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Valley National Bancorp (VLY) investor relations material
Valley National Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 reached $163.4 million ($0.28 per diluted share), up from $133.2 million ($0.22) in Q2 2025, marking the highest quarterly profitability since 2022.
Profitability was driven by core deposit growth, NIM expansion, fee income, and disciplined expense control.
Balance sheet strength improved with enhanced funding, liquidity, capital, and concentration metrics.
Strong credit performance as net charge-offs and loan loss provision normalized in line with expectations.
New leadership in commercial and consumer banking appointed in 2025 to accelerate growth and strategic initiatives.
Financial highlights
Core deposits grew by nearly $1 billion in the quarter, with 80% from commercial clients; total deposit balances rose by $450.5 million to $51.2 billion.
Net interest margin expanded for the sixth consecutive quarter to 3.05%, with net interest income up 3% sequentially and 8% year-over-year.
Non-interest income reached $64.9 million, with a 12% CAGR since 2017, driven by stable fee streams.
Adjusted non-interest expenses declined modestly, with an improved efficiency ratio of 53.37%.
Tangible book value per share increased to $9.57, with tangible common equity to tangible assets at 8.79%.
Outlook and guidance
Expect further NIM expansion and 3% sequential net interest income growth in Q4; 2025 gross loan growth revised to ~2%, with net interest income growth at ~8%.
Adjusted non-interest income growth expected at 9–10%; adjusted non-interest expense growth capped at 2%.
Project mid-single-digit loan growth (4%-6%) for 2026, with deposit growth outpacing loans.
Maintain a 15% return on tangible common equity target by late 2027/early 2028.
Tax rate guidance unchanged at 23–24%.
Outlook on CRE credit quality and concentration?
What is the strategy for indirect deposit reduction?
Impact of new leadership on operating model?
When will new hires drive C&I/SMB growth?
Capital deployment: buybacks vs. M&A?
What drives the normalized NIM target?
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Next Valley National Bancorp earnings date
Q4 202522 Jan, 2026
Next Valley National Bancorp earnings date
Q4 202522 Jan, 2026
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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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