{"schema_version":"secwatch.filing_event.v1","accession":"0000714310-23-000131","form_type":"8-K","ticker":"VLY","cik":"0000714310","company_name":"VALLEY NATIONAL BANCORP","filed_at":"2023-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.793320+00:00","generated_at":"2026-06-09T09:08:21.512705+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Valley National Q3 EPS $0.27 flat QoQ, down YoY; NIM 2.91%","bullets":["GAAP net income $141.3M ($0.27 diluted EPS); adjusted EPS $0.26; YoY EPS fell from $0.34.","Net interest income (tax-equiv) $413.7M, down $7.6M QoQ; NIM 2.91% (-3 bps).","Loans grew 1.8% annualized to $50.1B; deposits up $265.5M to $49.9B.","Provision for credit losses $9.1M (Q2: $6.3M); net charge-offs $5.5M (Q2: $8.6M).","Efficiency ratio 56.72% vs 55.59% Q2; CET1 ratio 9.21%; core conversion completed Oct."],"urls":{"canonical":"https://secwatch.observer/filing/0000714310-23-000131","json":"https://secwatch.observer/filing/0000714310-23-000131.json","markdown":"https://secwatch.observer/filing/0000714310-23-000131.md","text":"https://secwatch.observer/filing/0000714310-23-000131.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714310/000071431023000131/0000714310-23-000131-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714310/000071431023000131/vly-20231026.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T09:08:21.512705+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":[{"claim_id":"069c115cd0dd94e1b960e3311d71122632836170","claim":"VALLEY NATIONAL BANCORP reported financial results for third quarter 2023.","evidence_excerpt":"On October 26, 2023 , Valley National Bancorp (“Valley”), issued a press release announcing Valley’s financial results for the third quarter 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/714310/000071431023000131/0000714310-23-000131-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter 2023"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}