Valley National Bancorp(VLY) - 2025 Q4 - Earnings Call Presentation

4Q25 Earnings Presentation January 29, 2026 Valley 2 | | 4Q25 | 3025 | 4Q24 | 4Q25 | 3Q25 | 4Q24 | | --- | --- | --- | --- | --- | --- | --- | | Net Income ($mm) | $195.4 | $163.4 | $115.7 | $180.2 | $164.1 | $75.7 | | Return on Average Assets Annualized | 1.24% | 1.04% | 0.74% | 1.14% | 1.04% | 0.48% | | Annualized ROATCE 2 | 14.2% | 12.1% | 9.2% | 13.1% | 12.1% | 6.0% | | Efficiency Ratio (Non-GAAP) | -- | -- | -- | 53.5% | 53.4% | 57.2% | | Diluted Earnings Per Share | $0.33 | $0.28 | $0.20 | $0.31 | $0. ...