---
schema_version: "secwatch.filing_event.v1"
accession: "0000714310-25-000092"
form_type: "8-K"
ticker: "VLY"
cik: "0000714310"
company_name: "VALLEY NATIONAL BANCORP"
filed_at: "2025-04-24T23:59:59+00:00"
generated_at: "2026-05-23T07:30:56.330323+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Valley National Q1 net income $106.1M ($0.18 EPS); credit quality improves, NIM expands to 2.96%

## Summary
- Net income $106.1M, diluted EPS $0.18 (flat YoY, down from $0.20 in Q4 2024).
- Net interest margin (tax-equivalent) 2.96%, +4bps QoQ; net interest income $421.4M.
- Provision for credit losses $62.7M vs $107.0M in Q4 2024; net charge-offs $41.9M (down from $98.3M).
- Non-accrual loans fell to $346.5M (0.71% of total loans); accruing past-due loans halved to $51.7M.
- Core deposits grew: non-interest bearing up $199.9M; brokered deposits down $726.5M to $6.3B.

## SEC filing metadata
- accession: 0000714310-25-000092
- form_type: 8-K
- ticker: VLY
- cik: 0000714310
- company_name: VALLEY NATIONAL BANCORP
- filed_at: 2025-04-24T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/714310/000071431025000092/0000714310-25-000092-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714310/000071431025000092/vly-20250424.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000714310-25-000092
- JSON: https://secwatch.observer/filing/0000714310-25-000092.json
- Plain text: https://secwatch.observer/filing/0000714310-25-000092.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.