Valley National Q4 2025 net income $195M ($0.33 EPS); NIM expands to 3.17%; loans +$864M

VALLEY NATIONAL BANCORP

2025-FY EPS reported $1.01

Net income $195.4M ($0.33 diluted EPS) vs $163.4M ($0.28) in Q3 2025 and $115.7M ($0.20) in Q4 2024.
Adjusted net income $180.2M ($0.31 adjusted EPS); net interest margin 3.17% +12 bps QoQ.
Loans grew $863.9M to $50.1B; deposits up $1.0B to $52.2B; non-interest bearing deposits +$495.8M.
Allowance for credit losses $596.1M (1.19% of loans); net charge-offs $22.6M vs $14.6M prior Q.
Repurchased 4.3M shares at avg $10.93; return on tangible common equity 14.17% annualized.

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