Loading...
•
Dec 31, 2025
Valley National Q4 2025 Earnings Report
Valley National Bancorp reported strong financial results for the fourth quarter of 2025, with significant increases in net income and diluted EPS, driven by robust balance sheet growth and improved profitability.
Key Takeaways
Valley National Bancorp achieved record quarterly earnings in Q4 2025, with net income reaching $195.4 million and diluted EPS at $0.33. This performance was primarily fueled by strong non-interest deposit growth, a decline in higher-cost indirect customer time deposits, and a favorable shift in earning assets towards higher-yielding loans, leading to a notable improvement in net interest margin.
Net income for Q4 2025 increased to $195.4 million, up from $163.4 million in Q3 2025 and $115.7 million in Q4 2024.
Diluted EPS for Q4 2025 was $0.33, compared to $0.28 in Q3 2025 and $0.20 in Q4 2024.
Net interest margin on a tax equivalent basis rose by 12 basis points to 3.17 percent in Q4 2025, primarily due to strong non-interest deposit growth and a reduction in higher-cost deposits.
Total loans increased by $863.9 million, or 7.0 percent annualized, to $50.1 billion at December 31, 2025, driven by growth in commercial real estate and commercial and industrial loans.
Revenue by Segment
Forward Guidance
Valley National Bancorp anticipates continued strong performance in 2026, driven by thoughtful balance sheet growth and consistent core profitability improvement, aiming to create additional value for shareholders.
Positive Outlook
- Ongoing investments in talent, technology, and branding are expected to enhance client experience and strengthen the relationship pipeline.
- Anticipated thoughtful balance sheet growth will contribute to superior performance.
- Consistent core profitability improvement is expected to drive increased shareholder value.
- New owner-occupied loans are expected to continue driving growth within the CRE loan portfolio.
- Relationship-driven small to midsize clients are expected to contribute to increased C&I loans.
Challenges Ahead
- The impact of market interest rates and monetary/fiscal policies, especially with prolonged inflationary pressures, could adversely affect clients and business operations.
- Potential instability in the U.S. financial sector or future bank failures, including deposit runs, could disrupt financial markets and increase expenses.
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
Loading earnings performance data...
Loading earnings reaction data...