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Valley National (VLY)
:VLY
Earnings Data
Report Date
Oct 23, 2025Before Open (Confirmed)
Period Ending
2025 (Q3)Consensus EPS Forecast
0.26Last Year’s EPS
0.18Same Quarter Last Year
Moderate Buy
Based on 13 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call highlights significant growth in net income, deposits, and noninterest income, along with improved efficiency and strategic diversification in loans. However, the adjustment in loan growth guidance and the temporary increase in accruing past dues provide some cautionary notes.Company Guidance
Strong Net Income Growth
Reported net income of $133 million or $0.22 per diluted share, and adjusted net income of $134 million or $0.23 per share, compared to $106 million and $0.18 per share in the previous quarter.
Deposit Growth and Cost Reduction
Added over 105,000 new deposit accounts, contributing to approximately 8% core deposit growth, alongside a 51 basis point reduction in average cost of deposits for Q2 2025 compared to Q2 2024.
Commercial Loan Diversification
C&I portfolio grew at a 19% compound annual rate since 2017, with nearly 15% growth over the last 12 months. Targeted growth in health care and fund finance verticals, with no losses in health care C&I loans over 20 years.
Noninterest Income Growth
Noninterest income grew at a 12% annual rate since 2017. Focus on capital markets, treasury management, and tax credit advisory contributed to more stable revenue streams.
Improved Efficiency Ratio
Efficiency ratio improved to 55.2%, the best level since Q1 2023, driven by strong revenue growth and continued cost discipline.
VLY Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
VLY Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jul 24, 2025 | $9.60 | $9.43 | -1.77% |
Apr 24, 2025 | $8.44 | $8.53 | +1.07% |
Jan 23, 2025 | $9.46 | $9.44 | -0.21% |
Oct 24, 2024 | $8.71 | $9.16 | +5.17% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Valley National (VLY) report earnings?
Valley National (VLY) is schdueled to report earning on Oct 23, 2025, Before Open (Confirmed).
What is Valley National (VLY) earnings time?
Valley National (VLY) earnings time is at Oct 23, 2025, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is VLY EPS forecast?
VLY EPS forecast for the fiscal quarter 2025 (Q3) is 0.26.