NASDAQ$VLY

Valley National Bancorp · Q1 2022 earnings

Q1 2022 earnings · · Investor relations

Briefing

Reported strong organic loan growth and solid net interest income and margin.

Valley National Bancorp reported a strong first quarter in 2022, marked by robust commercial loan growth, solid credit metrics, and a stable core net interest margin. Net income was $116.7 million, or $0.27 per diluted common share.

  • Total loans increased $1.2 billion to $35.4 billion.
  • Net interest income on a tax equivalent basis increased $24.8 million compared to Q1 2021.
  • Non-interest income increased $1.0 million to $39.3 million.
  • Non-interest expense increased $12.8 million to $197.3 million.

Headline financials

Total Revenue

$357M

Previous: $324M+10.2%
EPS (adj)

$0.28

Previous: $0.28+0.0%
Efficiency ratio

55.3%

Previous: 49.5%+11.8%
Capital Expenditures

-$22.7M

Previous: -$8.04M-182.9%
Free Cash Flow

$94M

Previous: $108M-12.7%
Net Income

$117M

Previous: $116M+0.9%
Operating Income

$279M

Previous: $229M+21.7%
Gross Profit

$354M

Previous: $315M+12.2%
Cash & Equivalents

$731M

Previous: $1.63B-55.3%
Total Assets

$43.6B

Previous: $41.2B+5.8%
Stock-Based Comp

$7.26M

Previous: $5.47M+32.9%

Revenue & EPS history

Valley National · Revenue · Quarterly

$357M

Q1 2022+10.2%vs Q1 2021
Beat estimate in 12 of 16 quarters(75%)
ActualEstimate

Revenue by segment

Valley National · $35.4B total across 4 segments · Q1 2022

  • Total commercial real estate
    $21.9B+17.3%
  • Commercial and industrial loans
    $5.79B-19.0%
  • Residential mortgage
    $4.69B+15.6%
  • Total consumer loans
    $2.94B+6.4%

Forward guidance

Leveraging Bank Leumi’s core business relationships is expected to provide additional differentiated growth opportunities for Valley. Bank Leumi further solidifies Valley as one of the nation's premier full-service commercial banks.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2022

Historical avgQ1 2022

-0.2%

Avg return

Earnings day

+0.2%

Avg return

5 days after

+1.6%

Avg return

30 days after

50%

34 / 68 earnings

Positive

+9.3%

Q1 2023

Best reaction

-8.3%

Q1 2013

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+3.9%+2.8%+2.2%
Q4 2025+3.0%+7.1%+2.8%
Q3 2025+4.3%+10.5%+6.3%
Q1 2025+1.2%+0.5%+0.8%
Q4 2024-0.2%+4.1%-2.7%
Q3 2024+1.6%+5.0%+15.8%
Q2 2024+5.1%+4.7%+13.5%
Q1 2024-6.6%-10.6%-6.1%
Q4 2023-4.3%-3.4%-21.9%
Q3 2023+0.1%+0.4%+13.2%
Q2 2023-1.4%-3.8%-15.0%
Q1 2023+9.3%-14.9%-11.0%
Q4 2022+3.0%+7.0%+5.5%
Q3 2022+3.0%+2.8%+8.4%
Q2 2022+4.1%+4.1%+8.0%
Q1 2022-2.0%-1.8%+4.5%
Q4 2021-5.7%-4.3%-3.4%
Q3 2021-1.2%+3.9%+3.6%
Q2 2021-0.9%-1.4%+1.1%
Q1 2021-1.6%+2.1%+2.4%
Q4 2020-1.7%+0.8%+17.9%
Q3 2020+5.8%-1.0%+20.4%
Q2 2020+3.5%-0.8%-0.4%
Q1 2020-4.6%-8.0%-3.9%
Q4 2019-3.4%+0.0%-14.7%
Q3 2019+0.3%+2.9%+2.1%
Q2 2019+1.2%+1.8%-7.8%
Q1 2019+0.3%+1.3%-1.5%
Q4 2018-2.5%-1.1%+2.0%
Q3 2018+0.3%+5.1%+4.8%
Q2 2018-6.1%-7.8%-5.1%
Q1 2018+3.2%+1.7%+3.9%
Q4 2017+4.7%+2.9%+5.8%
Q3 2017-2.4%-3.7%-5.4%
Q2 2017-5.9%-4.2%-9.1%
Q1 2017+0.4%-0.7%-5.0%
Q4 2016+6.8%+5.7%+9.0%
Q3 2016+1.4%+0.9%+16.7%
Q2 2016-0.8%-1.0%+4.6%
Q1 2016-6.7%
Q4 2015+0.7%
Q3 2015+5.8%
Q2 2015-1.8%
Q1 2015-2.0%
Q4 2014-1.2%
Q3 2014-0.3%
Q2 2014-0.6%
Q1 2014-6.9%
Q4 2013-1.8%
Q3 2013-4.1%
Q2 2013+3.8%
Q1 2013-8.3%
Q4 2012-0.2%
Q3 2012-0.4%
Q2 2012-0.3%
Q1 2012+0.1%
Q4 2011+0.5%
Q4 2008+0.5%
Q3 2011+3.8%
Q2 2011-2.7%
Q1 2010+0.4%
Q1 2011+0.3%
Q4 2010-1.6%
Q3 2010-2.9%
Q3 2009-2.9%
Q4 2009+0.1%
Q2 2010+0.1%
Q2 2009+0.1%

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