Valley Ntl (NASDAQ:VLY) 주식

VALLEY NATIONAL BANCORP

Valley Ntl

NYSE

Valley National Bancorp is a bank holding company that offers a full suite of national and regional banking solutions through various commercial, private banking, retail, insurance, and wealth management financial services products. It provides personalized service and customized solutions to assist its customers with their financial service needs. The group also offers niche financial services, including loan and deposit products for homeowners associations, cannabis-related business banking, and venture banking, which offers nationally. It manages its business operations under operating segments consisting of Consumer Banking; Commercial Banking; and Treasury and Corporate Other. The group generates the majority of its revenue from the Commercial Banking Segment.

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Valley National Bancorp

Valley National Bancorp - 8.250% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series C

Valley National Bancorp - 5.5% Fixed to Floating Rate Series B Non-Cumulative Perpetual Preferred Stock

Valley National Bancorp - 6.25% Fixed-to-Floating Rate Series A Non-Cumulative Perpetual Preferred Stock

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Shares of banking companies are trading lower as markets react to President Trump's announcement of sweeping tariffs.

Valley National shares are trading higher after Piper Sandler upgraded the stock from Neutral to Overweight.

During the last three months, 7 analysts shared their evaluations of Valley Ntl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VLY#NASDAQ">VLY</a>), revealing diverse outlooks from bullish to bearish.
The following table provides a quick overview of their recent ratings, highlighting the changing sentiments over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">0</td>
<td align="right">5</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Analysts' evaluations of 12-month price targets offer additional insights, showcasing an average target of $11.14, with a high estimate of $12.50 and a low estimate of $10.00. Observing a 1.27% increase, the current average has risen from the previous average price target of $11.00. 
<img src="https://www.benzinga.com/files/images/story/2025/1742821265_0.png" alt="price target chart" />
<h2>Exploring Analyst Ratings: An In-Depth Overview</h2>
The analysis of recent analyst actions sheds light on the perception of Valley Ntl by financial experts. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Frank Schiraldi</td>
<td>Piper Sandler</td>
<td>Maintains</td>
<td>Overweight</td>
<td>$11.00</td>
<td>$11.00</td>
</tr>
<tr>
<td>Ben Gerlinger</td>
<td>Citigroup</td>
<td>Raises</td>
<td>Neutral</td>
<td>$11.00</td>
<td>$10.00</td>
</tr>
<tr>
<td>Karl Shepard</td>
<td>RBC Capital</td>
<td>Raises</td>
<td>Outperform</td>
<td>$12.00</td>
<td>$11.00</td>
</tr>
<tr>
<td>Anthony Elian</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Overweight</td>
<td>$11.00</td>
<td>$10.50</td>
</tr>
<tr>
<td>Anthony Elian</td>
<td>JP Morgan</td>
<td>Lowers</td>
<td>Overweight</td>
<td>$10.50</td>
<td>$11.50</td>
</tr>
<tr>
<td>Matt Breese</td>
<td>Stephens &amp; Co.</td>
<td>Maintains</td>
<td>Overweight</td>
<td>$12.50</td>
<td>$12.50</td>
</tr>
<tr>
<td>Ben Gerlinger</td>
<td>Citigroup</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$10.00</td>
<td>$10.50</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts frequently update their recommendations based on evolving market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Valley Ntl. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Analysts assign qualitative assessments to stocks, ranging from 'Outperform' to 'Underperform'. These ratings convey the analysts' expectations for the relative performance of Valley Ntl compared to the broader market.</li>
<li>Price Targets: Understanding forecasts, analysts offer estimates for Valley Ntl's future value. Examining the current and prior targets provides insight into analysts' changing expectations.</li>
</ul>
Assessing these analyst evaluations alongside crucial financial indicators can provide a comprehensive overview of Valley Ntl's market position. Stay informed and make well-judged decisions with the assistance of our Ratings Table.
<a href="https://www.benzinga.com/quote/VLY/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on Valley Ntl analyst ratings.</a>
<h2>Unveiling the Story Behind Valley Ntl</h2>
Valley National Bancorp is a bank holding company that offers a full suite of national and regional banking solutions through various commercial, private banking, retail, insurance, and wealth management financial services products. It provides personalized service and customized solutions to assist its customers with their financial service needs. The group also offers niche financial services, including loan and deposit products for homeowners associations, cannabis-related business banking, and venture banking, which offers nationally. It manages its business operations under operating segments consisting of Consumer Banking; Commercial Banking; and Treasury and Corporate Other. The group generates the majority of its revenue from the Commercial Banking Segment.
<h3>Financial Insights: Valley Ntl</h3>
Market Capitalization: Positioned above industry average, the company's market capitalization underscores its superiority in size, indicative of a strong market presence.
Revenue Growth: Over the 3 months period, Valley Ntl showcased positive performance, achieving a revenue growth rate of 5.45% as of 31 December, 2024. This reflects a substantial increase in the company's top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Financials sector.
Net Margin: Valley Ntl's net margin is impressive, surpassing industry averages. With a net margin of 22.9%, the company demonstrates strong profitability and effective cost management.
Return on Equity (ROE): Valley Ntl's ROE lags behind industry averages, suggesting challenges in maximizing returns on equity capital. With an ROE of 1.59%, the company may face hurdles in achieving optimal financial performance.
Return on Assets (ROA): Valley Ntl's ROA is below industry averages, indicating potential challenges in efficiently utilizing assets. With an ROA of 0.17%, the company may face hurdles in achieving optimal financial returns.
Debt Management: Valley Ntl's debt-to-equity ratio is notably higher than the industry average. With a ratio of 0.51, the company relies more heavily on borrowed funds, indicating a higher level of financial risk.
<h2>How Are Analyst Ratings Determined?</h2>
Benzinga tracks 150 analyst firms and reports on their stock expectations. Analysts typically arrive at their conclusions by predicting how much money a company will make in the future, usually the upcoming five years, and how risky or predictable that company's revenue streams are.
Analysts attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish their ratings on stocks. Analysts typically rate each stock once per quarter or whenever the company has a major update.
Beyond their standard evaluations, some analysts contribute predictions for metrics like growth estimates, earnings, and revenue, furnishing investors with additional guidance. Users of analyst ratings should be mindful that this specialized advice is shaped by human perspectives and may be subject to variability.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Analyst Ratings

Where Valley Ntl Stands With Analysts

Top Wall Street analysts changed their outlook on these top names. For a complete view of all analyst rating changes, including upgrades, downgrades and initiations, please see our <a href="https://www.benzinga.com/analyst-stock-ratings">analyst ratings page</a>.
<ul>
<li>Piper Sandler analyst Frank Schiraldi upgraded Valley National Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VLY#NASDAQ">VLY</a>) from Neutral to Overweight and maintained the price target of $11. Valley National shares closed at $8.85 on Friday. <a href="https://www.benzinga.com/quote/VLY/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Stifel analyst Lars Kjellberg upgraded the rating for Mativ Holdings, Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MATV#NYSE">MATV</a>) from Hold to Buy but lowered the price target from $15.5 to $10. Mativ Holdings shares closed at $6.09 on Friday. <a href="https://www.benzinga.com/quote/MATV/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Guggenheim analyst Michael Morris upgraded Pinterest, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PINS#NYSE">PINS</a>) from Neutral to Buy and raised the price target from $39 to $40. Pinterest shares closed at $32.42 on Friday. <a href="https://www.benzinga.com/quote/PINS/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Raymond James analyst Simon Leopold upgraded the rating for Coherent Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COHR#NYSE">COHR</a>) from Outperform to Strong Buy and lowered the price target from $110 to $91. Coherent shares closed at $68.24 on Friday. <a href="https://www.benzinga.com/quote/COHR/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Raymond James analyst Simon Leopold upgraded Lumentum Holdings Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/LITE#NASDAQ">LITE</a>) from Outperform to Strong Buy and lowered the price target from&nbsp;$96&nbsp;to&nbsp;$82. Lumentum shares closed at $66.61 on Friday. &nbsp;<a href="https://www.benzinga.com/quote/MSFT/analyst-ratings">See how other analysts view this stock.</a></li>
</ul>
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Photo: Shutterstock

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Upgrades

Pre-Market Outlook

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This Pinterest Analyst Turns Bullish; Here Are Top 5 Upgrades For Monday

Piper Sandler analyst Frank Schiraldi upgrades Valley Ntl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VLY#NASDAQ">VLY</a>) from Neutral to Overweight and maintains the price target from $11 to $11.

Price Target

Piper Sandler Upgrades Valley Ntl to Overweight, Maintains Price Target to $11

Morgan Stanley analyst Manan Gosalia maintains Valley Ntl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VLY#NASDAQ">VLY</a>) with a Equal-Weight and lowers the price target from $13 to $12.

Morgan Stanley Maintains Equal-Weight on Valley Ntl, Lowers Price Target to $12

Management

Valley National Bancorp Appoints Travis Lan As Senior Executive Vice President And Chief Financial Officer

General

Valley Bank Partners With Finley Technologies To Implement Credit Management System

During the last three months, 9 analysts shared their evaluations of Valley Ntl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VLY#NASDAQ">VLY</a>), revealing diverse outlooks from bullish to bearish.
The following table encapsulates their recent ratings, offering a glimpse into the evolving sentiments over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">0</td>
<td align="right">5</td>
<td align="right">4</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">4</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Analysts have set 12-month price targets for Valley Ntl, revealing an average target of $11.0, a high estimate of $12.50, and a low estimate of $10.00. This upward trend is evident, with the current average reflecting a 3.68% increase from the previous average price target of $10.61.
<img src="https://www.benzinga.com/files/images/story/2025/1738000837_0.png" alt="price target chart" />
<h2>Analyzing Analyst Ratings: A Detailed Breakdown</h2>
A clear picture of Valley Ntl's perception among financial experts is painted with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Ben Gerlinger</td>
<td>Citigroup</td>
<td>Raises</td>
<td>Neutral</td>
<td>$11.00</td>
<td>$10.00</td>
</tr>
<tr>
<td>Karl Shepard</td>
<td>RBC Capital</td>
<td>Raises</td>
<td>Outperform</td>
<td>$12.00</td>
<td>$11.00</td>
</tr>
<tr>
<td>Anthony Elian</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Overweight</td>
<td>$11.00</td>
<td>$10.50</td>
</tr>
<tr>
<td>Anthony Elian</td>
<td>JP Morgan</td>
<td>Lowers</td>
<td>Overweight</td>
<td>$10.50</td>
<td>$11.50</td>
</tr>
<tr>
<td>Matt Breese</td>
<td>Stephens &amp; Co.</td>
<td>Maintains</td>
<td>Overweight</td>
<td>$12.50</td>
<td>$12.50</td>
</tr>
<tr>
<td>Ben Gerlinger</td>
<td>Citigroup</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$10.00</td>
<td>$10.50</td>
</tr>
<tr>
<td>Jared Shaw</td>
<td>Barclays</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$11.00</td>
<td>$10.00</td>
</tr>
<tr>
<td>Steven Alexopoulos</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Overweight</td>
<td>$11.00</td>
<td>$10.50</td>
</tr>
<tr>
<td>Jared Shaw</td>
<td>Barclays</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$10.00</td>
<td>$9.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Valley Ntl. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Delving into assessments, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings communicate expectations for the relative performance of Valley Ntl compared to the broader market.</li>
<li>Price Targets: Analysts explore the dynamics of price targets, providing estimates for the future value of Valley Ntl's stock. This examination reveals shifts in analysts' expectations over time.</li>
</ul>
Analyzing these analyst evaluations alongside relevant financial metrics can provide a comprehensive view of Valley Ntl's market position. Stay informed and make data-driven decisions with the assistance of our Ratings Table.
<a href="https://www.benzinga.com/quote/VLY/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Valley Ntl analyst ratings.</a>
<h2>Discovering Valley Ntl: A Closer Look</h2>
Valley National Bancorp is a bank holding company whose principal wholly-owned subsidiary is Valley National Bank. It provides a full range of commercial, retail, and trust and investment services largely through its offices and ATM network throughout northern and central New Jersey, New York City Long Island, Florida, and Alabama. The segments of the group are commercial lending, consumer lending, investment management, and corporate and other adjustments, of which key interest income is derived from the commercial lending segment. In recent years, the company has focused on acquiring companies that operate outside of traditional banking and has emphasized wealth and capital management.
<h3>Key Indicators: Valley Ntl's Financial Health</h3>
Market Capitalization Analysis: With a profound presence, the company's market capitalization is above industry averages. This reflects substantial size and strong market recognition.
Positive Revenue Trend: Examining Valley Ntl's financials over 3 months reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 2.32% as of 31 December, 2024, showcasing a substantial increase in top-line earnings. As compared to competitors, the company surpassed expectations with a growth rate higher than the average among peers in the Financials sector.
Net Margin: Valley Ntl's net margin is impressive, surpassing industry averages. With a net margin of 22.9%, the company demonstrates strong profitability and effective cost management.
Return on Equity (ROE): Valley Ntl's ROE is below industry standards, pointing towards difficulties in efficiently utilizing equity capital. With an ROE of 1.59%, the company may encounter challenges in delivering satisfactory returns for shareholders.
Return on Assets (ROA): Valley Ntl's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of 0.17%, the company may face hurdles in achieving optimal financial performance.
Debt Management: Valley Ntl's debt-to-equity ratio is notably higher than the industry average. With a ratio of 0.52, the company relies more heavily on borrowed funds, indicating a higher level of financial risk.
<h2>Understanding the Relevance of Analyst Ratings</h2>
Ratings come from analysts, or specialists within banking and financial systems that report for specific stocks or defined sectors (typically once per quarter for each stock). Analysts usually derive their information from company conference calls and meetings, financial statements, and conversations with important insiders to reach their decisions.
Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.
Which Stocks Are Analysts Recommending Now?
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Valley Ntl Stock: A Deep Dive Into Analyst Perspectives (9 Ratings)

Citigroup analyst Ben Gerlinger maintains Valley Ntl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VLY#NASDAQ">VLY</a>) with a Neutral and raises the price target from $10 to $11.

Citigroup Maintains Neutral on Valley Ntl, Raises Price Target to $11

RBC Capital analyst Karl Shepard maintains Valley Ntl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VLY#NASDAQ">VLY</a>) with a Outperform and raises the price target from $11 to $12.

RBC Capital Maintains Outperform on Valley Ntl, Raises Price Target to $12

JP Morgan analyst Anthony Elian maintains Valley Ntl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VLY#NASDAQ">VLY</a>) with a Overweight and raises the price target from $10.5 to $11.

JP Morgan Maintains Overweight on Valley Ntl, Raises Price Target to $11

Valley Ntl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VLY#NASDAQ">VLY</a>) reported quarterly earnings of $0.13 per share which missed the analyst consensus estimate of $0.14 by 7.14 percent. This is a 40.91 percent decrease over earnings of $0.22 per share from the same period last year. The company reported quarterly sales of $474.18 million which beat the analyst consensus estimate of $468.00 million by 1.32 percent. This is a 5.38 percent increase over sales of $449.97 million the same period last year.

Earnings

Earnings Beats

Earnings Misses

Valley Ntl Q4 2024 Adj EPS $0.13 Misses $0.14 Estimate, Sales $474.18M Beat $468.00M Estimate

<h3>Companies Reporting Before The Bell</h3>
• Elevance Health (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ELV#NYSE">ELV</a>) is estimated to report quarterly earnings at $3.86 per share on revenue of $44.72 billion. 
• Chunghwa Telecom (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CHT#NYSE">CHT</a>) is projected to report earnings for its fourth quarter. 
• WNS (Hldgs) (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WNS#NYSE">WNS</a>) is likely to report quarterly earnings at $1.04 per share on revenue of $332.22 million. 
• Pacific Premier Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PPBI#NASDAQ">PPBI</a>) is likely to report quarterly earnings at $0.31 per share on revenue of $142.92 million. 
• OSI Systems (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/OSIS#NASDAQ">OSIS</a>) is expected to report quarterly earnings at $2.33 per share on revenue of $406.61 million. 
• Union Pacific (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UNP#NYSE">UNP</a>) is expected to report quarterly earnings at $2.78 per share on revenue of $6.15 billion. 
• Texas Capital Bancshares (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TCBI#NASDAQ">TCBI</a>) is projected to report quarterly earnings at $1.08 per share on revenue of $283.78 million. 
• Old Republic Intl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ORI#NYSE">ORI</a>) is projected to report quarterly earnings at $0.69 per share on revenue of $2.11 billion. 
• West Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WTBA#NASDAQ">WTBA</a>) is expected to report quarterly earnings at $0.40 per share on revenue of $21.42 million. 
• Valley Ntl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VLY#NASDAQ">VLY</a>) is estimated to report quarterly earnings at $0.14 per share on revenue of $467.97 million. 
• MarineMax (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HZO#NYSE">HZO</a>) is projected to report quarterly loss at $0.18 per share on revenue of $485.52 million. 
• First BanCorp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FBP#NYSE">FBP</a>) is likely to report quarterly earnings at $0.41 per share on revenue of $236.55 million. 
• Novagold Resources (AMEX:<a class="ticker" href="https://www.benzinga.com/stock/NG#AMEX">NG</a>) is estimated to report earnings for its fourth quarter. 
• Northern Trust (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NTRS#NASDAQ">NTRS</a>) is estimated to report quarterly earnings at $2.00 per share on revenue of $1.93 billion. 
• Dr Reddy's Laboratories (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RDY#NYSE">RDY</a>) is estimated to report quarterly earnings at $0.19 per share on revenue of $964.48 million. 
• Amalgamated Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AMAL#NASDAQ">AMAL</a>) is estimated to report quarterly earnings at $0.87 per share on revenue of $81.90 million. 
• MakeMyTrip (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MMYT#NASDAQ">MMYT</a>) is likely to report quarterly earnings at $0.45 per share on revenue of $264.99 million. 
• Heritage Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HFWA#NASDAQ">HFWA</a>) is expected to report quarterly earnings at $0.44 per share on revenue of $60.71 million. 
• Dime Community Bancshares (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/DCOM#NASDAQ">DCOM</a>) is likely to report quarterly earnings at $0.45 per share on revenue of $62.64 million. 
• McCormick &amp; Co (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MKC#NYSE">MKC</a>) is expected to report quarterly earnings at $0.77 per share on revenue of $1.77 billion. 
• American Airlines Gr (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AAL#NASDAQ">AAL</a>) is projected to report quarterly earnings at $0.39 per share on revenue of $13.13 billion. 
• TAL Education (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TAL#NYSE">TAL</a>) is expected to report quarterly earnings at $0.06 per share on revenue of $539.86 million. 
• Global X Guru Index ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GURU#NYSE">GURU</a>) is projected to report quarterly loss at $0.09 per share on revenue of $7.55 million. 
• LSI Industries (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/LYTS#NASDAQ">LYTS</a>) is estimated to report quarterly earnings at $0.20 per share on revenue of $129.20 million. 
• GATX (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GATX#NYSE">GATX</a>) is likely to report quarterly earnings at $1.78 per share on revenue of $399.00 million. 
• Independent Bank (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/IBCP#NASDAQ">IBCP</a>) is estimated to report quarterly earnings at $0.76 per share on revenue of $48.94 million. 
• Freeport-McMoRan (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FCX#NYSE">FCX</a>) is projected to report quarterly earnings at $0.35 per share on revenue of $6.27 billion. 
• Banc of California (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BANC#NYSE">BANC</a>) is expected to report quarterly earnings at $0.23 per share on revenue of $272.18 million. 
• GE Aero (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GE#NYSE">GE</a>) is likely to report quarterly earnings at $1.05 per share on revenue of $9.84 billion. 
• Atlantic Union Bankshares (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AUB#NYSE">AUB</a>) is estimated to report quarterly earnings at $0.79 per share on revenue of $222.26 million. 
<h3>Companies Reporting After The Bell</h3>
• Texas Instruments (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TXN#NASDAQ">TXN</a>) is projected to report quarterly earnings at $1.20 per share on revenue of $3.87 billion. 
• Covenant Logistics Gr (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CVLG#NYSE">CVLG</a>) is expected to report quarterly earnings at $0.50 per share on revenue of $284.91 million. 
• OceanFirst Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/OCFC#NASDAQ">OCFC</a>) is projected to report quarterly earnings at $0.36 per share on revenue of $94.95 million. 
• First Western Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MYFW#NASDAQ">MYFW</a>) is expected to report quarterly earnings at $0.26 per share on revenue of $24.41 million. 
• SouthState (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SSB#NYSE">SSB</a>) is expected to report quarterly earnings at $1.73 per share on revenue of $434.57 million. 
• Five Point Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FPH#NYSE">FPH</a>) is likely to report earnings for its fourth quarter. 
• USCB Financial Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/USCB#NASDAQ">USCB</a>) is expected to report quarterly earnings at $0.37 per share on revenue of $22.41 million. 
• First Financial Bancor (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FFBC#NASDAQ">FFBC</a>) is projected to report quarterly earnings at $0.65 per share on revenue of $216.32 million. 
• First Bank (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FRBA#NASDAQ">FRBA</a>) is estimated to report quarterly earnings at $0.39 per share on revenue of $32.84 million. 
• SLM (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>) is expected to report quarterly earnings at $0.56 per share on revenue of $371.74 million. 
• MidWestOne Financial Gr (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MOFG#NASDAQ">MOFG</a>) is estimated to report quarterly earnings at $0.72 per share on revenue of $57.00 million. 
• Midland States Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MSBI#NASDAQ">MSBI</a>) is likely to report quarterly earnings at $0.67 per share on revenue of $73.57 million. 
• Metropolitan Bank Holding (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MCB#NYSE">MCB</a>) is estimated to report quarterly earnings at $1.49 per share on revenue of $67.43 million. 
• Customers Bancorp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CUBI#NYSE">CUBI</a>) is estimated to report quarterly earnings at $1.20 per share on revenue of $164.07 million. 
• East West Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/EWBC#NASDAQ">EWBC</a>) is expected to report quarterly earnings at $2.12 per share on revenue of $659.00 million. 
• Intuitive Surgical (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ISRG#NASDAQ">ISRG</a>) is estimated to report quarterly earnings at $1.75 per share on revenue of $2.20 billion. 
• Glacier Bancorp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GBCI#NYSE">GBCI</a>) is projected to report quarterly earnings at $0.52 per share on revenue of $224.99 million. 
• Business First Bancshares (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BFST#NASDAQ">BFST</a>) is likely to report quarterly earnings at $0.49 per share on revenue of $75.13 million. 
• SB Finl Gr (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SBFG#NASDAQ">SBFG</a>) is expected to report quarterly earnings at $0.41 per share on revenue of $10.20 million. 
• Byline Bancorp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BY#NYSE">BY</a>) is projected to report quarterly earnings at $0.61 per share on revenue of $100.39 million. 
• Eastern Bankshares (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/EBC#NASDAQ">EBC</a>) is projected to report quarterly earnings at $0.34 per share on revenue of $184.71 million. 
• 1st Source (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SRCE#NASDAQ">SRCE</a>) is likely to report quarterly earnings at $1.33 per share on revenue of $97.65 million. 
• Associated Banc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ASB#NYSE">ASB</a>) is likely to report quarterly earnings at $0.52 per share on revenue of $337.81 million. 
• Columbia Banking System (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/COLB#NASDAQ">COLB</a>) is projected to report quarterly earnings at $0.66 per share on revenue of $489.74 million. 
• CSX (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CSX#NASDAQ">CSX</a>) is likely to report quarterly earnings at $0.44 per share on revenue of $3.61 billion. 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

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streetTRACKS Dow Jones U.S. Large Cap Value Index Fund

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Earnings Scheduled For January 23, 2025

JP Morgan analyst Anthony Elian maintains Valley Ntl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VLY#NASDAQ">VLY</a>) with a Overweight and lowers the price target from $11.5 to $10.5.

JP Morgan Maintains Overweight on Valley Ntl, Lowers Price Target to $10.5

Stephens &amp; Co. analyst Matt Breese reiterates Valley Ntl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VLY#NASDAQ">VLY</a>) with a Overweight and maintains $12.5 price target.

Reiteration

Stephens & Co. Reiterates Overweight on Valley Ntl, Maintains $12.5 Price Target

Top Wall Street analysts changed their outlook on these top names. For a complete view of all analyst rating changes, including upgrades and downgrades, please see our <a href="https://www.benzinga.com/analyst-stock-ratings">analyst ratings page</a>.
<ul>
<li>Citigroup cut the price target for Valley National Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VLY#NASDAQ">VLY</a>) from $10.5 to $10. Citigroup analyst Ben Gerlinger maintained a Neutral rating. Valley National Bancorp shares closed at $9.12 on Monday. <a href="https://www.benzinga.com/quote/VLY/analyst-ratings">See how other analysts view this stock.</a></li>
<li>Wells Fargo cut Sangamo Therapeutics, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SGMO#NASDAQ">SGMO</a>) price target from $3 to $2. Wells Fargo analyst Jim Birchenough maintained an Equal-Weight rating. Sangamo Therapeutics shares closed at $2.34 on Monday. <a href="https://www.benzinga.com/quote/SGMO/analyst-ratings">See how other analysts view this stock.</a></li>
<li>Citigroup raised the price target for Pinnacle Financial Partners, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PNFP#NASDAQ">PNFP</a>) from $123 to $132. Citigroup analyst Ben Gerlinger maintained a Buy rating. Pinnacle Financial Partners shares closed at $113.75 on Monday. <a href="https://www.benzinga.com/quote/PNFP/analyst-ratings">See how other analysts view this stock.</a></li>
<li>HC Wainwright &amp; Co. raised the price target for Arqit Quantum Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ARQQ#NASDAQ">ARQQ</a>) from $27 to $52. HC Wainwright &amp; Co. analyst Scott Buck maintained a Buy rating. Arqit Quantum shares closed at $43.32 on Monday. <a href="https://www.benzinga.com/quote/ARQQ/analyst-ratings">See how other analysts view this stock.</a></li>
<li>Stifel cut Canoo Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/GOEV#NASDAQ">GOEV</a>) price target from $4.5 to $0.5. Stifel analyst Stephen Gengaro downgraded the stock from Buy to Hold. Canoo shares settled at $1.37 on Monday. <a href="https://www.benzinga.com/quote/GOEV/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Stifel increased Glaukos Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GKOS#NYSE">GKOS</a>) price target from $153 to $175. Stifel analyst Thomas Stephan maintained a Buy rating. Glaukos shares closed at $149.51 on Friday. <a href="https://www.benzinga.com/quote/GKOS/analyst-ratings">See how other analysts view this stock.</a> </li>
</ul>
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<li><a href="https://www.benzinga.com/trading-ideas/short-ideas/24/12/42720878/top-3-tech-stocks-that-may-fall-off-a-cliff-this-quarter">Top 3 Tech Stocks That May Fall Off A Cliff This Quarter</a></li>
</ul>

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Glaukos To Rally Around 17%? Here Are 6 Top Analyst Forecasts For Tuesday

Ratings for Valley Ntl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VLY#NASDAQ">VLY</a>) were provided by 9 analysts in the past three months, showcasing a mix of bullish and bearish perspectives.
The table below offers a condensed view of their recent ratings, showcasing the changing sentiments over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">6</td>
<td align="right">1</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">4</td>
<td align="right">1</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
The 12-month price targets assessed by analysts reveal further insights, featuring an average target of $10.22, a high estimate of $11.00, and a low estimate of $9.00. This upward trend is evident, with the current average reflecting a 6.9% increase from the previous average price target of $9.56.
<img src="https://www.benzinga.com/files/images/story/2024/1735646418_0.png" alt="price target chart" />
<h2>Breaking Down Analyst Ratings: A Detailed Examination</h2>
The standing of Valley Ntl among financial experts becomes clear with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Ben Gerlinger</td>
<td>Citigroup</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$10.00</td>
<td>$10.50</td>
</tr>
<tr>
<td>Jared Shaw</td>
<td>Barclays</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$11.00</td>
<td>$10.00</td>
</tr>
<tr>
<td>Steven Alexopoulos</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Overweight</td>
<td>$11.00</td>
<td>$10.50</td>
</tr>
<tr>
<td>Jared Shaw</td>
<td>Barclays</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$10.00</td>
<td>$9.00</td>
</tr>
<tr>
<td>Jon Arfstrom</td>
<td>RBC Capital</td>
<td>Raises</td>
<td>Outperform</td>
<td>$11.00</td>
<td>$10.00</td>
</tr>
<tr>
<td>Jared Shaw</td>
<td>Barclays</td>
<td>Raises</td>
<td>Underweight</td>
<td>$9.00</td>
<td>$8.00</td>
</tr>
<tr>
<td>Frank Schiraldi</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Neutral</td>
<td>$10.00</td>
<td>$9.00</td>
</tr>
<tr>
<td>David Chiaverini</td>
<td>Wedbush</td>
<td>Maintains</td>
<td>Neutral</td>
<td>$10.00</td>
<td>$10.00</td>
</tr>
<tr>
<td>Steven Alexopoulos</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Neutral</td>
<td>$10.00</td>
<td>$9.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts frequently update their recommendations based on evolving market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Valley Ntl. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Analyzing trends, analysts offer qualitative evaluations, ranging from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Valley Ntl compared to the broader market.</li>
<li>Price Targets: Understanding forecasts, analysts offer estimates for Valley Ntl's future value. Examining the current and prior targets provides insight into analysts' changing expectations.</li>
</ul>
For valuable insights into Valley Ntl's market performance, consider these analyst evaluations alongside crucial financial indicators. Stay well-informed and make prudent decisions using our Ratings Table.
<a href="https://www.benzinga.com/quote/VLY/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Valley Ntl analyst ratings.</a>
<h2>Get to Know Valley Ntl Better</h2>
Valley National Bancorp is a bank holding company whose principal wholly-owned subsidiary is Valley National Bank. It provides a full range of commercial, retail, and trust and investment services largely through its offices and ATM network throughout northern and central New Jersey, New York City Long Island, Florida, and Alabama. The segments of the group are commercial lending, consumer lending, investment management, and corporate and other adjustments, of which key interest income is derived from the commercial lending segment. In recent years, the company has focused on acquiring companies that operate outside of traditional banking and has emphasized wealth and capital management.
<h3>Financial Insights: Valley Ntl</h3>
Market Capitalization Analysis: Positioned below industry benchmarks, the company's market capitalization faces constraints in size. This could be influenced by factors such as growth expectations or operational capacity.
Revenue Challenges: Valley Ntl's revenue growth over 3 months faced difficulties. As of 30 September, 2024, the company experienced a decline of approximately -0.12%. This indicates a decrease in top-line earnings. In comparison to its industry peers, the company trails behind with a growth rate lower than the average among peers in the Financials sector.
Net Margin: Valley Ntl's net margin is below industry averages, indicating potential challenges in maintaining strong profitability. With a net margin of 19.78%, the company may face hurdles in effective cost management.
Return on Equity (ROE): Valley Ntl's ROE lags behind industry averages, suggesting challenges in maximizing returns on equity capital. With an ROE of 1.4%, the company may face hurdles in achieving optimal financial performance.
Return on Assets (ROA): Valley Ntl's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of 0.15%, the company may face hurdles in achieving optimal financial performance.
Debt Management: Valley Ntl's debt-to-equity ratio stands notably higher than the industry average, reaching 0.56. This indicates a heavier reliance on borrowed funds, raising concerns about financial leverage.
<h2>The Core of Analyst Ratings: What Every Investor Should Know</h2>
Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.
Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.
If you want to keep track of which analysts are outperforming others, you can view updated analyst ratings along withanalyst success scores in <a href="https://benzinga.grsm.io/register174">Benzinga Pro</a>.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Forecasting The Future: 9 Analyst Projections For Valley Ntl

Citigroup analyst Ben Gerlinger maintains Valley Ntl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VLY#NASDAQ">VLY</a>) with a Neutral and lowers the price target from $10.5 to $10.

Citigroup Maintains Neutral on Valley Ntl, Lowers Price Target to $10

Regional bank stocks have been on a tear since the 2024 U.S. election, with the SPDR S&amp;P Regional Banking ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KRE#NYSE">KRE</a>) climbing about 10% versus the broader <a href="https://www.benzinga.com/24/12/42536512/market-breadth-worsens-as-tech-giants-break-free-from-sp-500-reality-is-this-bullish-or-bearish-for-2025">S&amp;P 500&#8217;s 5% gain. </a>
Despite this already strong outperformance, JPMorgan analysts, led by Anthony Elian, CFA, see more upside.
The key drivers? A potential Trump administration's pro-business stance, easing regulation and a favorable interest rate backdrop.
In a note shared with clients on Tuesday, Elian indicated that investors — long on the sidelines due to frustrations such as regulation, rising deposit costs and the Spring 2023 banking turmoil — are beginning to show renewed interest in the sector.
&#8220;Our optimism for the group is not only driven by the likelihood of improving fundamentals next year in areas such as loan growth, deposit growth, and NIM expansion, but also tied to the fact that dozens of generalists and long only investors that we have spoken to since the election are showing increasing interest in the group but have not yet pulled the buy trigger en masse,&#8221; Elian said.
In essence, analysts at the U.S. largest investment bank are bullish on regional banks heading into 2025, with a strong case for 20% upside. 
Here's where they'd put $1,000 to work.
<h1 class="wp-block-heading">Why 2025 Could Be A Breakout Year For Regionals</h1>
According to JPMorgan, key catalysts driving stock gains across the industry next year include:
<ul>
<li>A revival in loan growth spurred by onshoring trends.</li>
<li>A deregulatory push from the upcoming Donald Trump&#8216;s administration, particularly if Basel III Endgame proposals are halted.</li>
<li>Improved M&amp;A activity, with banks like Comerica Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CMA#NYSE">CMA</a>), First Horizon Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FHN#NYSE">FHN</a>), and Zions Bancorporation (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ZION#NASDAQ">ZION</a>) potentially benefiting.</li>
<li>Lower corporate taxes supporting bottom-line profitability.</li>
<li>A steep yield curve and the Fed's expected rate cuts in 2025, which could reduce deposit costs and boost Net Interest Margins (NIM).</li>
</ul>
<h1 class="wp-block-heading">Rate Cuts, Deposit Costs: A Big Win For Banks</h1>
JPMorgan highlights that deposit costs, which are tied to the Fed funds rate, remain critical to bank profitability.
As of the third quarter of 2024, the median cost of interest-bearing deposits stood at 3.5%, with higher-paying banks like Texas Capital Bancshares Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TCBI#NASDAQ">TCBI</a>), Flagstar Financial Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FLG#NYSE">FLG</a>) and Valley National Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VLY#NASDAQ">VLY</a>) above 4%.
Banks paying higher rates have the most room to benefit as the Fed eases monetary policy in 2025. 
Lower-beta deposits, like those at First Hawaiian Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FHB#NASDAQ">FHB</a>) and Webster Financial Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WBS#NYSE">WBS</a>), offer less flexibility for adjustments. 
<h1 class="wp-block-heading">JPMorgan's $1,000 Allocation Strategy</h1>
For retail investors looking to capitalize on regional bank momentum, JPMorgan provides a clear allocation breakdown:
<figure class="wp-block-table is-style-stripes"> 
<table>
<thead>
<tr>
<th>Stock</th>
<th>Allocation ($)</th>
<th>Rating</th>
</tr>
</thead>
<tbody>
<tr>
<td>Western Alliance Bancorporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WAL#NYSE">WAL</a>)</td>
<td>$110</td>
<td>Overweight</td>
</tr>
<tr>
<td>First Citizens BancShares (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FCNCA#NASDAQ">FCNCA</a>)</td>
<td>$105</td>
<td>Overweight</td>
</tr>
<tr>
<td>Pinnacle Financial Partners (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PNFP#NASDAQ">PNFP</a>)</td>
<td>$102</td>
<td>Overweight</td>
</tr>
<tr>
<td>Synovus Financial Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SNV#NYSE">SNV</a>)</td>
<td>$94</td>
<td>Overweight</td>
</tr>
<tr>
<td>Webster Financial Corp. </td>
<td>$92</td>
<td>Overweight</td>
</tr>
<tr>
<td>Valley National Bancorp </td>
<td>$90</td>
<td>Overweight</td>
</tr>
<tr>
<td>Zions Bancorp. </td>
<td>$80</td>
<td>Neutral</td>
</tr>
<tr>
<td>First Horizon Corp. </td>
<td>$78</td>
<td>Neutral</td>
</tr>
<tr>
<td>Comerica Inc. </td>
<td>$65</td>
<td>Neutral</td>
</tr>
<tr>
<td>Flagstar Financial </td>
<td>$62</td>
<td>Neutral</td>
</tr>
<tr>
<td>Columbia Banking System (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/COLB#NASDAQ">COLB</a>)</td>
<td>$40</td>
<td>Neutral</td>
</tr>
<tr>
<td>First Hawaiian Inc. </td>
<td>$30</td>
<td>Underweight</td>
</tr>
<tr>
<td>Texas Capital Bancshares </td>
<td>$30</td>
<td>Underweight</td>
</tr>
</tbody>
</table>
</figure>
<h1 class="wp-block-heading">Top Picks For 2025</h1>
JPMorgan highlights Western Alliance Corp, First Citizens BancShares and Pinnacle Financial Partners Inc. its top picks for regional banks in 2025, citing their relative strength in loan growth, cost efficiency and positioning for upside.
JPMorgan also rates Synovus Financial Corp., Webster Financial Corp. and Valley National Bancorp at Overweight, pointing to solid fundamentals and opportunities for growth.
Read Next: 
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</ul>
The images used was created using artificial intelligence MidJourney.

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