---
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"
generated_at: "2026-05-17T02:36:47.862518+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000714310-25-000153
- JSON: https://secwatch.observer/filing/0000714310-25-000153.json
- Plain text: https://secwatch.observer/filing/0000714310-25-000153.txt

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