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

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

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 Stock Up 2.9%

VLY traded up $0.36 during trading hours on Thursday, reaching $12.63. 5,106,807 shares of the stock traded hands, compared to its average volume of 6,835,479. Valley National Bancorp has a fifty-two week low of $7.48 and a fifty-two week high of $12.78. The company has a market cap of $7.04 billion, a price-to-earnings ratio of 14.35 and a beta of 1.09. The company has a debt-to-equity ratio of 0.40, a current ratio of 0.97 and a quick ratio of 0.97. The firm’s fifty day simple moving average is $11.77 and its two-hundred day simple moving average is $10.82.

Institutional Trading of Valley National Bancorp

Several large investors have recently modified their holdings of VLY. Danske Bank A S purchased a new stake in shares of Valley National Bancorp during the third quarter worth about $55,000. EverSource Wealth Advisors LLC boosted its holdings in Valley National Bancorp by 244.7% in the second quarter. EverSource Wealth Advisors LLC now owns 5,884 shares of the company’s stock valued at $53,000 after purchasing an additional 4,177 shares during the last quarter. Vident Advisory LLC acquired a new stake in Valley National Bancorp during the 2nd quarter valued at approximately $93,000. Brooklyn Investment Group increased its holdings 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 purchasing an additional 5,301 shares during the last quarter. Finally, Cruiser Capital Advisors LLC purchased a new stake in Valley National Bancorp during the 3rd quarter worth approximately $131,000. 61.00% of the stock is currently owned by institutional investors and hedge funds.

Analysts Set New Price Targets

A number of research firms have recently commented on VLY. Cantor Fitzgerald raised their price objective on Valley National Bancorp from $12.00 to $15.00 and gave the stock an “overweight” rating in a report on Monday, October 27th. UBS Group initiated coverage on shares of Valley National Bancorp in a report on Monday, December 15th. They issued a “buy” rating and a $15.00 price target on the stock. Zacks Research downgraded shares of Valley National Bancorp from a “strong-buy” rating to a “hold” rating in a research note on Tuesday, December 9th. Weiss Ratings downgraded shares of Valley National Bancorp from a “buy (b-)” rating to a “hold (c+)” rating in a research note on Thursday, January 15th. Finally, Barclays reaffirmed a “positive” rating on shares of Valley National Bancorp in a research report on Wednesday, October 8th. One equities research analyst has rated the stock with a Strong Buy rating, twelve have given a Buy rating and three have assigned a Hold rating to the stock. According to data from MarketBeat.com, Valley National Bancorp has an average rating of “Moderate Buy” and a consensus price target of $13.43.

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.