secwatch.observer — SEC 8-K summary
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Issuer:     VALLEY NATIONAL BANCORP (VLY)
CIK:        0000714310
Form:       8-K
Filed at:   2026-01-29T23:59:59+00:00
Accession:  0000714310-26-000007
Event type: earnings
Sentiment:  positive
Materiality: 0.85
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/714310/000071431026000007/0000714310-26-000007-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/714310/000071431026000007/vly-20260129.htm
  HTML page:      https://secwatch.observer/filing/0000714310-26-000007

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