VLY
Valley National Bancorp11.91
+0.00+0%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Q&A adds NIM, buyback details
Q&A reinforced strong momentum without walk-backs, detailing NIM's expected Q1 dip from seasonality and late NIB spikes before 15-20bps expansion via balanced repricing. Management quantified $150-200M buybacks for 2026, planning re-authorization, while prioritizing organic growth over M&A unless strategic. Pipelines swelled $300M post-quarter despite $500M closings. Modest loan spread compression baked into guidance amid competition noise. Classifieds to keep falling if economy holds. Confident yet measured; investors watch geo expansion, deposit betas.
Key Stats
Market Cap
6.67BP/E (TTM)
13.53Basic EPS (TTM)
0.88Dividend Yield
0.04%Recent Filings
10-K
FY2025 results
Valley National Bancorp closed FY2025 with $64.1B assets, $49.6B net loans, and $52.2B deposits, up from 2024 amid strategic diversification. Total loans grew 2.7% to $50.1B, led by 10% commercial/industrial expansion to $11.0B, while CRE (58.3% of loans) dipped to 333% concentration from 362% via selective originations and runoff. Net interest income jumped 8% to $1.76B with NIM at 3.05% (derived), fueled by deposit cost cuts amid Fed easing, though Q4 NIM held steady at 3.17% versus Q3's 3.05%. Net income soared to $598M ($1.01 diluted EPS) on lower $117M charge-offs (0.24% of average loans) and provision drop to $140M. CRE office loans weigh on liquidity; economic downturns could stall quarterly momentum.
8-K
Approves 25M share buyback
Valley National Bancorp's board approved a new stock repurchase program for up to 25 million common shares, effective April 27, 2026, replacing the expiring program. It runs through April 27, 2028, with repurchases via open market or Rule 10b5-1 plans, hinging on price and market conditions. No obligation to buy. Flexible execution signals capital return confidence.
8-K
Q4 earnings soar to $195M
Valley National Bancorp posted Q4 2025 net income of $195.4 million, or $0.33 per diluted share, up from $163.4 million last quarter, fueled by net interest income jumping to $466.1 million and NIM expanding to 3.17%. Loans hit $50.1 billion, deposits $52.2 billion, with non-interest-bearing deposits rising $495.8 million while brokered deposits fell. Momentum builds. CRE concentration eased to 333%.
8-K
Vazquez joins Valley board
Valley National Bancorp appointed Carlos Vazquez as an independent director on January 27, 2026, assigning him to the Audit and Compensation and Human Capital Management Committees until the next shareholder meeting. Vazquez brings decades as Popular Inc.'s CFO through 2024 and Federal Home Loan Bank board service. No related arrangements or conflicts disclosed. He joins the non-employee director pay program.
10-Q
Q3 FY2025 results
Valley National Bancorp posted Q3 net income of $163.4M, up 67% y/y, with diluted EPS at $0.28 (reconciles to 564M shares). Net interest income climbed 9% y/y to $446M on lower deposit costs (3.47% vs 4.18%), despite 4% q/q loan dip to $49.3B; NIM hit 3.04% (derived). Provision fell 74% y/y to $19M amid $15M net charge-offs, while ACL/loan coverage held at 1.21%. Deposits swelled 2% q/q to $51.2B, liquid assets $5.7B; long-term debt trimmed to $2.9B post-redemptions. CRE concentration eased to 337% of capital. CRE credit pressures linger.
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