Valley National Bancorp Reports Record Fourth-Quarter 2025 Earnings
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An update from Valley National Bancorp ( (VLY) ) is now available.
On January 29, 2026, Valley National Bancorp reported record fourth-quarter 2025 earnings, with net income rising to $195.4 million, or $0.33 per diluted share, up from $163.4 million in the third quarter of 2025 and $115.7 million a year earlier, as adjusted earnings and performance ratios also strengthened. The quarter was marked by improved net interest income and a 12-basis-point expansion in net interest margin to 3.17%, driven by strong non-interest-bearing deposit growth, reduced reliance on higher-cost brokered deposits, and a shift toward higher-yielding loans, alongside $863.9 million in loan growth led by commercial real estate and commercial and industrial portfolios. Credit quality metrics showed net charge-offs of $22.6 million and modest increases in non-accrual and past-due loans, while the allowance for credit losses remained stable at about 1.19% of total loans. Non-interest income grew to $76.3 million on higher capital markets, wealth management and other fee activity, offset in part by higher non-interest expenses tied to branding, seasonal and operating costs, tax credit investment amortization, and professional fees. A tax refund benefit and additional tax credit investments reduced the effective tax rate to 11.9%, contributing to stronger returns, with annualized ROA, ROE and ROTCE reaching 1.24%, 10.12% and 14.17%, respectively, and an essentially stable efficiency ratio near 53.5%, underscoring management’s focus on balance sheet growth, profitability and shareholder value.
The most recent analyst rating on (VLY) stock is a Hold with a $13.50 price target. To see the full list of analyst forecasts on Valley National Bancorp stock, see the VLY Stock Forecast page.
Spark’s Take on VLY Stock
According to Spark, TipRanks’ AI Analyst, VLY is a Neutral.
The score is driven primarily by steady financial health and profitability with prudent leverage, supported by constructive technical momentum and reasonable valuation with a solid yield. Earnings-call guidance and trends are encouraging (income and margin improvement), though risks around revenue softness, nonaccrual loan increases, and muted loan growth keep the score below the top tier.
To see Spark’s full report on VLY stock, click here.
More about Valley National Bancorp
Valley National Bancorp, listed on Nasdaq under the ticker VLY, is the holding company for Valley National Bank, a regional U.S. banking institution. The company focuses on providing a broad range of commercial and retail banking services, including commercial real estate and commercial and industrial lending, as well as deposit products such as non-interest-bearing accounts, savings, NOW and money market deposits, and related fee-based services like capital markets, wealth management, trust and tax credit advisory offerings.
Average Trading Volume: 7,338,048
Technical Sentiment Signal: Buy
Current Market Cap: $6.85B
Learn more about VLY stock on TipRanks’ Stock Analysis page.
