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Side-by-side financial comparison of Natural Grocers by Vitamin Cottage, Inc. (NGVC) and VALLEY NATIONAL BANCORP (VLY). Click either name above to swap in a different company.
VALLEY NATIONAL BANCORP is the larger business by last-quarter revenue ($540.4M vs $335.6M, roughly 1.6× Natural Grocers by Vitamin Cottage, Inc.). VALLEY NATIONAL BANCORP runs the higher net margin — 30.3% vs 3.4%, a 27.0% gap on every dollar of revenue. On growth, VALLEY NATIONAL BANCORP posted the faster year-over-year revenue change (13.0% vs 1.6%). Over the past eight quarters, VALLEY NATIONAL BANCORP's revenue compounded faster (16.0% CAGR vs 4.4%).
Natural Grocers by Vitamin Cottage, Inc. is a U.S.-based specialty retail chain that offers certified organic groceries, dietary supplements, natural personal care items, and eco-friendly household products. It serves health-conscious consumers across multiple U.S. states, following strict quality standards that exclude artificial preservatives, colors, flavors and harmful additives.
VALLEY NATIONAL BANCORPVLYEarnings & Financial Report
North Valley Bancorp was a bank holding company headquartered in Redding, California. The company operated 22 branches. The company was acquired by TriCo Bancshares in October 2014, in a merger valued at more than $178 million.
NGVC vs VLY — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $335.6M | $540.4M |
| Net Profit | $11.3M | $163.9M |
| Gross Margin | 29.5% | — |
| Operating Margin | 4.4% | — |
| Net Margin | 3.4% | 30.3% |
| Revenue YoY | 1.6% | 13.0% |
| Net Profit YoY | 14.0% | 54.6% |
| EPS (diluted) | $0.49 | $0.29 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $540.4M | ||
| Q4 25 | $335.6M | $464.9M | ||
| Q3 25 | $336.1M | $446.2M | ||
| Q2 25 | $328.7M | $432.4M | ||
| Q1 25 | $335.8M | $420.1M | ||
| Q4 24 | $330.2M | $423.0M | ||
| Q3 24 | $322.7M | $410.5M | ||
| Q2 24 | $309.1M | $401.7M |
| Q1 26 | — | $163.9M | ||
| Q4 25 | $11.3M | $195.4M | ||
| Q3 25 | $11.8M | $163.4M | ||
| Q2 25 | $11.6M | $133.2M | ||
| Q1 25 | $13.1M | $106.1M | ||
| Q4 24 | $9.9M | $115.7M | ||
| Q3 24 | $9.0M | $97.9M | ||
| Q2 24 | $9.2M | $70.4M |
| Q1 26 | — | — | ||
| Q4 25 | 29.5% | — | ||
| Q3 25 | 29.5% | — | ||
| Q2 25 | 29.9% | — | ||
| Q1 25 | 30.3% | — | ||
| Q4 24 | 29.9% | — | ||
| Q3 24 | 29.6% | — | ||
| Q2 24 | 29.2% | — |
| Q1 26 | — | — | ||
| Q4 25 | 4.4% | 47.7% | ||
| Q3 25 | 4.6% | 47.1% | ||
| Q2 25 | 4.7% | 40.0% | ||
| Q1 25 | 5.2% | 33.1% | ||
| Q4 24 | 4.0% | 21.1% | ||
| Q3 24 | 3.7% | 30.9% | ||
| Q2 24 | 4.2% | 23.2% |
| Q1 26 | — | 30.3% | ||
| Q4 25 | 3.4% | 42.0% | ||
| Q3 25 | 3.5% | 36.6% | ||
| Q2 25 | 3.5% | 30.8% | ||
| Q1 25 | 3.9% | 25.2% | ||
| Q4 24 | 3.0% | 27.4% | ||
| Q3 24 | 2.8% | 23.8% | ||
| Q2 24 | 3.0% | 17.5% |
| Q1 26 | — | $0.29 | ||
| Q4 25 | $0.49 | $0.33 | ||
