Valley National Bancorp (NASDAQ:VLY) Releases Quarterly Earnings Results, Beats Expectations By $0.02 EPS

Valley National Bancorp (NASDAQ:VLY) issued its quarterly earnings results on Thursday. The company reported $0.31 earnings per share for the quarter, topping the consensus estimate of $0.29 by $0.02, FiscalAI reports. The firm had revenue of $541.25 million during the quarter, compared to the consensus estimate of $524.31 million. Valley National Bancorp had a return on equity of 6.67% and a net margin of 14.86%.

Here are the key takeaways from Valley National Bancorp’s conference call:

• Valley reported record Q4 2025 earnings with net income of ~$195 million ($0.33/sh) and adjusted net income of $180 million ($0.31/sh), driving an adjusted ROA of 1.14% and materially improved full‑year profitability versus 2024.
• Funding improved materially as core deposits grew nearly $4 billion (9% YoY) — including ~$1.5 billion in Q4 — allowing payoff of ~$500 million of higher‑cost brokered deposits and a 24bp sequential drop in total deposit costs.
• Loan momentum and NII tailwinds — total loans rose ~$800 million in Q4, the pipeline is >$1 billion larger (nearly 70% YoY) driven by C&I and CRE, and management guides to mid‑single‑digit loan growth, 11–13% NII growth and 15–20 bps NIM expansion from 4Q25 to 4Q26.
• Balanced capital deployment — CET1 targeted at 10.5–11%, returned $109 million to shareholders in Q4 (dividends + buybacks), repurchased >6 million shares in 2025 and indicated potential $150–200 million buybacks next year while preserving capital ratios.
• Some items are non‑recurring or seasonal — Q4 fee income was boosted by episodic swap activity and fintech valuation gains that may not repeat, management expects typical Q1 seasonality (fewer days, higher payroll taxes), and 2026 loan loss provision is guided to about $100 million with allowance coverage generally stable.

Valley National Bancorp Price Performance

Shares of Valley National Bancorp stock traded up $0.36 on Thursday, hitting $12.63. The company’s stock had a trading volume of 5,106,807 shares, compared to its average volume of 6,835,479. The company has a market capitalization of $7.04 billion, a P/E ratio of 14.35 and a beta of 1.09. Valley National Bancorp has a 52-week low of $7.48 and a 52-week high of $12.78. The firm has a fifty day moving average price of $11.77 and a 200-day moving average price of $10.82. The company has a quick ratio of 0.97, a current ratio of 0.97 and a debt-to-equity ratio of 0.40.

Institutional Trading of Valley National Bancorp

Several large investors have recently modified their holdings of VLY. CANADA LIFE ASSURANCE Co boosted its holdings in shares of Valley National Bancorp by 0.3% during the third quarter. CANADA LIFE ASSURANCE Co now owns 366,797 shares of the company’s stock worth $3,881,000 after purchasing an additional 1,192 shares during the last quarter. Integrated Wealth Concepts LLC grew its holdings in Valley National Bancorp by 13.2% in the 3rd quarter. Integrated Wealth Concepts LLC now owns 12,567 shares of the company’s stock valued at $133,000 after buying an additional 1,465 shares during the period. Osaic Holdings Inc. increased its stake in shares of Valley National Bancorp by 7.3% during the 2nd quarter. Osaic Holdings Inc. now owns 30,430 shares of the company’s stock valued at $272,000 after acquiring an additional 2,065 shares during the last quarter. EverSource Wealth Advisors LLC lifted its holdings in shares of Valley National Bancorp by 244.7% during the 2nd quarter. EverSource Wealth Advisors LLC now owns 5,884 shares of the company’s stock worth $53,000 after acquiring an additional 4,177 shares during the period. Finally, CIBC Private Wealth Group LLC grew its holdings in Valley National Bancorp by 16.9% in the third quarter. CIBC Private Wealth Group LLC now owns 31,242 shares of the company’s stock valued at $331,000 after purchasing an additional 4,509 shares during the period. 61.00% of the stock is currently owned by institutional investors and hedge funds.

Analyst Ratings Changes

A number of brokerages have weighed in on VLY. Zacks Research lowered Valley National Bancorp from a “strong-buy” rating to a “hold” rating in a report on Tuesday, December 9th. Wall Street Zen upgraded Valley National Bancorp from a “sell” rating to a “hold” rating in a research note on Friday, October 3rd. Weiss Ratings cut Valley National Bancorp from a “buy (b-)” rating to a “hold (c+)” rating in a research report on Thursday, January 15th. Keefe, Bruyette & Woods boosted their target price on shares of Valley National Bancorp from $11.50 to $12.00 and gave the stock a “market perform” rating in a research report on Friday, October 24th. Finally, Royal Bank Of Canada increased their price target on shares of Valley National Bancorp from $11.00 to $13.00 and gave the company an “outperform” rating in a report on Friday, October 10th. One investment analyst has rated the stock with a Strong Buy rating, twelve have issued a Buy rating and three have given a Hold rating to the company. According to data from MarketBeat.com, Valley National Bancorp has a consensus rating of “Moderate Buy” and an average price target of $13.43.

About Valley National Bancorp

Valley National Bancorp (NASDAQ: VLY) is a regional bank holding company headquartered in Wayne, New Jersey, offering a comprehensive suite of commercial and consumer banking products and services. Through its banking subsidiary, Valley National Bank, the company provides deposit accounts, residential and commercial lending, mortgage services, treasury and cash management, foreign exchange and trade finance solutions. Complementary wealth management and insurance offerings round out its financial services platform, catering to individual, small-business and corporate clients.

Tracing its roots to the establishment of Wayne National Bank in 1927, Valley has grown into one of the largest banks in New Jersey by both assets and deposit share.