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Valley National Bank VLY Q4 2025 Annual earnings

Reported January 29, 2026 · Before market open

Revenue$541.2MBeat by $15.5M
EPS$0.31Beat by $0.02
Revenue estimate$525.8M
EPS estimate$0.29

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$541.2M+14.1%
Net income$195.4M+68.9%
EPS (diluted)$0.33+65.0%

Balance sheet

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Cash & equivalents$1.6B-16.2%
Total debt$463.9M+0.6%
Total equity$7.8B+5.0%
Total assets$64.1B+2.6%

Cash flow

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Operating cash flow$196.6M-49.9%
CapEx$9.1M+42.3%
Free cash flow$187.5M-51.4%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$6.51B+28.7%
Enterprise value$5.39B+48.5%
P/E10.9×-2.4×
P/S3.2×+0.5×

Profitability

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Net margin29.5%+9.0pp
FCF margin16.1%—

Returns & leverage

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Return on equity7.8%+2.5pp
Debt / equity0.1×0.0×

Segments

By product

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Wealth management and trust fees$18.2M+10.9%
Service charges on deposit accounts$17.0M+31.1%

FAQ

When did Valley National Bank report Q4 2025 earnings?
Valley National Bank (VLY) reported Q4 2025 earnings on January 29, 2026 before market open.
What were Valley National Bank's Q4 2025 revenue and EPS?
Valley National Bank reported revenue of $541.2M and eps of $0.31 for Q4 2025.
Did Valley National Bank beat estimates in Q4 2025?
Revenue beat the consensus estimate of $525.8M by $15.5M. EPS beat the consensus estimate of $0.29 by $0.02.
How did Valley National Bank's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 14.0% from $474.6M a year earlier and eps grew 138.5% from $0.13.
Where can I find Valley National Bank's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000714310-26-000003) and the 10-K periodic report (0000714310-26-000017) directly on SEC EDGAR. The filing index links above go to sec.gov.