| Q3 25 | $0.51 | $0.28 | ||
| Q2 25 | $0.50 | $0.22 | ||
| Q1 25 | $0.56 | $0.18 | ||
| Q4 24 | $0.43 | $0.20 | ||
| Q3 24 | $0.38 | $0.18 | ||
| Q2 24 | $0.40 | $0.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $23.2M | — |
| Total DebtLower is stronger | — | $2.6B |
| Stockholders' EquityBook value | $220.0M | $7.9B |
| Total Assets | $668.6M | $64.5B |
| Debt / EquityLower = less leverage | — | 0.33× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $23.2M | — | ||
| Q3 25 | $17.1M | — | ||
| Q2 25 | $13.2M | — | ||
| Q1 25 | $21.2M | — | ||
| Q4 24 | $6.3M | — | ||
| Q3 24 | $8.9M | — | ||
| Q2 24 | $13.9M | — |
| Q1 26 | — | $2.6B | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $7.9B | ||
| Q4 25 | $220.0M | $7.8B | ||
| Q3 25 | $212.4M | $7.7B | ||
| Q2 25 | $202.5M | $7.6B | ||
| Q1 25 | $193.0M | $7.5B | ||
| Q4 24 | $181.9M | $7.4B | ||
| Q3 24 | $174.3M | $7.0B | ||
| Q2 24 | $167.8M | $6.7B |
| Q1 26 | — | $64.5B | ||
| Q4 25 | $668.6M | $64.1B | ||
| Q3 25 | $670.5M | $63.0B | ||
| Q2 25 | $659.0M | $62.7B | ||
| Q1 25 | $664.6M | $61.9B | ||
| Q4 24 | $648.9M | $62.5B | ||
| Q3 24 | $655.5M | $62.1B | ||
| Q2 24 | $654.4M | $62.1B |
| Q1 26 | — | 0.33× | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $21.1M | — |
| Free Cash FlowOCF − Capex | $11.6M | — |
| FCF MarginFCF / Revenue | 3.4% | — |
| Capex IntensityCapex / Revenue | 2.9% | — |
| Cash ConversionOCF / Net Profit | 1.86× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.6M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $21.1M | $196.6M | ||
| Q3 25 | $15.6M | $5.2M | ||
| Q2 25 | $2.9M | $159.2M | ||
| Q1 25 | $34.1M | $-17.1M | ||
| Q4 24 | $2.7M | $392.2M | ||
| Q3 24 | $24.5M | $-157.2M | ||
| Q2 24 | $12.4M | $214.0M |
| Q1 26 | — | — | ||
| Q4 25 | $11.6M | $187.5M | ||
| Q3 25 | $7.5M | $2.3M | ||
| Q2 25 | $-4.2M | $156.0M | ||
| Q1 25 | $27.6M | $-20.2M | ||
| Q4 24 | $-6.9M | $385.8M | ||
| Q3 24 | $18.0M | $-160.5M | ||
| Q2 24 | $3.6M | $211.3M |
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 40.3% | ||
| Q3 25 | 2.2% | 0.5% | ||
| Q2 25 | -1.3% | 36.1% | ||
| Q1 25 | 8.2% | -4.8% | ||
| Q4 24 | -2.1% | 91.2% | ||
| Q3 24 | 5.6% | -39.1% | ||
| Q2 24 | 1.2% | 52.6% |
| Q1 26 | — | — | ||
| Q4 25 | 2.9% | 2.0% | ||
| Q3 25 | 2.4% | 0.6% | ||
| Q2 25 | 2.2% | 0.7% | ||
| Q1 25 | 1.9% | 0.7% | ||
| Q4 24 | 2.9% | 1.5% | ||
| Q3 24 | 2.0% | 0.8% | ||
| Q2 24 | 2.9% | 0.7% |
| Q1 26 | — | — | ||
| Q4 25 | 1.86× | 1.01× | ||
| Q3 25 | 1.32× | 0.03× | ||
| Q2 25 | 0.25× | 1.20× | ||
| Q1 25 | 2.60× | -0.16× | ||
| Q4 24 | 0.27× | 3.39× | ||
| Q3 24 | 2.72× | -1.61× | ||
| Q2 24 | 1.35× | 3.04× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NGVC
| Grocery | $243.8M | 73% |
| Dietary Supplements | $60.7M | 18% |
| Manufactured Product Other | $31.0M | 9% |
VLY
Segment breakdown not available.
