VLY vs. USB

Last updated Apr 1, 2026

Compare and contrast key facts about Valley National Bancorp (VLY) and U.S. Bancorp (USB).

Performance

VLY vs. USB - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Valley National Bancorp (VLY) and U.S. Bancorp (USB). The values are adjusted to include any dividend payments, if applicable.

VLY vs. USB - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
VLY Valley National Bancorp	6.12%	34.83%	-11.91%	0.67%	-14.61%	45.75%	-10.00%	34.31%	-17.82%	0.09%
USB U.S. Bancorp	-1.52%	16.48%	15.62%	4.79%	-19.13%	24.32%	-17.85%	33.62%	-12.36%	6.61%

Fundamentals

Market Cap VLY : $6.90B USB : $80.93B
EPS VLY : $1.06 USB : $4.86
PE Ratio VLY : 11.57 USB : 10.69
PS Ratio VLY : 2.20 USB : 1.89
PB Ratio VLY : 0.88 USB : 1.39
Total Revenue (TTM) VLY : $3.14B USB : $42.86B
Gross Profit (TTM) VLY : $1.36B USB : $26.93B
EBITDA (TTM) VLY : $573.89M USB : $10.29B

Returns By Period

In the year-to-date period, VLY achieves a 6.12% return, which is significantly higher than USB's -1.52% return. Over the past 10 years, VLY has outperformed USB with an annualized return of 7.08%, while USB has yielded a comparatively lower 6.30% annualized return.

VLY

• 1D: 3.19%
• 1M: -1.71%
• YTD: 6.12%
• 6M: 18.02%
• 1Y: 43.95%
• 3Y*: 15.39%
• 5Y*: 2.05%
• 10Y*: 7.08%

USB

• 1D: 3.28%
• 1M: -3.87%
• YTD: -1.52%
• 6M: 9.78%
• 1Y: 28.41%
• 3Y*: 18.38%
• 5Y*: 2.96%
• 10Y*: 6.30%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

VLY vs. USB — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

VLY

VLY Risk / Return Rank: 82
VLY Sharpe Ratio Rank: 83
VLY Sortino Ratio Rank: 76
VLY Omega Ratio Rank: 78
VLY Calmar Ratio Rank: 88
VLY Martin Ratio Rank: 87

USB

USB Risk / Return Rank: 74
USB Sharpe Ratio Rank: 77
USB Sortino Ratio Rank: 69
USB Omega Ratio Rank: 71
USB Calmar Ratio Rank: 76
USB Martin Ratio Rank: 77

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

VLY vs. USB - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Valley National Bancorp (VLY) and U.S. Bancorp (USB). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	VLY	USB	Difference
Sharpe ratio Return per unit of total volatility	1.38	1.07	+0.31
Sortino ratio Return per unit of downside risk	1.88	1.52	+0.36
Omega ratio Gain probability vs. loss probability	1.27	1.22	+0.05
Calmar ratio Return relative to maximum drawdown	3.35	1.84	+1.51
Martin ratio Return relative to average drawdown	8.85	4.80	+4.05
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

VLY vs. USB - Sharpe Ratio Comparison

The current VLY Sharpe Ratio is 1.38, which is comparable to the USB Sharpe Ratio of 1.07. The chart below compares the historical Sharpe Ratios of VLY and USB, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	VLY	USB	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.38	1.07	+0.31
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.05	0.10	-0.05
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.19	0.21	-0.01
Sharpe Ratio (All Time) Calculated using the full available price history	0.26	0.06	+0.20

Correlation

The correlation between VLY and USB is 0.50, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.

Dividends

VLY vs. USB - Dividend Comparison

VLY's dividend yield for the trailing twelve months is around 3.58%, less than USB's 3.96% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
VLY Valley National Bancorp	3.58%	3.77%	4.86%	4.05%	3.89%	3.20%	4.51%	3.84%	4.95%	3.92%	3.78%	4.47%
USB U.S. Bancorp	3.96%	3.82%	4.14%	4.46%	4.31%	3.13%	3.61%	2.66%	2.93%	2.16%	2.08%	2.37%

Drawdowns

VLY vs. USB - Drawdown Comparison

The maximum VLY drawdown since its inception was -62.17%, smaller than the maximum USB drawdown of -92.31%. Use the drawdown chart below to compare losses from any high point for VLY and USB.

Drawdown Indicators

	VLY	USB	Difference
Max Drawdown Largest peak-to-trough decline	-62.17%	-92.31%	+30.14%
Max Drawdown (1Y) Largest decline over 1 year	-13.64%	-16.21%	+2.57%
Max Drawdown (5Y) Largest decline over 5 years	-53.95%	-52.13%	-1.82%
Max Drawdown (10Y) Largest decline over 10 years	-53.95%	-52.13%	-1.82%
Current Drawdown Current decline from peak	-9.59%	-13.42%	+3.83%
Average Drawdown Average peak-to-trough decline	-14.05%	-14.28%	+0.23%
Ulcer Index Depth and duration of drawdowns from previous peaks	5.17%	6.21%	-1.04%

Volatility

VLY vs. USB - Volatility Comparison

Valley National Bancorp (VLY) has a higher volatility of 6.98% compared to U.S. Bancorp (USB) at 5.57%. This indicates that VLY's price experiences larger fluctuations and is considered to be riskier than USB based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	VLY	USB	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.98%	5.57%	+1.41%
Volatility (6M) Calculated over the trailing 6-month period	21.75%	16.40%	+5.35%
Volatility (1Y) Calculated over the trailing 1-year period	31.90%	26.62%	+5.28%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	37.67%	29.74%	+7.93%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	36.50%	30.23%	+6.27%

Financials

VLY vs. USB - Profitability Comparison

The chart below illustrates the profitability comparison between Valley National Bancorp and U.S. Bancorp over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

VLY - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Valley National Bancorp reported a gross profit of 0.00 and revenue of 541.25M. Therefore, the gross margin over that period was 0.0%.

USB - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, U.S. Bancorp reported a gross profit of 7.34B and revenue of 10.98B. Therefore, the gross margin over that period was 66.9%.

VLY - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Valley National Bancorp reported an operating income of 0.00 and revenue of 541.25M, resulting in an operating margin of 0.0%.

USB - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, U.S. Bancorp reported an operating income of 2.53B and revenue of 10.98B, resulting in an operating margin of 23.1%.

VLY - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Valley National Bancorp reported a net income of 195.40M and revenue of 541.25M, resulting in a net margin of 36.1%.

USB - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, U.S. Bancorp reported a net income of 2.05B and revenue of 10.98B, resulting in a net margin of 18.7%.