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

During the Q2 2025 earnings call for Valley National Bancorp, the company provided guidance on various financial metrics for the full year. They expect approximately 3% loan growth for 2025, with net interest income growth adjusted to a range of 8% to 10%. Noninterest income is anticipated to grow between 6% to 10%, while noninterest expense growth is reduced to a range of 2% to 4%. Credit guidance was refined with net charge-off expectations set between $100 million and $125 million, and a provision estimate of approximately $150 million. The company also reported strong net interest income growth for the quarter, supported by a 51% cumulative deposit beta during the recent rate decrease cycle. Their strategic focus remains on deposit growth, commercial loan diversification, and building durable fee income, with an emphasis on specialty verticals like health care and fund finance. The bank also highlighted their efforts in improving asset quality, with a stabilization in nonaccrual loans and a decrease in the CRE concentration ratio. Overall, Valley National Bancorp aims to achieve a 1% return on average assets by the end of the year, with a pathway toward a 15% return on tangible shareholders' equity in the coming years.

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.

Valley National Bancorp (VLY) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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VLY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	0.26 / -	0.18	―	―	―
Jul 24, 2025	2025 (Q2)	0.22 / 0.23	0.13	76.92% (+0.10)
Apr 24, 2025	2025 (Q1)	0.19 / 0.18	0.19	-5.26% (-0.01)
Jan 23, 2025	2024 (Q4)	0.14 / 0.13	0.22	-40.91% (-0.09)
Oct 24, 2024	2024 (Q3)	0.18 / 0.18	0.26	-30.77% (-0.08)
Jul 25, 2024	2024 (Q2)	0.19 / 0.13	0.28	-53.57% (-0.15)
Apr 25, 2024	2024 (Q1)	0.20 / 0.19	0.3	-36.67% (-0.11)
Jan 25, 2024	2023 (Q4)	0.25 / 0.22	0.35	-37.14% (-0.13)
Oct 26, 2023	2023 (Q3)	0.26 / 0.26	0.35	-25.71% (-0.09)
Jul 27, 2023	2023 (Q2)	0.29 / 0.28	0.32	-12.50% (-0.04)

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	$9.70	$9.53	-1.75%
Apr 24, 2025	$8.52	$8.62	+1.17%
Jan 23, 2025	$9.55	$9.54	-0.10%
Oct 24, 2024	$8.80	$9.26	+5.23%

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.

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