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ConnectOne Bancorp (CNOB) Financials

ConnectOne Bancorp logo
$30.06 +0.30 (+1.01%)
As of 04:00 PM Eastern
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Annual Income Statements for ConnectOne Bancorp

Annual Income Statements for ConnectOne Bancorp

This table shows ConnectOne Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 41 31 43 60 73 71 129 119 81 68 74
Consolidated Net Income / (Loss)		 41 31 43 60 73 71 130 125 87 74 80
Net Income / (Loss) Continuing Operations		 41 31 43 60 73 71 130 125 87 74 80
Total Pre-Tax Income 		61 43 69 71 94 90 175 171 117 98 113
Total Revenue		 128 140 153 163 194 252 279 315 269 264 388
Net Interest Income / (Expense)		 117 130 145 157 186 238 263 302 255 247 353
Total Interest Income		 141 161 181 216 271 308 302 374 490 518 645
Loans and Leases Interest Income		 125 148 169 202 255 297 294 353 454 478 581
Investment Securities Interest Income		 15 13 12 14 15 11 7.79 18 25 27 46
Federal Funds Sold and Securities Borrowed Interest Income		 0.18 0.76 0.71 0.84 1.17 0.69 0.41 2.49 11 13 17
Total Interest Expense		 24 31 36 59 85 70 39 72 235 271 292
Deposits Interest Expense		 14 19 24 40 66 52 25 51 206 245 260
Long-Term Debt Interest Expense		 10 12 13 19 20 18 14 21 29 26 31
Total Non-Interest Income		 11 9.92 8.20 5.47 8.04 14 16 13 14 17 35
Other Service Charges		 2.91 2.90 2.72 2.58 4.03 7.08 6.62 7.47 6.10 6.86 15
Net Realized & Unrealized Capital Gains on Investments		 4.26 4.47 2.30 -0.21 0.53 2.32 4.30 0.17 1.59 2.73 3.71
Other Non-Interest Income		 4.01 2.56 3.18 3.09 3.48 5.01 4.77 5.60 6.32 7.14 16
Provision for Credit Losses		 13 39 6.00 21 8.10 41 -5.50 18 8.20 14 47
Total Non-Interest Expense		 54 59 79 70 92 121 109 126 144 152 229
Salaries and Employee Benefits		 28 31 35 40 49 59 64 81 88 90 111
Net Occupancy & Equipment Expense		 11 13 13 13 14 20 23 9.87 25 29 37
Marketing Expense		 0.85 1.04 1.00 0.98 1.35 1.20 1.32 1.69 1.97 2.42 3.18
Property & Liability Insurance Claims		 2.11 2.94 3.49 3.12 2.01 4.00 2.67 2.88 8.37 7.20 8.60
Other Operating Expenses		 9.24 10 26 12 14 18 16 28 19 20 25
Amortization Expense		 - - - 0.63 - 2.56 1.98 1.69 1.44 1.24 7.92
Restructuring Charge		 - 0.00 0.00 1.34 8.96 17 0.00 0.00 0.00 1.61 35
Income Tax Expense		 20 12 25 11 21 19 45 46 30 25 32
Preferred Stock Dividends Declared		 0.11 0.02 - - 0.00 0.00 1.72 6.04 6.04 6.04 6.04
Basic Earnings per Share		 $1.37 $1.02 $1.35 $1.87 $2.08 $1.80 $3.24 $3.03 $2.08 $1.77 $1.64
Weighted Average Basic Shares Outstanding		 30.10M 30.50M 32M 35.43M 39.70M 39.79M 39.61M 39.15M 38.40M 38.37M 50.27M
Diluted Earnings per Share		 $1.36 $1.01 $1.34 $1.86 $2.07 $1.79 $3.22 $3.01 $2.07 $1.76 $1.63
Weighted Average Diluted Shares Outstanding		 30.10M 30.50M 32M 35.43M 39.70M 39.79M 39.61M 39.15M 38.40M 38.37M 50.27M
Weighted Average Basic & Diluted Shares Outstanding		 30.10M 30.50M 32M 35.43M 39.70M 39.79M 39.61M 39.15M 38.40M 38.37M 50.27M
Cash Dividends to Common per Share		 $0.30 $0.30 $0.30 $0.00 $0.36 $0.27 $0.48 $0.60 $0.67 $0.71 $0.72

