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Valley National Bancorp (VLY) guidance and outlook

Valley National Bancorp's 10-Q filed Nov 5, 2026 makes 35 forward-looking statements.

Guidance and outlook

Forward-looking statements, 10-Q filed Nov 5, 2026

• • a material change in our allowance for credit losses due to forecasted economic conditions and/or unexpected credit deterioration in our loan and investment portfolios;
• • cyberattacks, ransomware attacks, computer viruses, malware or other cybersecurity incidents that may breach the security of our or our third-party service providers’ websites or other systems or networks to obtain unauthorized access to personal, confidential, proprietary or sensitive information, destroy data, disable or degrade service, or sabotage our systems or networks, and the increasing sophistication…
• • application of heightened regulatory standards for certain large insured national banks, and the expenses we will incur to develop policies, programs, and systems that comply with the enhanced standards applicable to us;
• We believe the acquisition of this high-performing commercial bank will provide an established physical delivery channel in the Chicagoland area to supplement Valley’s existing commercial presence in the market, as well as a source of stable low-cost core deposits to enhance our funding base.
• Upon closing, Bluevine will bring Valley a scaled, high-growth digital small business platform; low-cost, digitally-sourced deposit relationships expected to exceed $2.3 billion (after termination of the current banking partner relationship and transition to the Bank starting in April 2027); and an established suite of integrated banking, payments, lending and financial-management solutions designed for small…
• We expect a continued gradual reduction of the CRE loan concentration ratio during the fourth quarter 2026, followed by a modest increase at March 31, 2027 due to the capital impact of the cash consideration to be paid at the closing of the Providence and Bluevine acquisitions anticipated in early 2027.
• Currently, we expect that Valley's CET1 capital ratio will remain near the midpoint of the 10.50 to 11.00 percent range through December 31, 2026 as previously projected and disclosed in Valley's Annual Report.
• Between June 30, 2024, when the federal funds target rate reached its peak, and September 30, 2026, our cumulative deposit beta was 49 percent.
• The increase in time deposits was largely driven by higher indirect customer CD balances and deposits generated from our targeted retail CD offerings.
• We currently expect total deposit growth for the full-year 2026 to be at or above the high end of the 5 to 7 percent range previously disclosed in Valley's Annual Report.
• As a result, we cannot guarantee that we will be able to increase or maintain deposit levels at or near those reported at September 30, 2026.
• We currently anticipate net interest income growth for the full year of 2026 to be at the high end of the 11 to 13 percent range previously disclosed in Valley's Annual Report.

Valley National Bancorp's latest quarter

Questions

What does Valley National Bancorp expect?

• a material change in our allowance for credit losses due to forecasted economic conditions and/or unexpected credit deterioration in our loan and investment portfolios; • cyberattacks, ransomware attacks, computer viruses, malware or other cybersecurity incidents that may breach the security of our or our third-party service providers’ websites or other systems or networks to obtain unauthorized access to personal, confidential, proprietary or sensitive information, destroy data, disable or degrade service, or sabotage our systems or networks, and the increasing sophistication… • application

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.