Valley National Bancorp (NASDAQ:VLY) Posts Earnings Results

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

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 NASDAQ:VLY traded up $0.37 on Thursday, hitting $12.64. The stock had a trading volume of 7,207,979 shares, compared to its average volume of 7,057,740. The firm’s 50 day moving average price is $11.77 and its 200-day moving average price is $10.82. The company has a debt-to-equity ratio of 0.40, a quick ratio of 0.97 and a current ratio of 0.97. Valley National Bancorp has a twelve month low of $7.48 and a twelve month high of $12.78. The company has a market capitalization of $7.05 billion, a price-to-earnings ratio of 14.36 and a beta of 1.09.

Wall Street Analyst Weigh In

Several equities research analysts have recently weighed in on VLY shares. Wall Street Zen raised Valley National Bancorp from a “sell” rating to a “hold” rating in a research report on Friday, October 3rd. Zacks Research downgraded shares of Valley National Bancorp from a “strong-buy” rating to a “hold” rating in a report on Tuesday, December 9th. UBS Group assumed coverage on shares of Valley National Bancorp in a research report on Monday, December 15th. They issued a “buy” rating and a $15.00 price target on the stock. Royal Bank Of Canada upped their price objective on shares of Valley National Bancorp from $11.00 to $13.00 and gave the company an “outperform” rating in a research report on Friday, October 10th. Finally, TD Cowen reissued a “buy” rating on shares of Valley National Bancorp in a research report on Monday, October 27th. One investment analyst has rated the stock with a Strong Buy rating, twelve have issued a Buy rating and three have assigned a Hold rating to the company. According to data from MarketBeat, the stock presently has a consensus rating of “Moderate Buy” and a consensus price target of $13.43.

Institutional Inflows and Outflows

Large investors have recently added to or reduced their stakes in the business. EverSource Wealth Advisors LLC increased its stake in shares of Valley National Bancorp by 244.7% in the 2nd quarter. EverSource Wealth Advisors LLC now owns 5,884 shares of the company’s stock valued at $53,000 after acquiring an additional 4,177 shares during the last quarter. Danske Bank A S bought a new position in shares of Valley National Bancorp during the third quarter worth $55,000. Vident Advisory LLC acquired a new position in shares of Valley National Bancorp in the 2nd quarter valued at $93,000. Envestnet Asset Management Inc. bought a new stake in shares of Valley National Bancorp in the 2nd quarter valued at $119,000. Finally, Brooklyn Investment Group raised its stake in Valley National Bancorp by 78.1% during the 3rd quarter. Brooklyn Investment Group now owns 12,085 shares of the company’s stock worth $128,000 after buying an additional 5,301 shares during the period. 61.00% of the stock is currently owned by institutional investors and hedge funds.

Valley National Bancorp Company Profile

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.