For the quarter ended September 2026, Valley National (VLY Quick QuoteVLY - Free Report) reported revenue of $585.49 million, up 14.3% over the same period last year. EPS came in at $0.36, compared to $0.28 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $577.6 million, representing a surprise of +1.37%. The company delivered an EPS surprise of +9.09%, with the consensus EPS estimate being $0.33.

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:

• Efficiency Ratio: 49.4% versus the five-analyst average estimate of 52.4%.
• Net Interest Margin: 3.3% versus the five-analyst average estimate of 3.3%.
• Annualized ratio of total net charge-offs to total average loans: 0.3% versus the five-analyst average estimate of 0.2%.
• Average Balance - Total interest earning assets: $61.83 billion versus $61.99 billion estimated by five analysts on average.
• Total non-accrual loans: $511.39 million versus the three-analyst average estimate of $461.4 million.
• Total Non-performing Assets: $513.79 million versus the three-analyst average estimate of $466.23 million.
• Tier 1 risk-based capital ratio: 11.4% compared to the 11.4% average estimate based on two analysts.
• Total risk-based capital ratio: 13.7% compared to the 13.8% average estimate based on two analysts.
• Total non-interest Income: $78.7 million compared to the $72.03 million average estimate based on five analysts.
• Service charges on deposit accounts: $19.16 million versus $19.01 million estimated by four analysts on average.
• Insurance commissions: $3.02 million compared to the $3.3 million average estimate based on four analysts.
• Gains on sales of loans, net: $1.25 million compared to the $1.82 million average estimate based on four analysts.

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

Shares of Valley National have returned +1.2% over the past month versus the Zacks S&P 500 composite's no 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.