Valley National Q3 net income $163.4M ($0.28 EPS) vs $97.9M a year ago; NIM expands to 3.05%

VALLEY NATIONAL BANCORP

2025-Q3 EPS reported $0.68

Adjusted EPS $0.28, up from $0.22 in Q2 and $0.18 in Q3 2024; net interest income $447.5M (+$35.7M YoY).
Deposits rose $450.5M to $51.2B; total loans fell $118.6M to $49.3B, led by targeted CRE runoff.
Provision for credit losses $19.2M, down from $37.8M in Q2; net charge-offs $14.6M vs $37.8M prior quarter.
Efficiency ratio improved to 53.37% from 55.20%; annualized ROA 1.04%, ROE 8.58%.
Repurchased 1.3M shares at avg $9.38 in Q3; CET1 ratio 11.00% (up from 10.85% in Q2).

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