Valley National (VLY Quick QuoteVLY - Free Report) reported $496.28 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 9.3%. EPS of $0.24 for the same period compares to $0.13 a year ago.

The reported revenue represents a surprise of +0.62% over the Zacks Consensus Estimate of $493.23 million. With the consensus EPS estimate being $0.22, the EPS surprise was +9.09%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

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