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Valley National Bank VLY Q2 2025 earnings

Reported July 24, 2025 · Before market open

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

Next report

Oct 22, 2026 (in a month)
Revenue estimate$578.2M
EPS estimate$0.33

Financials

Q2 2025

Income statement

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

Balance sheet

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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

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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

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

Segments

By product

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

FAQ

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 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 eps grew 76.9% from $0.13.
Where can I find Valley National Bank's Q2 2025 SEC filings?
You can read the 8-K earnings release (0000714310-25-000137) and the 10-Q periodic report (0000714310-25-000147) directly on SEC EDGAR. The filing index links above go to sec.gov.