vs
Side-by-side financial comparison of VALLEY NATIONAL BANCORP (VLY) and Westrock Coffee Co (WEST). Click either name above to swap in a different company.
VALLEY NATIONAL BANCORP is the larger business by last-quarter revenue ($540.4M vs $339.5M, roughly 1.6× Westrock Coffee Co). VALLEY NATIONAL BANCORP runs the higher net margin — 30.3% vs -6.6%, a 37.0% gap on every dollar of revenue. On growth, Westrock Coffee Co posted the faster year-over-year revenue change (48.3% vs 13.0%). Over the past eight quarters, Westrock Coffee Co's revenue compounded faster (32.8% CAGR vs 16.0%).
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.
Westrock Coffee Co is a global integrated coffee, tea and functional beverage solutions provider. It sources, roasts, manufactures and distributes coffee products, ready-to-drink beverages and custom formulations for retail, foodservice and commercial clients across North America and other key markets.
VLY vs WEST — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $540.4M | $339.5M |
| Net Profit | $163.9M | $-22.6M |
| Gross Margin | — | 11.5% |
| Operating Margin | — | -2.6% |
| Net Margin | 30.3% | -6.6% |
| Revenue YoY | 13.0% | 48.3% |
| Net Profit YoY | 54.6% | 8.3% |
| EPS (diluted) | $0.29 | $-0.22 |
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 | $339.5M | ||
| Q3 25 | $446.2M | $354.8M | ||
| Q2 25 | $432.4M | $280.9M | ||
| Q1 25 | $420.1M | $213.8M | ||
| Q4 24 | $423.0M | $229.0M | ||
| Q3 24 | $410.5M | $220.9M | ||
| Q2 24 | $401.7M | $208.4M |
| Q1 26 | $163.9M | — | ||
| Q4 25 | $195.4M | $-22.6M | ||
| Q3 25 | $163.4M | $-19.1M | ||
| Q2 25 | $133.2M | $-21.6M | ||
| Q1 25 | $106.1M | $-27.2M | ||
| Q4 24 | $115.7M | $-24.6M | ||
| Q3 24 | $97.9M | $-14.3M | ||
| Q2 24 | $70.4M | $-17.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | 11.5% | ||
| Q3 25 | — | 11.7% | ||
| Q2 25 | — | 14.7% | ||
| Q1 25 | — | 13.6% | ||
| Q4 24 | — | 16.6% | ||
| Q3 24 | — | 16.8% | ||
| Q2 24 | — | 19.9% |
| Q1 26 | — | — | ||
| Q4 25 | 47.7% | -2.6% | ||
| Q3 25 | 47.1% | -2.4% | ||
| Q2 25 | 40.0% | -5.3% | ||
| Q1 25 | 33.1% | -6.1% | ||
| Q4 24 | 21.1% | -4.3% | ||
| Q3 24 | 30.9% | -5.8% | ||
| Q2 24 | 23.2% | -7.9% |
| Q1 26 | 30.3% | — | ||
| Q4 25 | 42.0% | -6.6% | ||
| Q3 25 | 36.6% | -5.4% | ||
| Q2 25 | 30.8% | -7.7% | ||
| Q1 25 | 25.2% | -12.7% | ||
| Q4 24 | 27.4% | -10.7% | ||
| Q3 24 | 23.8% | -6.5% | ||
| Q2 24 | 17.5% | -8.5% |
| Q1 26 | $0.29 | — | ||
| Q4 25 | $0.33 | $-0.22 | ||
| Q3 25 | $0.28 | $-0.20 | ||
| Q2 25 | $0.22 | $-0.23 | ||
| Q1 25 | $0.18 | $-0.29 | ||
| Q4 24 | $0.20 | $-0.26 | ||
| Q3 24 | $0.18 | $-0.16 | ||
| Q2 24 | $0.13 | $-0.20 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $49.9M |
