---
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"
generated_at: "2026-05-16T06:42:04.225803+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000714310-26-000007
- JSON: https://secwatch.observer/filing/0000714310-26-000007.json
- Plain text: https://secwatch.observer/filing/0000714310-26-000007.txt

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