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Valley National Bank VLY Q2 2025 earnings

Reported July 24, 2025 · Before market open

Revenue$495.0MMiss by $16.7MDiluted EPS$0.23Beat by $0.01
Revenue estimate$511.7M
EPS estimate$0.22

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$578.3M
EPS estimate$0.34

Financials

Q2 2025

Income statement

See full
Revenue$495.0M+9.3%
Net income$133.2M+89.1%
EPS (diluted)$0.22+69.2%

Balance sheet

See full
Cash & equivalents$1.2B+17.6%
Total debt$162.2M+154%
Total equity$7.6B+12.4%
Total assets$62.7B+1.0%

Cash flow

See full
Operating cash flow$159.2M-25.6%
CapEx$3.1M+13.4%
Free cash flow$156.0M-26.1%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$5B+40.9%
Enterprise value$3.97B+52.7%
P/E11×+1.7×
P/S2.6×+0.7×

Profitability

See full
Net margin23.6%+2.8pp

Returns & leverage

See full
Return on equity6.3%+0.6pp
Debt / equity0×0.0×

Segments

By product

See full
Service charges on deposit accounts$14.7M+31.2%
Wealth management and trust fees$14.1M+7.0%

Versus estimates

Revenue

Q2 2026$560.7MBeat by $3.6MQ1 2026$540.4MBeat by $7.3MQ4 2025$541.2MBeat by $15.5MQ3 2025$511.1MIn line
Q2 2025$495.0MMiss by $16.7M
Q1 2025$478.4MMiss by $4.9M

Diluted EPS

Q2 2026$0.30Miss by $0.01Q1 2026$0.29Beat by $0.02Q4 2025$0.31Beat by $0.02Q3 2025$0.28Beat by $0.02
Q2 2025$0.23Beat by $0.01
Q1 2025$0.18Miss by $0.01

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Questions, answered.

When did Valley National Bank report Q2 2025 earnings?
Valley National Bank (VLY) reported Q2 2025 earnings on July 24, 2025 before market open.
What were Valley National Bank's Q2 2025 revenue and EPS?
Valley National Bank reported revenue of $495.0M and diluted EPS of $0.23 for Q2 2025.
Did Valley National Bank beat estimates in Q2 2025?
Revenue missed the consensus estimate of $511.7M by $16.7M. EPS beat the consensus estimate of $0.22 by $0.01.
How did Valley National Bank's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 9.3% from $452.9M a year earlier and diluted EPS grew 76.9% from $0.13.
Where can I find Valley National Bank's Q2 2025 SEC filings?
You can read the 10-Q periodic report (0000714310-25-000147) directly on SEC EDGAR. The filing index links above go to sec.gov.