190.00 Million | $4.20 Billion | ▼ -33.5 pp |
| 1995 | -977.8% | $-3.91 Billion | $400.20 Million | $197.80 Million | $4.11 Billion | ▲ +94.1 pp |
| 1994 | -1071.8% | $-3.22 Billion | $300.20 Million | $180.20 Million | $3.40 Billion | ▲ +71.8 pp |
| 1993 | -1143.6% | $-3.02 Billion | $264.40 Million | $91.20 Million | $3.11 Billion | ▲ +104.9 pp |
| 1992 | -1248.5% | $-2.73 Billion | $218.30 Million | $182.40 Million | $2.91 Billion | ▲ +40.6 pp |
| 1991 | -1289.0% | $-2.51 Billion | $194.50 Million | $114.40 Million | $2.62 Billion | ▼ -346.9 pp |
| 1990 | -942.1% | $-1.70 Billion | $180.60 Million | $98.80 Million | $1.80 Billion | ▼ -55.9 pp |
| 1989 | -886.2% | $-1.52 Billion | $171.50 Million | $106.70 Million | $1.63 Billion | — |