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Valley National Bancorp (VLY) announced a definitive agreement to acquire Providence Financial Corporation, parent of Providence Bank & Trust, in a stock-and-cash merger that expands Valley’s presence in the Chicago market. Providence will merge into Valley, followed by a bank merger into Valley National Bank, with closing targeted for early 2027 subject to regulatory and Providence shareholder approvals.
Providence has approximately $1.6 billion in assets, $1.3 billion in deposits, $1.1 billion in loans and $800 million of wealth assets under management across 14 branches. Providence shareholders will receive 4.3854 Valley shares plus $21.47 in cash per share, implying total consideration of $247 million based on Valley’s $14.10 share price, with roughly 13 million new Valley shares to be issued.
On a pro forma basis as of June 30, 2026, the combined company would have $67.9 billion in assets, $55.5 billion in deposits and $53.5 billion in loans, including about $1.6 billion of deposits and $1.9 billion of loans in Chicagoland. Valley projects about 2% 2028 EPS accretion, less than 1% tangible book value dilution with an earnback under three years, and a CET1 ratio impact of less than 10 basis points. The company targets $10 million of pre-tax cost saves and expects pre-tax restructuring charges of $17 million.
Valley National Bancorp (VLY) announced a definitive Agreement and Plan of Merger to acquire Providence Financial Corporation, parent of Providence Bank & Trust, in a stock-and-cash transaction valued at $247 million based on Valley’s $14.10 share price on August 24, 2026. Each Providence share will be exchanged for 4.3854 VLY shares plus $21.47 in cash, with Valley issuing about 13 million new shares. Providence, with $1.6 billion in assets, $1.3 billion in deposits, $1.1 billion in loans and $800 million of wealth AUM as of June 30, 2026, will be merged into Valley, followed by a merger of Providence Bank & Trust into Valley National Bank.
The deal expands Valley’s presence in the Chicagoland market, where the combined franchise is expected to have about $1.6 billion of deposits and $1.9 billion of loans post-closing. On a pro forma basis as of June 30, 2026, the combined company would have approximately $67.9 billion in assets, $55.5 billion in deposits and $53.5 billion in loans. Valley projects cost savings of about $10 million pre-tax (25% of Providence’s noninterest expenses), restructuring charges of $17 million pre-tax, and a loan credit mark of 1.65% of Providence’s loans. The transaction is expected to be roughly 2% EPS accretive by 2028, less than 1% dilutive to tangible book value with an earnback of under three years, and to reduce CET1 by less than 10 basis points, with an internal rate of return above 20%. Closing is targeted for early 2027, subject to regulatory and Providence shareholder approvals, and Valley has committed $3 million over three years to Chicago-area community organizations.
Valley National Bancorp reported Q2 2026 net income of 170,885 (vs 133,167 in Q2 2025), with diluted EPS rising to $0.29 from $0.22. Net interest income grew to 487,024, while the provision for credit losses on loans declined to 29,166 from 37,795, supporting stronger profitability.
For the first half of 2026, net income reached 334,798 and diluted EPS $0.57, up from 239,225 and $0.40 a year earlier. Total non-interest income increased to 142,547, though non-interest expense also rose to 621,049. Net charge-offs for the six months were 39,590, compared with 79,778 in the prior-year period.
At June 30, 2026, total assets were 66,318,308, loans 52,467,251, and deposits 54,118,607. The allowance for loan losses stood at 590,600, plus 16,320 for unfunded commitments, against non-accrual loans of 462,629 and collateral-dependent loans of 447,583. During 2026, the company issued $500 million of 6.219% subordinated notes due 2036 and redeemed $300 million of 3.00% notes due 2031, while continuing common and preferred dividends and repurchasing shares.
Mark Saeger, EVP and Chief Credit Officer of Valley National Bancorp, reported a tax-withholding disposition of 5,487 shares of common stock at $14.29 per share on August 3, 2026, to cover taxes on vesting restricted stock units, and now holds 217,799 shares directly.
Valley National Bancorp Senior EVP and Chief Financial Officer Travis Lan reported a tax-related share withholding. On 2026-08-03, 4,877 shares of common stock were withheld at $14.29 per share to satisfy tax obligations from vesting restricted stock units, in a transaction exempt under Rule 16b-3. Lan now directly holds 81,268 shares of common stock.
Valley National Bancorp reported solid second quarter 2026 results, with net income of $170.9 million and diluted EPS of $0.29, up from $163.9 million and $0.28 in the first quarter and $133.2 million and $0.22 a year earlier. Adjusted net income was $172.8 million, or $0.30 per diluted share.
Total revenue reached $560.7 million, driven by net interest income on a tax-equivalent basis of $488.4 million and non-interest income of $73.7 million. The tax-equivalent net interest margin improved to 3.20%, while the efficiency ratio bettered to 52.11%. Loans grew to $52.5 billion and deposits to $54.1 billion, with strong C&I and commercial real estate growth and higher non-interest-bearing balances.
Credit quality remained manageable but showed some pressure: net charge-offs were $22.0 million, the annualized net charge-off ratio was 0.17%, accruing past-due loans rose to $180.2 million or 0.34% of loans, and non-accruals increased to $462.6 million or 0.88%. The allowance for credit losses for loans stood at $606.9 million, or 1.16% of loans. Capital remained strong, with a common equity tier 1 ratio of 10.71% and total risk-based capital of 13.77%, and the company repurchased 1.5 million common shares at an average price of $13.40.
Valley National Bancorp senior executive vice president and general counsel Lyndsey M. Sloan reported a disposition of 3,836 shares of common stock at $14.65 per share. These shares were withheld to cover tax obligations triggered by the vesting of restricted stock units, and Sloan now directly holds 47,724 shares.
Valley National Bancorp Senior Executive Vice President and Chief Risk Officer John P. Regan reported a routine tax-related share disposition. On the vesting of restricted stock units, 4,907 shares of common stock were withheld to cover tax obligations, at a value of $14.65 per share. Following this non-market transaction, he directly holds 64,668 shares of Valley National common stock.
Valley National Bancorp executive sells shares
VALLEY NATIONAL BANCORP EVP & Chief Accounting Officer Mitchell L. Crandell reported an open-market sale of 25,495 shares of common stock at an average price of $14.63 per share. After this transaction, he continues to hold 76,116 shares directly.
Valley National Bancorp (VLY) submitted a Form 144 notice reporting proposed sales of previously issued restricted common stock tied to compensation vesting events. The filing lists multiple vesting dates and share quantities (examples include 6,879 shares vesting 01/24/2022 and 7,546 shares vesting 02/23/2023).
The notice names Fidelity Brokerage Services LLC and shows an execution date of 06/12/2026; it is a routine affiliate resale filing under the securities rules.