Valley National (VLY) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates

For the quarter ended September 2025, Valley National (VLY) reported revenue of $512.36 million, up 8.4% over the same period last year. EPS came in at $0.28, compared to $0.18 in the year-ago quarter.

The reported revenue represents a surprise of -0.31% over the Zacks Consensus Estimate of $513.93 million. With the consensus EPS estimate being $0.26, the EPS surprise was +7.69%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Valley National performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency Ratio: 53.4% compared to the 55% average estimate based on five analysts.
• Net Interest Margin: 3% versus 3.1% estimated by five analysts on average.
• Annualized ratio of total net charge-offs to total average loans: 0.1% versus 0.2% estimated by four analysts on average.
• Average Balance - Total interest earning assets: $58.62 billion versus $58.44 billion estimated by three analysts on average.
• Total non-interest Income: $64.89 million versus $62.21 million estimated by five analysts on average.
• Net interest income - FTE: $447.47 million compared to the $450.23 million average estimate based on four analysts.
• Bank owned life insurance: $4.66 million compared to the $4.48 million average estimate based on three analysts.
• Gains on sales of loans, net: $0.74 million versus $2.24 million estimated by three analysts on average.
• Insurance commissions: $2.91 million versus the three-analyst average estimate of $3.21 million.
• Wealth management and trust fees: $16.13 million compared to the $15.09 million average estimate based on three analysts.
• Service charges on deposit accounts: $16.76 million compared to the $13.97 million average estimate based on three analysts.
• Net Interest Income: $446.22 million versus $449.53 million estimated by two analysts on average.

View all Key Company Metrics for Valley National here>>>

Shares of Valley National have returned -5.9% over the past month versus the Zacks S&P 500 composite's +0.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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