Valley National (VLY) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

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Valley National (VLY) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

Valley National (VLY) reported $542.48 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 14.1%. EPS of $0.31 for the same period compares to $0.13 a year ago.

The reported revenue represents a surprise of +3.39% over the Zacks Consensus Estimate of $524.69 million. With the consensus EPS estimate being $0.29, the EPS surprise was +8.13%.

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.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

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: Annualized ratio of total net charge-offs to total average loans: 0.2% versus 0.1% estimated by four analysts on average. Net Interest Margin: 3.2% versus 3.1% estimated by four analysts on average. Efficiency Ratio: 53.5% compared to the 53.6% average estimate based on four analysts. Average Balance - Total interest earning assets: $58.76 billion versus the three-analyst average estimate of $59.05 billion. Total non-interest Income: $76.34 million versus $64.19 million estimated by four analysts on average. Insurance commissions: $3.63 million versus $3.27 million estimated by three analysts on average. Gains on sales of loans, net: $1.94 million versus $1.35 million estimated by three analysts on average. Bank owned life insurance: $4.6 million versus $4.6 million estimated by three analysts on average. Net interest income - FTE: $466.14 million versus the three-analyst average estimate of $461.6 million. Wealth management and trust fees: $18.22 million compared to the $16.63 million average estimate based on three analysts. Service charges on deposit accounts: $17.03 million versus the three-analyst average estimate of $16.23 million. Net Interest Income: $464.91 million compared to the $461.3 million average estimate based on two analysts.

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

Shares of Valley National have returned +5.1% over the past month versus the Zacks S&P 500 composite's +0.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with 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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