Equity Profile

VLY

Valley National Bancorp

FinancialsRegional Banks$8.3B

Jul30Thu

Pre-Earnings Brief

UpcomingQ2-2026Pre-Market9:00 AM EDT

Company Snapshot

Valley National Bancorp (VLY) is a regional bank that provides a range of financial services, including commercial and retail banking, investment management, and mortgage services. As a player in the financial sector, its performance is closely tied to economic conditions, interest rates, and consumer spending trends.

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of the bank's profitability and financial health, which investors will closely watch this quarter.

N/A

Net Interest Margin

This metric reflects the difference between interest income generated and the amount of interest paid out, critical for assessing the bank's profitability.

N/A

1 more metrics, Wall Street expectations, options signals, track record, and call prep available with Pro.

VLY Q2-2026 Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

50%

Avg EPS Surprise

-3.61%

Avg Stock Reaction

+2.37%

Last Quarter Recap

In Q1-2026, Valley National Bancorp reported an EPS of $0.28, matching analyst expectations with a slight positive surprise. The stock reacted positively, gaining 3.92% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Investors are generally optimistic about Valley National's upcoming earnings, especially given its recent performance and the overall stability in the regional banking sector.

Bull Case

If Valley National can report strong loan growth and maintain or improve its net interest margin, it could lead to significant upside in its stock price.

Bear Case

Conversely, if the bank shows signs of declining loan demand or a shrinking net interest margin, it could raise concerns about its profitability and lead to a negative market reaction.

Expectations

Two Questions That Matter

The print will turn on these two things.

What is the expected growth rate in loan demand for the upcoming quarter?

Loan demand is a critical driver of revenue for banks, and any significant changes could impact profitability.

How does Valley National plan to manage its net interest margin in the current interest rate environment?

The net interest margin is vital for the bank's profitability, and insights into management's strategy will be closely scrutinized.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may underestimate Valley National's ability to grow its loan portfolio despite economic headwinds, as regional banks often benefit from localized economic conditions.

Supporting Evidence

The recent positive trends in regional banking suggest a resilient demand for loans.

Valley National's historical performance shows a consistent ability to surprise on the upside.

Key Risk

If loan growth exceeds expectations, it could significantly alter the market's perception of the bank's future prospects.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The core debate this quarter revolves around the bank's ability to sustain growth in a potentially challenging economic environment.

Bull Confirmed If

Loan growth of 10% or more year-over-year, coupled with a stable or increasing net interest margin.

Bear Confirmed If

A decline in loan growth or a net interest margin below 3.5%.

Pre-Earnings Positioning

Options Market

Implied Move

±4.44%

Historical Avg

±2.9%

Pricing rich

The options market is pricing in a potential move of about 4.4%, indicating that traders expect some volatility around the earnings announcement.

Options are pricing ±4.4% while VLY has averaged ±2.9% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.3%

30d HV

25.4%

Calls (5K)P/C Ratio: 0.11Puts (4K)

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Valley National beats expectations, history suggests the stock could rise by around 2.99%, confirming a bullish outlook.

In-Line / Cautious

If results are in line but management provides cautious commentary, the stock may remain flat or see a slight decline.

Miss

A miss could lead to a decline of approximately 1.34%, reflecting investor disappointment.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on loan growth projections for the next quarter.
2Management's commentary on net interest margin strategies.
3Insights into consumer and business lending trends.
4Any changes in credit quality or loan performance metrics.
5Guidance on future economic conditions and their impact on operations.

See the full picture

AI-powered briefs, options data, and 20 quarters of history — everything you need before earnings.

No charge today · Auto-bills $8/mo after 7 days · Cancel anytime

More Earnings This Week

5 Reports

Jul27

DYNBMO

Dyne Therapeutics, Inc.

PreviewView

Jul27

ARLPBMO

Company Snapshot

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of the bank's profitability and financial health, which investors will closely watch this quarter.

N/A

Net Interest Margin

This metric reflects the difference between interest income generated and the amount of interest paid out, critical for assessing the bank's profitability.

N/A

1 more metrics, Wall Street expectations, options signals, track record, and call prep available with Pro.

VLY Q2-2026 Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

50%

Avg EPS Surprise

-3.61%

Avg Stock Reaction

+2.37%

Last Quarter Recap

In Q1-2026, Valley National Bancorp reported an EPS of $0.28, matching analyst expectations with a slight positive surprise. The stock reacted positively, gaining 3.92% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Investors are generally optimistic about Valley National's upcoming earnings, especially given its recent performance and the overall stability in the regional banking sector.

Bull Case

If Valley National can report strong loan growth and maintain or improve its net interest margin, it could lead to significant upside in its stock price.

Bear Case

Conversely, if the bank shows signs of declining loan demand or a shrinking net interest margin, it could raise concerns about its profitability and lead to a negative market reaction.

Expectations

Two Questions That Matter

The print will turn on these two things.

What is the expected growth rate in loan demand for the upcoming quarter?

Loan demand is a critical driver of revenue for banks, and any significant changes could impact profitability.

How does Valley National plan to manage its net interest margin in the current interest rate environment?

The net interest margin is vital for the bank's profitability, and insights into management's strategy will be closely scrutinized.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may underestimate Valley National's ability to grow its loan portfolio despite economic headwinds, as regional banks often benefit from localized economic conditions.

Supporting Evidence

The recent positive trends in regional banking suggest a resilient demand for loans.

Valley National's historical performance shows a consistent ability to surprise on the upside.

Key Risk

If loan growth exceeds expectations, it could significantly alter the market's perception of the bank's future prospects.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The core debate this quarter revolves around the bank's ability to sustain growth in a potentially challenging economic environment.

Bull Confirmed If

Loan growth of 10% or more year-over-year, coupled with a stable or increasing net interest margin.

Bear Confirmed If

A decline in loan growth or a net interest margin below 3.5%.

Pre-Earnings Positioning

Options Market

Implied Move

±4.44%

Historical Avg

±2.9%

Pricing rich

The options market is pricing in a potential move of about 4.4%, indicating that traders expect some volatility around the earnings announcement.

Options are pricing ±4.4% while VLY has averaged ±2.9% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.3%

30d HV

25.4%

Calls (5K)P/C Ratio: 0.11Puts (4K)

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Valley National beats expectations, history suggests the stock could rise by around 2.99%, confirming a bullish outlook.

In-Line / Cautious

If results are in line but management provides cautious commentary, the stock may remain flat or see a slight decline.

Miss

A miss could lead to a decline of approximately 1.34%, reflecting investor disappointment.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on loan growth projections for the next quarter.
2Management's commentary on net interest margin strategies.
3Insights into consumer and business lending trends.
4Any changes in credit quality or loan performance metrics.
5Guidance on future economic conditions and their impact on operations.