Quarterly Income Statements for ConnectOne Bancorp

This table shows ConnectOne Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 20 18 16 18 16 19 19 -22 39 38 36
Consolidated Net Income / (Loss)		 21 19 17 19 17 20 20 -20 41 40 38
Net Income / (Loss) Continuing Operations		 21 19 17 19 17 20 20 -20 41 40 38
Total Pre-Tax Income 		29 25 23 26 23 26 27 -25 57 53 53
Total Revenue		 66 66 64 66 66 68 70 84 121 113 116
Net Interest Income / (Expense)		 62 62 60 61 61 65 66 79 102 107 109
Total Interest Income		 124 129 130 130 130 128 125 146 188 186 184
Loans and Leases Interest Income		 115 121 120 120 119 118 115 132 166 168 168
Investment Securities Interest Income		 6.17 6.36 6.61 7.02 6.91 6.87 6.97 9.64 15 15 14
Federal Funds Sold and Securities Borrowed Interest Income		 2.11 1.96 2.91 2.84 4.06 2.82 2.47 4.07 6.64 4.25 2.39
Total Interest Expense		 61 67 69 69 69 63 59 67 86 80 76
Deposits Interest Expense		 56 59 60 62 64 59 54 60 75 71 66
Long-Term Debt Interest Expense		 5.29 7.80 8.90 6.48 5.57 4.75 5.04 6.91 10 8.89 9.91
Total Non-Interest Income		 3.56 4.21 3.85 4.40 4.74 3.74 4.45 5.19 19 6.02 6.80
Other Service Charges		 1.61 1.55 1.59 1.65 1.82 1.80 2.01 2.57 3.84 6.79 3.28
Net Realized & Unrealized Capital Gains on Investments		 0.36 1.03 0.59 1.07 0.78 0.29 0.86 0.53 2.53 -0.22 0.56
Other Non-Interest Income		 1.60 1.64 1.66 1.68 2.15 1.66 1.58 2.09 13 -0.56 2.95
Provision for Credit Losses		 1.50 2.70 4.00 2.50 3.80 3.50 3.50 36 5.50 2.30 5.20
Total Non-Interest Expense		 36 38 37 38 39 38 39 74 59 57 58
Salaries and Employee Benefits		 22 22 22 23 23 22 23 25 32 31 33
Net Occupancy & Equipment Expense		 2.74 -0.35 7.40 7.10 7.35 -1.57 2.68 8.27 10 11 11
Marketing Expense		 0.55 0.32 0.68 0.61 0.64 0.50 0.60 0.84 0.77 0.97 0.93
Property & Liability Insurance Claims		 1.80 3.90 1.80 1.80 1.80 1.80 1.80 2.00 2.40 2.40 2.00
Other Operating Expenses		 8.09 12 4.74 5.04 4.86 15 10 5.31 6.65 8.03 6.62
Amortization Expense		 0.35 0.35 0.32 0.32 0.30 0.30 0.28 1.25 3.20 3.20 2.85
Restructuring Charge		 0.00 - 0.00 0.00 0.74 - 1.32 31 2.89 0.50 2.13
Income Tax Expense		 7.23 6.21 5.88 6.69 6.02 6.09 7.16 -4.99 16 14 15
Preferred Stock Dividends Declared		 1.51 1.51 1.51 1.51 1.51 1.51 1.51 1.51 1.51 1.51 1.51
Basic Earnings per Share		 $0.51 $0.46 $0.41 $0.46 $0.41 $0.49 $0.49 ($0.52) $0.79 $0.88 $0.72
Weighted Average Basic Shares Outstanding		 38.61M 38.40M 38.33M 38.37M 38.37M 38.37M 38.47M 50.27M 50.27M 50.27M 50.29M
Diluted Earnings per Share		 $0.51 $0.46 $0.41 $0.46 $0.41 $0.48 $0.49 ($0.52) $0.78 $0.88 $0.72
Weighted Average Diluted Shares Outstanding		 38.61M 38.40M 38.33M 38.37M 38.37M 38.37M 38.47M 50.27M 50.27M 50.27M 50.29M
Weighted Average Basic & Diluted Shares Outstanding		 38.61M 38.40M 38.33M 38.37M 38.37M 38.37M 38.47M 50.27M 50.27M 50.27M 50.29M
Cash Dividends to Common per Share		 $0.17 $0.15 $0.17 $0.18 $0.18 $0.18 $0.18 $0.18 $0.18 - $0.18

