Valley National Bancorp reports strong net income growth, significant deposit account additions, and impressive commercial loan diversification, particularly in the health care and fund finance sectors. Noninterest income is growing robustly, and the efficiency ratio has improved markedly. However, loan growth is expected to moderate, and there are concerns about increased accruing past dues and ongoing CRE concentration challenges.

Company Guidance -

Q3 2025

During the Q2 2025 earnings call, Valley National Bancorp provided several key metrics and guidance updates. The company reported a net income of $133 million, or $0.22 per diluted share, and an adjusted net income of $134 million, or $0.23 per share, reflecting growth from the previous quarter's $106 million and $0.18 respectively. Deposit growth was a highlight, with over 105,000 new deposit accounts contributing to an 8% growth in core deposits over the past year, while the average cost of deposits decreased by 51 basis points compared to the previous year. Commercial loan diversification was emphasized, with the C&I portfolio growing by 19% annually since 2017, including nearly 15% growth over the last 12 months. The company maintained its full-year guidance with expectations of approximately 3% loan growth, net interest income growth between 8% to 10%, and noninterest income growth of 6% to 10%. Furthermore, noninterest expense growth guidance was lowered to a range of 2% to 4%. The credit outlook was refined with net charge-off expectations tightened to $100 million to $125 million for the year, and a provision estimate of approximately $150 million. The guidance indicates a focus on sustained profitability, with Valley National Bancorp remaining on track to meet its full-year targets outlined in January.

Strong Net Income Growth

Valley National Bancorp reported net income of $133 million, or $0.22 per diluted share, and adjusted net income of $134 million, or $0.23 per share, up from $106 million and $0.18 per share in the previous quarter.

Significant Deposit Growth

The company added over 105,000 new deposit accounts over the past 12 months, contributing to approximately 8% core deposit growth, alongside a 51 basis point reduction in average cost of deposits.

Impressive Commercial Loan Diversification

Valley's C&I portfolio grew at a 19% compound annual rate since 2017, with nearly 15% growth over the last 12 months, notably in the health care and fund finance sectors.

Robust Noninterest Income Growth

Noninterest income grew at a 12% annual rate since 2017, focusing on scalable, client-centric businesses like capital markets, treasury management, and tax credit advisory.

Improved Efficiency Ratio

The efficiency ratio improved to 55.2%, marking the best level since Q1 2023, due to 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

Daily Earnings Calendar >

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 Bancorp (VLY) report earnings?

Valley National Bancorp (VLY) is schdueled to report earning on Oct 23, 2025, Before Open (Confirmed).

What is Valley National Bancorp (VLY) earnings time?

Valley National Bancorp (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.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing