EPS: As of FY2025 Q2, the actual value is USD 0.22.EBIT: As of FY2025 Q2, the actual value is USD 173.09 M.<h3>Commercial and Industrial Segment</h3><ul><li>Net Loans: $10,870,036 as of June 30, 2025, compared to $9,931,400 as of December 31, 2024.</li><li>Past Due Loans: Total past due loans were $102,519, with non-accrual loans at $90,973.</li><li>Loan Modifications: $8,306 in term extensions for the three months ended June 30, 2025.</li></ul><h3>Commercial Real Estate Segment</h3><ul><li>Net Loans: $25,971,061 as of June 30, 2025, compared to $26,530,225 as of December 31, 2024.</li><li>Past Due Loans: Total past due loans were $297,089, with non-accrual loans at $193,604.</li><li>Loan Modifications: $7,028 in term extensions and interest rate reductions for the three months ended June 30, 2025.</li></ul><h3>Construction Segment</h3><ul><li>Net Loans: $2,854,859 as of June 30, 2025, compared to $3,114,733 as of December 31, 2024.</li><li>Past Due Loans: Total past due loans were $59,068, with non-accrual loans at $24,068.</li></ul><h3>Residential Mortgage Segment</h3><ul><li>Net Loans: $5,709,971 as of June 30, 2025, compared to $5,632,516 as of December 31, 2024.</li><li>Past Due Loans: Total past due loans were $72,532, with non-accrual loans at $41,099.</li></ul><h3>Consumer Loans Segment</h3><ul><li>Net Loans: $3,985,493 as of June 30, 2025, compared to $3,590,837 as of December 31, 2024.</li><li>Past Due Loans: Total past due loans were $22,353, with non-accrual loans at $4,615.</li></ul><h3>Cash Flow</h3><ul><li>Net Cash Provided by Operating Activities: $142,032 for the six months ended June 30, 2025.</li><li>Net Cash Used in Investing Activities: -$1,156,594 for the six months ended June 30, 2025.</li><li>Net Cash Provided by Financing Activities: $310,854 for the six months ended June 30, 2025.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: The company is focusing on managing credit risk and maintaining loan quality, as evidenced by the detailed monitoring of past due and non-accrual loans across segments.</li><li>Non-Core Business: No specific non-core business strategies were detailed in the report.</li></ul>

Valley National Bancorp Pref Share VLYPP 6.25 06/30/25 | 10-Q: FY2025 Q2 EPS: USD 0.22