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Valley National Bank VLY Q3 2025 earnings

Reported October 23, 2025 · Before market open

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

Next report

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

Financials

Q3 2025

Income statement

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

Balance sheet

See full
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

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

Valuation & ratios

Valuation

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

Profitability

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

Returns & leverage

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

Segments

By product

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

Versus estimates

Revenue

Q2 2026$560.7MBeat by $3.6MQ1 2026$540.4MBeat by $7.3MQ4 2025$541.2MBeat by $15.5M
Q3 2025$511.1MIn line
Q2 2025$495.0MMiss by $16.7MQ1 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 $0.02
Q3 2025$0.28Beat by $0.02
Q2 2025$0.23Beat by $0.01Q1 2025$0.18Miss by $0.01

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Questions, answered.

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 diluted 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 diluted EPS grew 55.6% from $0.18.
Where can I find Valley National Bank's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0000714310-25-000157) directly on SEC EDGAR. The filing index links above go to sec.gov.