Annual Cash Flow Statements for ConnectOne Bancorp

This table details how cash moves in and out of ConnectOne Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 74 -0.50 -51 23 29 102 -38 2.78 -26 114 24
Net Cash From Operating Activities		 46 50 131 89 61 81 202 177 93 61 106
Net Cash From Continuing Operating Activities		 46 50 131 89 61 81 202 177 93 61 106
Net Income / (Loss) Continuing Operations		 41 31 43 60 73 71 130 125 87 74 80
Consolidated Net Income / (Loss)		 41 31 43 60 73 71 130 125 87 74 80
Provision For Loan Losses		 13 39 6.00 21 8.10 41 -5.50 18 8.20 14 47
Depreciation Expense		 2.31 2.70 3.15 3.06 3.05 4.24 3.76 3.86 4.50 4.42 6.09
Amortization Expense		 2.80 2.70 3.32 4.12 6.25 1.52 2.86 1.01 1.77 1.68 -16
Non-Cash Adjustments to Reconcile Net Income		 -12 -8.03 53 -0.68 -4.38 1.20 13 4.95 11 -5.17 -7.23
Changes in Operating Assets and Liabilities, net		 -0.82 -17 23 1.11 -26 -38 58 24 -20 -28 -3.85
Net Cash From Investing Activities		 -505 -428 -818 -357 -102 -323 -690 -1,543 -248 55 -186
Net Cash From Continuing Investing Activities		 -505 -428 -818 -357 -103 -323 -690 -1,543 -248 55 -186
Purchase of Property, Leasehold Improvements and Equipment		 -3.88 -2.70 -2.66 -2.05 -1.53 -2.20 -2.78 -3.30 -7.43 -3.79 -5.39
Purchase of Investment Securities		 -646 -674 -958 -503 -476 -688 -974 -1,691 -305 -13 -625
Sale of Property, Leasehold Improvements and Equipment		 0.00 0.45 0.01 1.63 0.02 0.00 0.11 0.70 0.00 1.28 0.00
Sale and/or Maturity of Investments		 146 249 143 146 363 279 286 151 65 71 444
Net Cash From Financing Activities		 533 377 636 291 71 345 449 1,369 130 -2.08 104
Net Cash From Continuing Financing Activities		 533 377 636 291 71 345 449 1,369 130 -2.08 104
Net Change in Deposits		 316 553 451 297 260 411 376 1,024 180 284 168
Issuance of Debt		 899 375 1,280 1,807 2,597 1,600 340 4,203 2,947 867 1,166
Repayment of Debt		 -656 -570 -1,071 -1,803 -2,762 -1,650 -348 -3,814 -2,946 -1,112 -1,190
Repurchase of Common Equity		 0.00 0.00 -0.18 0.00 -13 -0.91 -9.40 -13 -17 -5.82 0.00
Payment of Dividends		 -9.11 -9.09 -9.61 -9.66 -12 -14 -19 -29 -32 -33 -38
Other Financing Activities, Net		 -17 0.88 -14 0.06 0.36 -0.41 -1.18 -2.01 -1.80 -1.40 -2.23
Cash Interest Paid		 23 31 37 56 89 75 42 68 231 271 286
Cash Income Taxes Paid		 18 23 16 9.09 18 27 45 49 32 24 44

