{"schema_version":"secwatch.filing_event.v1","accession":"0000714310-26-000007","form_type":"8-K","ticker":"VLY","cik":"0000714310","company_name":"VALLEY NATIONAL BANCORP","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.528049+00:00","generated_at":"2026-05-16T06:42:04.225803+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Valley National Q4 2025 net income $195M ($0.33 EPS); NIM expands to 3.17%; loans +$864M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000714310-26-000007","json":"https://secwatch.observer/filing/0000714310-26-000007.json","markdown":"https://secwatch.observer/filing/0000714310-26-000007.md","text":"https://secwatch.observer/filing/0000714310-26-000007.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714310/000071431026000007/0000714310-26-000007-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714310/000071431026000007/vly-20260129.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:42:04.225803+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"}