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Valley National (VLY) reported $479.67 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 5.4%. EPS of $0.18 for the same period compares to $0.19 a year ago.

The reported revenue represents a surprise of -1.29% over the Zacks Consensus Estimate of $485.92 million. With the consensus EPS estimate being $0.19, the EPS surprise was -5.26%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

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: 55.9% compared to the 58.2% average estimate based on five analysts.

• Net Interest Margin: 3% versus 3% estimated by five analysts on average.

• Average Balance - Total interest earning assets: $56.89 billion versus $58.16 billion estimated by five analysts on average.

• Annualized ratio of total net charge-offs to total average loans: 0.3% versus the four-analyst average estimate of 0.2%.

• Net interest income - FTE: $421.38 million versus the five-analyst average estimate of $425.54 million.

• Total non-interest Income: $58.29 million versus $60.38 million estimated by five analysts on average.

• Bank owned life insurance: $4.78 million compared to the $3.55 million average estimate based on four analysts.

• Insurance commissions: $3.40 million compared to the $3.02 million average estimate based on four analysts.

• Wealth management and trust fees: $15.03 million compared to the $17.48 million average estimate based on four analysts.

• Service charges on deposit accounts: $12.73 million versus $12.98 million estimated by four analysts on average.

• Fees from loan servicing: $3.22 million versus $3.15 million estimated by three analysts on average.

• Net Interest Income: $420.11 million compared to the $424.65 million average estimate based on two analysts.

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

Shares of Valley National have returned -4.4% over the past month versus the Zacks S&P 500 composite's -5.1% 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.