| Total DebtLower is stronger | $2.6B | $444.1M |
| Stockholders' EquityBook value | $7.9B | $-1.9M |
| Total Assets | $64.5B | $1.2B |
| Debt / EquityLower = less leverage | 0.33× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $49.9M | ||
| Q3 25 | — | $34.0M | ||
| Q2 25 | — | $44.0M | ||
| Q1 25 | — | $33.1M | ||
| Q4 24 | — | $26.2M | ||
| Q3 24 | — | $22.4M | ||
| Q2 24 | — | $24.3M |
| Q1 26 | $2.6B | — | ||
| Q4 25 | — | $444.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $393.1M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $7.9B | — | ||
| Q4 25 | $7.8B | $-1.9M | ||
| Q3 25 | $7.7B | $11.4M | ||
| Q2 25 | $7.6B | $18.2M | ||
| Q1 25 | $7.5B | $71.4M | ||
| Q4 24 | $7.4B | $97.5M | ||
| Q3 24 | $7.0B | $110.3M | ||
| Q2 24 | $6.7B | $81.5M |
| Q1 26 | $64.5B | — | ||
| Q4 25 | $64.1B | $1.2B | ||
| Q3 25 | $63.0B | $1.2B | ||
| Q2 25 | $62.7B | $1.2B | ||
| Q1 25 | $61.9B | $1.1B | ||
| Q4 24 | $62.5B | $1.1B | ||
| Q3 24 | $62.1B | $1.1B | ||
| Q2 24 | $62.1B | $1.1B |
| Q1 26 | 0.33× | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 4.03× | ||
| 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 | — | $36.7M |
| Free Cash FlowOCF − Capex | — | $27.8M |
| FCF MarginFCF / Revenue | — | 8.2% |
| Capex IntensityCapex / Revenue | — | 2.6% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-107.8M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $196.6M | $36.7M | ||
| Q3 25 | $5.2M | $-26.6M | ||
| Q2 25 | $159.2M | $-7.0M | ||
| Q1 25 | $-17.1M | $-22.1M | ||
| Q4 24 | $392.2M | $2.8M | ||
| Q3 24 | $-157.2M | $-332.0K | ||
| Q2 24 | $214.0M | $-23.7M |
| Q1 26 | — | — | ||
| Q4 25 | $187.5M | $27.8M | ||
| Q3 25 | $2.3M | $-44.7M | ||
| Q2 25 | $156.0M | $-27.5M | ||
| Q1 25 | $-20.2M | $-63.4M | ||
| Q4 24 | $385.8M | $-15.4M | ||
| Q3 24 | $-160.5M | $-36.7M | ||
| Q2 24 | $211.3M | $-59.9M |
| Q1 26 | — | — | ||
| Q4 25 | 40.3% | 8.2% | ||
| Q3 25 | 0.5% | -12.6% | ||
| Q2 25 | 36.1% | -9.8% | ||
| Q1 25 | -4.8% | -29.7% | ||
| Q4 24 | 91.2% | -6.7% | ||
| Q3 24 | -39.1% | -16.6% | ||
| Q2 24 | 52.6% | -28.7% |
| Q1 26 | — | — | ||
| Q4 25 | 2.0% | 2.6% | ||
| Q3 25 | 0.6% | 5.1% | ||
| Q2 25 | 0.7% | 7.3% | ||
| Q1 25 | 0.7% | 19.3% | ||
| Q4 24 | 1.5% | 7.9% | ||
| Q3 24 | 0.8% | 16.5% | ||
| Q2 24 | 0.7% | 17.4% |
| Q1 26 | — | — | ||
| Q4 25 | 1.01× | — | ||
| Q3 25 | 0.03× | — | ||
| Q2 25 | 1.20× | — | ||
| Q1 25 | -0.16× | — | ||
| Q4 24 | 3.39× | — | ||
| Q3 24 | -1.61× | — | ||
| Q2 24 | 3.04× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
VLY
Segment breakdown not available.
WEST
| Coffee And Tea | $202.6M | 60% |
| Flavors Extracts And Ingredients | $69.6M | 21% |
| Sustainable Sourcing And Traceability Segments | $66.9M | 20% |
