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Sep 30
Valley National Q3 2025 Earnings Report
Valley National Bancorp reported solid earnings growth driven by higher net interest income and improved efficiency in Q3 2025.
Key Takeaways
Valley National Bancorp delivered strong third-quarter 2025 results, with net income reaching $163.4 million and EPS of $0.28, reflecting higher net interest income, margin expansion, and better operating efficiency. The bank’s profitability improved with an ROA of 1.04% and ROE of 8.58%, while credit quality and capital ratios remained robust.
Net income increased to $163.4 million, up from $97.9 million a year ago.
Diluted EPS rose to $0.28, matching adjusted EPS, signaling stable underlying profitability.
Net interest margin improved to 3.05%, supported by higher yields on new loan originations.
Efficiency ratio improved to 53.37%, reflecting effective cost management.
Valley National
Valley National
Valley National Revenue by Segment
Valley National Revenue by Geographic Location
Revenue by Segment
Commercial & Industrial Loans Revenue
CapyFin.comCommercial Real Estate Loans Revenue
CapyFin.comResidential Mortgage Loans Revenue
CapyFin.comConsumer Loans Revenue
CapyFin.comRevenue by Geographic Location
New Jersey Revenue
CapyFin.comNew York Revenue
CapyFin.comFlorida Revenue
CapyFin.comOther States Revenue
CapyFin.com Forward Guidance
Valley National Bancorp expects continued improvement in profitability and efficiency through the remainder of 2025, supported by balance sheet discipline, cost optimization, and stable credit quality.
Positive Outlook
- Profitability momentum continues with higher net interest income.
- Improving efficiency ratio supports margin expansion.
- Credit quality trends remain stable with low charge-offs.
- Capital ratios remain well above regulatory requirements.
- Strategic initiatives expected to drive sustained growth in 2026.
Challenges Ahead
- Slight decline in total loan balances due to targeted runoff in commercial portfolios.
- Higher professional and legal fees impacted non-interest expenses.
- Non-accrual loans increased due to specific CRE exposures.
- Deposit mix shifts toward higher-cost accounts.
- Moderate increase in credit loss provisions due to economic outlook adjustments.