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AI brief of an SEC Form 8-K · Valley Bank (VLY)

Valley Q1 net income $106.1 million, $0.18 per share, up from $96.3 million a year ago

Mixed Impact 3 of 5 earnings Written later

Valley reported first quarter 2025 net income of $106.1 million, or $0.18 per diluted share, up from $96.3 million a year earlier but down from $115.7 million, or $0.20 per share, in the fourth quarter of 2024. Per-share earnings were flat year over year, and the CEO said lower credit provisions and a better funding base helped the quarter. The filing also furnishes investor presentation materials for the first quarter 2025 investor conference.

Key points

  • Net income was $106.1 million, or $0.18 per diluted share, versus $115.7 million, or $0.20, in Q4 2024 and $96.3 million, or $0.18, in Q1 2024.
  • Net interest margin on a tax equivalent basis rose to 2.96% from 2.92% in Q4 2024.
  • Provision for credit losses was $62.7 million, down from $107.0 million in Q4 2024; net loan charge-offs were $41.9 million.
  • Total loans fell $142.6 million to $48.7 billion and total deposits fell $110.0 million to $50.0 billion from December 31, 2024.

The filing

CompanyValley Bank (VLY)
Form8-K, current report
Filed with the SECApr 24, 2025, 8:04 AM ET
Accession number0000714310-25-000092

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI (Anthropic Claude, claude-haiku-5-5) on Nov 8, 2026, 12:57 AM ET, from the text of the filing and its press-release exhibits only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on April 24, 2025.

Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.