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Side-by-side financial comparison of Savers Value Village, Inc. (SVV) 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 $426.9M, roughly 1.3× Savers Value Village, Inc.). VALLEY NATIONAL BANCORP runs the higher net margin — 30.3% vs -3.3%, a 33.6% gap on every dollar of revenue. On growth, VALLEY NATIONAL BANCORP posted the faster year-over-year revenue change (13.0% vs 8.1%). Over the past eight quarters, VALLEY NATIONAL BANCORP's revenue compounded faster (16.0% CAGR vs 4.3%).
Value Village Stores, Inc. was a Midwestern United States chain of retail stores aimed at the discount department-store market. Henry Horney, formerly of F.W. Woolworth Company founded a small, regional chain of discount stores located in the two states of Wisconsin and Illinois that opened in 1961 and operated into 1989. Horney also had a real estate company and often built small shopping malls adjoining the discount stores. The chain had no relation to the Savers Value Village chain of thri...
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.
SVV vs VLY — Head-to-Head
Income Statement — Q3 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $426.9M | $540.4M |
| Net Profit | $-14.0M | $163.9M |
| Gross Margin | — | — |
| Operating Margin | 8.5% | — |
| Net Margin | -3.3% | 30.3% |
| Revenue YoY | 8.1% | 13.0% |
| Net Profit YoY | -164.6% | 54.6% |
| EPS (diluted) | $-0.09 | $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 | — | $464.9M | ||
| Q3 25 | $426.9M | $446.2M | ||
| Q2 25 | $417.2M | $432.4M | ||
| Q1 25 | $370.1M | $420.1M | ||
| Q4 24 | $402.0M | $423.0M | ||
| Q3 24 | $394.8M | $410.5M | ||
| Q2 24 | $386.7M | $401.7M |
| Q1 26 | — | $163.9M | ||
| Q4 25 | — | $195.4M | ||
| Q3 25 | $-14.0M | $163.4M | ||
| Q2 25 | $18.9M | $133.2M | ||
| Q1 25 | $-4.7M | $106.1M | ||
| Q4 24 | $-1.9M | $115.7M | ||
| Q3 24 | $21.7M | $97.9M | ||
| Q2 24 | $9.7M | $70.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 25.6% | — | ||
| Q2 24 | 26.6% | — |
| Q1 26 | — | — | ||
| Q4 25 | — | 47.7% | ||
| Q3 25 | 8.5% | 47.1% | ||
| Q2 25 | 8.2% | 40.0% | ||
| Q1 25 | 2.8% | 33.1% | ||
| Q4 24 | 8.2% | 21.1% | ||
| Q3 24 | 12.3% | 30.9% | ||
| Q2 24 | 8.3% | 23.2% |
| Q1 26 | — | 30.3% | ||
| Q4 25 | — | 42.0% | ||
| Q3 25 | -3.3% | 36.6% | ||
| Q2 25 | 4.5% | 30.8% | ||
| Q1 25 | -1.3% | 25.2% | ||
| Q4 24 | -0.5% | 27.4% | ||
| Q3 24 | 5.5% | 23.8% | ||
| Q2 24 | 2.5% | 17.5% |
| Q1 26 | — | $0.29 | ||
| Q4 25 | — | $0.33 | ||
| Q3 25 | $-0.09 | $0.28 | ||
| Q2 25 | $0.12 | $0.22 | ||
| Q1 25 | $-0.03 | $0.18 | ||
| Q4 24 | $-0.02 | $0.20 | ||
| Q3 24 | $0.13 | $0.18 | ||
| Q2 24 | $0.06 | $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 | $63.5M | — |
| Total DebtLower is stronger | $750.0M | $2.6B |
| Stockholders' EquityBook value | $414.6M | $7.9B |
| Total Assets | $2.0B | $64.5B |
| Debt / EquityLower = less leverage | 1.81× | 0.33× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $63.5M | — | ||
| Q2 25 | $70.5M | — | ||
| Q1 25 | $73.0M | — | ||
| Q4 24 | $150.0M | — | ||
| Q3 24 | $137.7M | — | ||
| Q2 24 | $160.7M | — |
| Q1 26 | — | $2.6B | ||
| Q4 25 | — | — | ||
| Q3 25 | $750.0M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $7.9B | ||
| Q4 25 | — | $7.8B | ||
| Q3 25 | $414.6M | $7.7B | ||
| Q2 25 | $423.5M | $7.6B | ||
| Q1 25 | $413.8M | $7.5B | ||
| Q4 24 | $421.7M | $7.4B | ||
| Q3 24 | $432.9M | $7.0B | ||
| Q2 24 | $419.5M | $6.7B |
| Q1 26 | — | $64.5B | ||
| Q4 25 | — | $64.1B | ||
| Q3 25 | $2.0B | $63.0B | ||
| Q2 25 | $1.9B | $62.7B | ||
| Q1 25 | $1.9B | $61.9B | ||
| Q4 24 | $1.9B | $62.5B | ||
| Q3 24 | $1.9B | $62.1B | ||
| Q2 24 | $1.9B | $62.1B |
| Q1 26 | — | 0.33× | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.81× | — | ||
| 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 | $21.6M | — |
| Free Cash FlowOCF − Capex | $-6.3M | — |
| FCF MarginFCF / Revenue | -1.5% | — |
| Capex IntensityCapex / Revenue | 6.5% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $25.5M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $196.6M | ||
| Q3 25 | $21.6M | $5.2M | ||
| Q2 25 | $54.4M | $159.2M | ||
| Q1 25 | $419.0K | $-17.1M | ||
| Q4 24 | $55.8M | $392.2M | ||
| Q3 24 | $23.9M | $-157.2M | ||
| Q2 24 | $60.4M | $214.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | $187.5M | ||
| Q3 25 | $-6.3M | $2.3M | ||
| Q2 25 | $21.9M | $156.0M | ||
| Q1 25 | $-20.2M | $-20.2M | ||
| Q4 24 | $30.1M | $385.8M | ||
| Q3 24 | $-3.0M | $-160.5M | ||
| Q2 24 | $29.6M | $211.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | 40.3% | ||
| Q3 25 | -1.5% | 0.5% | ||
| Q2 25 | 5.2% | 36.1% | ||
| Q1 25 | -5.4% | -4.8% | ||
| Q4 24 | 7.5% | 91.2% | ||
| Q3 24 | -0.8% | -39.1% | ||
| Q2 24 | 7.6% | 52.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | 2.0% | ||
| Q3 25 | 6.5% | 0.6% | ||
| Q2 25 | 7.8% | 0.7% | ||
| Q1 25 | 5.6% | 0.7% | ||
| Q4 24 | 6.4% | 1.5% | ||
| Q3 24 | 6.8% | 0.8% | ||
| Q2 24 | 8.0% | 0.7% |
| Q1 26 | — | — | ||
| Q4 25 | — | 1.01× | ||
| Q3 25 | — | 0.03× | ||
| Q2 25 | 2.88× | 1.20× | ||
| Q1 25 | — | -0.16× | ||
| Q4 24 | — | 3.39× | ||
| Q3 24 | 1.10× | -1.61× | ||
| Q2 24 | 6.22× | 3.04× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
SVV
| Sales Channel Directly To Consumer | $408.3M | 96% |
| Sales Channel Through Intermediary | $18.6M | 4% |
VLY
Segment breakdown not available.
