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Valley National Bancorp (VLY)
NASDAQ:VLY
Earnings Data
Report Date
Apr 23, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.28Last Year’s EPS
0.18Same Quarter Last Year
Strong Buy
Based on 9 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized strong operating momentum: record earnings, meaningful core deposit growth, expanding margins, improving credit metrics, and disciplined capital returns. Management provided constructive 2026 guidance (NII +11–13%, mid-single-digit loan growth, expense control, and margin expansion of 15–20 bps) while acknowledging near-term seasonality, some episodic revenue items in 4Q, a few idiosyncratic credits, and sensitivity to the interest-rate path and competitive spreads. Overall, positives (profitability, funding improvement, loan pipeline, credit improvement, capital returns) materially outweigh the manageable near-term and idiosyncratic risks.Company Guidance
Record Profitability and Strong Yearly Earnings
Reported net income of ~$195,000,000 in 4Q25 ($0.33 diluted EPS) and adjusted net income of $180,000,000 ($0.31 vs $0.28 prior year). Full-year 2025 net income was $598,000,000 (or $585,000,000 adjusted), reflecting material improvement versus 2024.
Improved Profitability Metrics and Margin Expansion
Adjusted return on average assets of 1.14% (highest since 2022). Net interest margin expanded to 3.17% in 4Q25 (above the 3.1% target), with net interest income up 4% quarter-over-quarter and 10% year-over-year. Management expects an additional 15–20 bps of NIM expansion from 4Q25 to 4Q26 and NII growth of 11–13% in 2026.
Core Deposit Growth and Funding Improvement
Core deposits grew nearly $4,000,000,000 year-over-year (≈9%) and rose about $1,500,000,000 in the quarter, enabling payoff of nearly $500,000,000 of maturing higher-cost brokered deposits. Noninterest deposits grew over 15% on an annualized basis; total deposit costs declined 24 bps sequentially.
Loan Growth and Robust Pipeline
Total loans grew roughly $800,000,000 (≈7% annualized) in the quarter. Immediate and late-stage loan pipelines increased by over $1,000,000,000 (nearly 70% YoY), driven by ~$600,000,000 increase in C&I and ~$700,000,000 increase in CRE. Management guides to mid-single-digit loan growth in 2026 with ~10% C&I growth.
Improving Credit Metrics
Quarterly net charge-offs were 18 bps of average loans; full-year 2025 net charge-offs were 24 bps vs 40 bps in 2024. Criticized and classified loans declined over $350,000,000 (≈8%) during the quarter, and management expects further normalization of credit costs in 2026.
Revenue Diversification and Fee Income Momentum
Noninterest income grew ~18% sequentially in 4Q25, with strong momentum from deposit service charges and wealth management. Management expects high single-digit fee income growth in 2026 (while noting some episodic items contributed to 4Q).
Disciplined Expense and Capital Deployment
Full-year operating expenses increased just 2.6% in 2025 versus 9% revenue growth; management expects low single-digit expense growth in 2026 and an efficiency ratio moving toward ~50%. Tangible book value rose nearly 3% in the quarter. The company repurchased 6,000,000 shares in 2025 (>$60,000,000 spent) and returned $109,000,000 of $188,000,000 4Q earnings to shareholders via dividends and buybacks.
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 |
|---|---|---|---|
Jan 29, 2026 | $12.27 | $12.67 | +3.26% |
Oct 23, 2025 | $10.04 | $10.46 | +4.24% |
Jul 24, 2025 | $9.51 | $9.35 | -1.76% |
Apr 24, 2025 | $8.36 | $8.46 | +1.16% |
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 Bancorp (VLY) report earnings?
Valley National Bancorp (VLY) is schdueled to report earning on Apr 23, 2026, Before Open (Confirmed).
What is Valley National Bancorp (VLY) earnings time?
Valley National Bancorp (VLY) earnings time is at Apr 23, 2026, 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 2026 (Q1) is 0.28.