For the quarter ended June 2025, Valley National (VLY Quick QuoteVLY - Free Report) reported revenue of $496.28 million, up 9.3% over the same period last year. EPS came in at $0.23, compared to $0.13 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $493.23 million, representing a surprise of +0.62%. The company delivered an EPS surprise of +4.55%, with the consensus EPS estimate being $0.22.

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:

• Annualized ratio of total net charge-offs to total average loans: 0.3% compared to the 0.2% average estimate based on five analysts.
• Net Interest Margin: 3% versus the five-analyst average estimate of 3%.
• Average Balance - Total interest earning assets: $57.55 billion compared to the $55.83 billion average estimate based on five analysts.
• Efficiency Ratio: 55.2% versus the five-analyst average estimate of 56.8%.
• Net interest income - FTE: $433.68 million compared to the $434.64 million average estimate based on five analysts.
• Total non-interest Income: $62.6 million versus $60.42 million estimated by five analysts on average.
• Insurance commissions: $3.43 million versus $3.94 million estimated by four analysts on average.
• Bank owned life insurance: $6.02 million versus $4.24 million estimated by four analysts on average.
• Wealth management and trust fees: $14.06 million versus $15.34 million estimated by four analysts on average.
• Service charges on deposit accounts: $14.71 million versus the four-analyst average estimate of $13.46 million.
• Fees from loan servicing: $3.67 million versus $3.22 million estimated by three analysts on average.
• Capital markets: $9.77 million versus the two-analyst average estimate of $7.82 million.

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

Shares of Valley National have returned +10.5% over the past month versus the Zacks S&P 500 composite's +5.7% 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.