Inferra AI / Company / VLY
Valley National Bancorp
VLY · Financials
Last earnings Oct 22, 2026
Key results
Net incomequarter
$133.2 million
net income of $133.2 million, or $0.22 per diluted common share, and
SEC original ↗Valley National Bancorp — Earnings release (8-K exhibit)EX-99Oct 23, 2025
net income of $97.9 million, or $0.18 per diluted common share, for the third quarter 2024.
SEC original ↗Valley National Bancorp — Earnings release (8-K exhibit)EX-99Oct 23, 2025
Adjusted net incomequarter
$164.1 million
Excluding all non-core income and charges, our adjusted net income (a non-GAAP measure) was $164.1 million, or $0.28 per diluted common share, for the third quarter 2025, $134.4 million, or $0.23 per diluted common share, for the second quarter 2025, and $96.8 million, or $0.18 per diluted common share, for the third quarter 2024.
SEC original ↗Valley National Bancorp — Earnings release (8-K exhibit)EX-99Oct 23, 2025
AI analysis
Q3 2025 · reported Oct 23, 2025
Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held
Headline figures
| Metric | Q3 2025 | Prior qtr | Year ago |
|---|---|---|---|
| Net income | $133.2 million | — | — |
| Adjusted net income | $164.1 million | — | — |
Guidance · company-stated
No guidance located in the held release
“The third quarter 2026 6 Valley National Bancorp (NASDAQ VLY) Third Quarter 2026 Earnings October 22, 2026 provision was mainly impacted by increases in (i) the economic forecast component of our reserve, (ii) non-economic qualitative reserves and (iii) specific reserves associated with certain collateral dependent loans, partially offset by (iv) a decline in quantitative reserves largely within certain CRE loan categories, including construction loans, at September 30, 2026.”
Capital allocation
In addition, other non-interest expense and loss on extinguishment of debt decreased $1.6 million and $922 thousand, respectively, for the third quarter 2025 as compared to the second quarter 2025.
The increase was largely due to a $1.1 billion increase in average interest bearing deposit balances, partially offset by the positive impact of the early redemption of $115 million of subordinated notes on June 15, 2025, lower utilization of short-term FHLB borrowings and the repayment of higher-cost indirect customer deposits throughout the quarter.
Event summary
Ira Robbins, CEO, commented, This quarter s results reflect Valley s strong momentum as our profitability improvement is catching up to the balance sheet strengthening that has occurred since the beginning of 2024
Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
In addition, other non-interest expense and loss on extinguishment of debt decreased $1.6 million and $922 thousand, respectively, for the third quarter 2025 as compared to the second quarter 2025.
SEC original ↗Valley National Bancorp — Earnings release (8-K exhibit)EX-99Oct 23, 2025
The increase was largely due to a $1.1 billion increase in average interest bearing deposit balances, partially offset by the positive impact of the early redemption of $115 million of subordinated notes on June 15, 2025, lower utilization of short-term FHLB borrowings and the repayment of higher-cost indirect customer deposits throughout the quarter.
SEC original ↗Valley National Bancorp — Earnings release (8-K exhibit)EX-99Oct 23, 2025
See the Deposits and Other Borrowings sections below for more details.
SEC original ↗Valley National Bancorp — Earnings release (8-K exhibit)EX-99Oct 23, 2025
Loans, Deposits and Other Borrowings Loans.
SEC original ↗Valley National Bancorp — Earnings release (8-K exhibit)EX-99Oct 23, 2025
Short-term borrowings decreased $111.2 million to $51.1 million at September 30, 2025 from June 30, 2025 largely due to the repayment of $100 million of maturing short-term FHLB advances.
SEC original ↗Valley National Bancorp — Earnings release (8-K exhibit)EX-99Oct 23, 2025
Long-term borrowings totaled $2.9 billion at September 30, 2025 and remained relatively unchanged as compared to June 30, 2025.
SEC original ↗Valley National Bancorp — Earnings release (8-K exhibit)EX-99Oct 23, 2025
Strategy & priorities
New additions to our leadership team have already begun to positively impact our business generation, talent base, and strategic operating model.
SEC original ↗Valley National Bancorp — Earnings release (8-K exhibit)EX-99Oct 23, 2025
Such statements are not historical facts and include expressions about management s confidence and strategies and management s expectations about our business, new and existing programs and products, acquisitions, relationships, opportunities, taxation, technology, market conditions and economic expectations.
SEC original ↗Valley National Bancorp — Earnings release (8-K exhibit)EX-99Oct 23, 2025
Risks & headwinds
Our net interest margin increased due to these same factors, although higher average interest-bearing cash balances were a slight headwind to its growth during the third quarter 2025.
SEC original ↗Valley National Bancorp — Earnings release (8-K exhibit)EX-99Oct 23, 2025
Such forward-looking statements involve certain risks and uncertainties.
SEC original ↗Valley National Bancorp — Earnings release (8-K exhibit)EX-99Oct 23, 2025
federal government and its agencies in connection with prolonged inflationary pressures, which could 7 Valley National Bancorp (NASDAQ VLY) Third Quarter 2025 Earnings October 23, 2025 have a material adverse effect on our clients, our business, our employees, and our ability to provide services to our customers the impact of unfavorable macroeconomic conditions or downturns, including instability or volatility in financial markets resulting from the impact of tariffs and other trade policies and practices, any retaliatory actions, related market uncertainty, or other factors U.
SEC original ↗Valley National Bancorp — Earnings release (8-K exhibit)EX-99Oct 23, 2025
Earnings deck slides
0 decks with slide viewValley National Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Valley National Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Valley National Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Valley National Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Valley National Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Valley National Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Valley National Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
25 documents- Q3 2026
- 8-KVLY
Oct 22, 2026
- Q2 2026
- 8-KVLY
Sep 28, 2026
- 8-KVLY
Aug 25, 2026
- 10-QVLY
- 8-KVLY
Jul 23, 2026
- Q1 2026
- 8-KVLY
May 18, 2026
- 8-KVLY
May 14, 2026
- 10-QVLY
- 8-KVLY
May 7, 2026
- 8-KVLY
Apr 23, 2026
- Q4 2025
- 10-KVLY
Feb 27, 2026
- 8-K/AVLY
Feb 25, 2026
- 8-KVLY
Feb 24, 2026
- 8-KVLY
Jan 29, 2026
- 8-KVLY
Jan 28, 2026
- Q3 2025
- 10-QVLY
- 8-KVLY
Oct 23, 2025
- Q2 2025
- 10-QVLY
- 8-KVLY
Jul 24, 2025
- Q1 2025
- 8-KVLY
May 21, 2025
- 8-KVLY
May 16, 2025
- 10-QVLY
- 8-KVLY
Apr 24, 2025
- Q4 2024
- 8-KVLY
Mar 13, 2025
- 8-KVLY
Mar 3, 2025
Earnings releases
13 documentsPresentations
7 documents
Transcripts
0 documentsNo transcripts for Valley National Bancorp are held in this edition of the library.
Mentioned by
1 companyOther tracked companies whose held documents mention Valley National Bancorp by name or ticker. A mention is counted once per document, from the document text the library holds.
Metropolitan Bank Holding Corp. (MCB)
“gital transformation costs – $3.1 million • Full integration… …CNOB, DCOM, OCFC, PFS and VLY. 2 Cumulative shareholder return (change in stock price plus reinvested dividends), rebased to 100. Skilled Nuring CRE and C&I 40% Other C&I 10% Other Own”
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