Morningstar DBRS confirmed Valley National Bancorp's Long-Term Issuer Rating at A (low), maintaining a Stable trend for all credit ratings. The Intrinsic Assessment for Valley National Bank, the banking subsidiary, is 'A'.
The confirmation reflects Valley's solid relationship-focused banking franchise, including its commercial and consumer businesses, and good earnings generation. The agency noted resilient net interest income contributions and modest fee-based revenues.
Despite a substantial commercial real estate (CRE) concentration, Valley's risk profile was deemed sound due to its conservative credit culture and efforts to de-emphasize CRE while growing C&I and automobile financings. Capitalization was assessed as acceptable, with the CET1 ratio at 10.80% at the end of Q1 2025.
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