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

Valley National Bancorp (NASDAQ:VLY) released its quarterly earnings results on Thursday. The company reported $0.31 earnings per share for the quarter, topping analysts’ consensus estimates of $0.29 by $0.02, FiscalAI reports. The firm had revenue of $541.25 million during the quarter, compared to analysts’ expectations of $524.31 million. Valley National Bancorp had a return on equity of 7.92% and a net margin of 17.11%.Valley National Bancorp’s quarterly revenue was up 14.1% compared to the same quarter last year. During the same quarter in the prior year, the business earned $0.13 EPS.

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 Down 1.7%

Valley National Bancorp stock opened at $12.46 on Friday. The stock has a market capitalization of $6.95 billion, a PE ratio of 12.34 and a beta of 1.09. Valley National Bancorp has a twelve month low of $7.48 and a twelve month high of $12.97. The company has a 50 day moving average of $11.84 and a 200-day moving average of $10.85. The company has a quick ratio of 0.97, a current ratio of 0.97 and a debt-to-equity ratio of 0.40.

Hedge Funds Weigh In On Valley National Bancorp

A number of large investors have recently modified their holdings of VLY. CIBC Private Wealth Group LLC grew its holdings in Valley National Bancorp by 16.9% during the third quarter. CIBC Private Wealth Group LLC now owns 31,242 shares of the company’s stock worth $331,000 after purchasing an additional 4,509 shares during the period. CIBC Bancorp USA Inc. bought a new stake in shares of Valley National Bancorp during the 3rd quarter valued at $548,000. Danske Bank A S acquired a new stake in Valley National Bancorp during the third quarter worth about $55,000. CANADA LIFE ASSURANCE Co increased its stake in Valley National Bancorp by 0.3% in the third quarter. CANADA LIFE ASSURANCE Co now owns 366,797 shares of the company’s stock valued at $3,881,000 after acquiring an additional 1,192 shares during the last quarter. Finally, Dark Forest Capital Management LP increased its stake in shares of Valley National Bancorp by 369.5% in the 3rd quarter. Dark Forest Capital Management LP now owns 115,721 shares of the company’s stock valued at $1,227,000 after purchasing an additional 91,072 shares during the last quarter. 61.00% of the stock is currently owned by institutional investors and hedge funds.

Analyst Ratings Changes

Several equities research analysts recently weighed in on the stock. Royal Bank Of Canada increased their price objective on shares of Valley National Bancorp from $13.00 to $14.00 and gave the stock an “outperform” rating in a research note on Friday. Cantor Fitzgerald raised their target price on Valley National Bancorp from $12.00 to $15.00 and gave the company an “overweight” rating in a research note on Monday, October 27th. TD Cowen raised their price objective on Valley National Bancorp from $15.00 to $16.00 and gave the stock a “buy” rating in a research note on Friday. Barclays boosted their target price on shares of Valley National Bancorp from $13.00 to $14.00 and gave the company an “equal weight” rating in a research note on Friday. Finally, Weiss Ratings cut shares of Valley National Bancorp from a “buy (b-)” rating to a “hold (c+)” rating in a report on Thursday, January 15th. Two analysts have rated the stock with a Strong Buy rating, eleven have issued a Buy rating and four have assigned a Hold rating to the stock. According to data from MarketBeat, Valley National Bancorp presently has an average rating of “Moderate Buy” and a consensus price target of $14.20.

Key Headlines Impacting Valley National Bancorp

Here are the key news stories impacting Valley National Bancorp this week:

• Positive Sentiment: Q4 results beat consensus: VLY reported record Q4 earnings (EPS $0.31 vs. $0.29 est.) with revenue up ~14% and strength in net interest income, fee income, loans and deposits — a clear operational improvement that supports earnings momentum. VLY Q4 Earnings and Revenues Beat Estimates (Zacks)
• Positive Sentiment: Market commentary and write-ups upgraded tone: a Seeking Alpha piece frames VLY as “poised for growth” after its transformation, which can help investor conviction on longer‑term upside. Valley National Bancorp: Poised For Growth After Transformation (Upgrade)
• Positive Sentiment: Analyst bullishness from some shops: Hovde raised its target to $15 and reaffirmed an outperform view, signaling more upside in some sell‑side models. Hovde Group raises price target to $15 (Finviz)
• Neutral Sentiment: Other analysts raised targets but kept neutral ratings: Barclays lifted its target to $14 (equal weight) and Keefe Bruyette & Woods to $13 (market perform) — supportive but not uniformly bullish, suggesting mixed conviction on near‑term upside. Barclays raises PT to $14; Keefe raises PT to $13 (Benzinga/TickerReport)
• Neutral Sentiment: Full disclosure and details available: the company provided the earnings press release, slide deck and call transcript for deeper due diligence — useful for investors assessing sustainability of the beat. VLY Q4 2025 Press Release / Slide Deck
• Negative Sentiment: Despite the beat and multiple target increases, shares have pulled back intraday — likely profit taking after the post‑earnings run and the presence of neutral/equal‑weight analyst views limiting strong follow‑through. (Higher-than-average volume suggests active repositioning.)

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.