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Investor Relations14 Oct 2025
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Valley National Bancorp (VLY) investor relations material
Valley National Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $133M ($0.22/share), with adjusted net income of $134M ($0.23/share), up from $70M–$71M in Q2 2024, driven by higher net interest and non-interest income and lower loan loss provision.
Adjusted net income and EPS rose sharply year-over-year, with strong pre-provision net revenue growth and improved profitability ratios.
Strategic focus on deposit growth, commercial loan diversification, and building durable fee income has transformed the business model.
Commercial loan growth and balance sheet strength continued, with a focus on low-cost deposit growth.
The company operates 230 branches across several states, with a diversified geographic footprint.
Financial highlights
Net interest income rose $30.7M year-over-year and 3% sequentially, marking the fifth consecutive quarter of NIM improvement to 3.01%.
Core customer deposits grew by $600M–$759M in Q2, with total deposits reaching $50.7B at June 30, 2025.
Non-interest income grew strongly, led by capital markets, FX, and syndication fees; annualized at $242M YTD, with a 12% CAGR since 2017.
Efficiency ratio improved to 55.2% for Q2 2025, the best since Q1 2023 and up from 59.6% in Q2 2024.
Non-interest expense increased modestly, mainly from higher salaries and professional fees.
Outlook and guidance
2025 loan growth expected at ~3%, at the lower end of prior guidance, reflecting competitive market conditions.
Net interest income growth guidance refined to 8–10% for 2025; non-interest income growth outlook unchanged at 6–10%.
Non-interest expense growth guidance lowered to 2–4% for 2025.
Allowance for credit losses expected to remain between 1.20% and 1.25% of total loans through year-end.
Full-year EPS expected to remain broadly in line with consensus.
Explain the drivers behind C&I loan growth.
Discuss the impact of deposit mix changes.
Detail the CRE loan delinquency trends.
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Next Valley National Bancorp earnings date
Q3 202523 Oct, 2025
Next Valley National Bancorp earnings date
Q3 202523 Oct, 2025
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Frequently asked questions
Valley National Bancorp operates as the holding company for Valley National Bank that provides various commercial, retail, insurance, and wealth management financial services products. The bank accepts non-interest bearing and interest bearing checking and savings accounts; certificates of deposit; commercial loans, such as credit lines and secured commercial lines of credit; marketing loans, real estate term loans, business acquisition loans, equipment loans, residential construction loans, residential mortgage loans, home equity lines of credit, personal lines of credit. The company was incorporated in 1927 and is headquartered in New York, New York.
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