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Valley National Bank VLY Q3 2025 earnings

Reported October 23, 2025 · Before market open

Revenue$511.1MIn line
EPS$0.28Beat by $0.02
Revenue estimate$510.9M
EPS estimate$0.26

Next report

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

Financials

Q3 2025

Income statement

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Revenue$511.1M+8.5%
Net income$163.4M+66.9%
EPS (diluted)$0.28+55.6%

Balance sheet

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Cash & equivalents$1.4B+31.8%
Total debt$51.1M-12.4%
Total equity$7.7B+10.4%
Total assets$63.0B+1.5%

Cash flow

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Operating cash flow$5.2M—
CapEx$2.8M-16.0%
Free cash flow$2.3M—

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$5.93B+28.6%
Enterprise value$4.61B+27.1%
P/E11.4×-2.3×
P/S3×+0.5×

Profitability

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Net margin26.5%+8.1pp
FCF margin26.8%—

Returns & leverage

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Return on equity7.1%+2.1pp
Debt / equity0×0.0×

Segments

By product

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Service charges on deposit accounts$16.8M+30.7%
Wealth management and trust fees$16.1M+6.7%

FAQ

When did Valley National Bank report Q3 2025 earnings?
Valley National Bank (VLY) reported Q3 2025 earnings on October 23, 2025 before market open.
What were Valley National Bank's Q3 2025 revenue and EPS?
Valley National Bank reported revenue of $511.1M and eps of $0.28 for Q3 2025.
Did Valley National Bank beat estimates in Q3 2025?
Revenue beat the consensus estimate of $510.9M by $203.0K. EPS beat the consensus estimate of $0.26 by $0.02.
How did Valley National Bank's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 10.2% from $463.8M a year earlier and eps grew 55.6% from $0.18.
Where can I find Valley National Bank's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000714310-25-000153) and the 10-Q periodic report (0000714310-25-000157) directly on SEC EDGAR. The filing index links above go to sec.gov.