{"schema_version":"secwatch.filing_event.v1","accession":"0000714310-25-000153","form_type":"8-K","ticker":"VLY","cik":"0000714310","company_name":"VALLEY NATIONAL BANCORP","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.970117+00:00","generated_at":"2026-05-17T02:36:47.862518+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 Q3 net income $163.4M ($0.28 EPS) vs $97.9M a year ago; NIM expands to 3.05%","bullets":["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)."],"urls":{"canonical":"https://secwatch.observer/filing/0000714310-25-000153","json":"https://secwatch.observer/filing/0000714310-25-000153.json","markdown":"https://secwatch.observer/filing/0000714310-25-000153.md","text":"https://secwatch.observer/filing/0000714310-25-000153.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714310/000071431025000153/0000714310-25-000153-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714310/000071431025000153/vly-20251023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:36:47.862518+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"}