{"schema_version":"secwatch.filing_event.v1","accession":"0000714310-23-000003","form_type":"8-K","ticker":"VLY","cik":"0000714310","company_name":"VALLEY NATIONAL BANCORP","filed_at":"2023-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.844953+00:00","generated_at":"2026-06-20T08:43:22.131385+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Valley National Q4 net income $177.6M ($0.34 EPS), loans grow 15% annualized","bullets":["Net income $177.6M ($0.34 diluted EPS); adjusted net income $182.9M ($0.35 diluted EPS).","Net interest income (tax-equiv) $467.2M; NIM 3.57%, down 3 bps QoQ.","Total loans up $1.7B to $46.9B (15% annualized growth); deposits up $2.3B to $47.6B.","Provision for credit losses $7.3M; net charge-offs $22.4M largely from one non-performing loan.","Efficiency ratio 49.30%; ROE 11.23%; tangible ROE 16.70%; capital ratios well-capitalized."],"urls":{"canonical":"https://secwatch.observer/filing/0000714310-23-000003","json":"https://secwatch.observer/filing/0000714310-23-000003.json","markdown":"https://secwatch.observer/filing/0000714310-23-000003.md","text":"https://secwatch.observer/filing/0000714310-23-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714310/000071431023000003/0000714310-23-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714310/000071431023000003/vly-20230126.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T08:43:22.131385+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}