Quarterly Cash Flow Statements for ConnectOne Bancorp

This table details how cash moves in and out of ConnectOne Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -67 -11 35 16 -46 109 -64 304 -54 -162 -36
Net Cash From Operating Activities		 27 28 21 22 -14 32 15 6.46 37 48 15
Net Cash From Continuing Operating Activities		 27 28 21 22 -14 32 15 6.46 37 48 15
Net Income / (Loss) Continuing Operations		 21 19 17 19 17 20 20 -20 41 40 38
Consolidated Net Income / (Loss)		 21 19 17 19 17 20 20 -20 41 40 38
Provision For Loan Losses		 1.50 2.70 4.00 2.50 3.80 3.50 3.50 36 5.50 2.30 5.20
Depreciation Expense		 1.14 1.15 1.10 1.08 1.10 1.14 1.10 1.33 1.84 1.82 1.81
Amortization Expense		 0.36 0.40 0.39 0.44 0.41 0.44 0.42 -2.40 -7.26 -6.83 -6.70
Non-Cash Adjustments to Reconcile Net Income		 1.04 3.07 -0.84 -0.89 -1.09 -2.35 0.00 -0.72 -1.67 -4.84 -12
Changes in Operating Assets and Liabilities, net		 1.47 1.74 -1.34 0.11 -36 9.15 -10 -7.15 -2.05 16 -11
Net Cash From Investing Activities		 -39 -172 33 136 43 -157 59 40 -145 -140 -233
Net Cash From Continuing Investing Activities		 -39 -172 33 136 43 -157 59 40 -145 -140 -233
Purchase of Property, Leasehold Improvements and Equipment		 -0.47 -3.48 -0.14 -0.13 -1.27 -2.26 -0.26 -0.07 -3.46 -1.60 -1.29
Purchase of Investment Securities		 -56 -184 -27 119 25 -177 36 -242 -164 -184 -325
Sale and/or Maturity of Investments		 17 15 60 17 19 22 23 282 22 46 93
Net Cash From Financing Activities		 -54 133 -19 -142 -74 234 -138 258 54 -70 181
Net Cash From Continuing Financing Activities		 -54 133 -19 -142 -74 234 -138 258 54 -70 181
Net Change in Deposits		 -100 98 52 -13 -52 296 -53 260 90 -129 272
Issuance of Debt		 1,015 555 445 151 35 236 365 575 50 176 698
Repayment of Debt		 -955 -509 -501 -272 -49 -290 -440 -568 -75 -106 -774
Repurchase of Common Equity		 -6.23 -2.19 -5.82 - - - 0.00 - - - -2.39
Payment of Dividends		 -8.13 -8.08 -8.06 -8.42 -8.42 -8.42 -8.42 -8.44 -11 -11 -11
Other Financing Activities, Net		 0.01 -0.06 -1.32 - -0.08 - -1.63 -0.51 -0.10 - -1.94
Cash Interest Paid		 59 67 67 70 68 65 59 60 83 84 73
Cash Income Taxes Paid		 8.72 4.27 11 4.73 5.49 2.92 1.51 35 - 7.57 8.62

Annual Balance Sheets for ConnectOne Bancorp

This table presents ConnectOne Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 4,016 4,426 5,108 5,462 6,174 7,547 8,129 9,645 9,856 9,880 14,003
Cash and Due from Banks		 31 37 53 39 66 64 320 62 61 58 92
Interest Bearing Deposits at Other Banks		 170 163 97 133 136 240 211 207 181 299 288
Trading Account Securities		 420 353 435 423 416 501 535 651 636 633 1,270
Loans and Leases, Net of Allowance		 3,072 3,476 4,140 4,506 5,075 6,157 6,750 -91 -82 8,192 11,299
Loans and Leases		 3,099 3,476 4,171 4,541 5,114 6,236 6,829 - - 8,275 11,453
Allowance for Loan and Lease Losses		 27 - 32 35 38 79 79 91 82 83 154
Loans Held for Sale		 0.00 78 25 0.00 33 4.71 - 14 0.00 0.74 0.39
Premises and Equipment, Net		 22 22 22 19 19 30 29 28 31 28 55
Goodwill		 146 146 146 146 163 208 208 208 208 208 220
Intangible Assets		 3.91 3.09 2.36 1.74 5.46 11 9.00 7.31 0.00 0.00 0.00
Other Assets		 151 148 189 193 261 331 291 8,469 8,732 456 717
Total Liabilities & Shareholders' Equity		 4,016 4,426 5,108 5,462 6,174 7,547 7,457 9,645 9,856 9,880 14,003
Total Liabilities		 3,539 3,895 4,543 4,848 5,443 6,632 6,333 8,466 8,639 8,638 12,429
Non-Interest Bearing Deposits		 651 695 777 769 862 1,339 1,617 1,502 1,259 1,422 2,420
Interest Bearing Deposits		 2,140 2,649 3,018 3,324 3,906 4,620 4,716 5,855 6,277 6,398 8,820
Long-Term Debt		 726 531 725 729 629 629 - 1,011 1,013 768 1,105
Other Long-Term Liabilities		 - - - 28 46 44 - 99 90 50 83
Commitments & Contingencies		 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 477 531 565 614 731 915 1,124 1,179 1,217 1,242 1,573
Total Preferred & Common Equity		 477 531 565 614 731 915 1,124 1,179 1,217 1,242 1,573
Preferred Stock		 11 0.00 0.00 0.00 0.00 0.00 111 111 111 111 111
Total Common Equity		 466 531 565 614 731 915 1,013 1,068 1,106 1,131 1,462
Common Stock		 383 424 426 428 490 611 614 617 620 623 897
Retained Earnings		 105 126 160 211 272 332 440 536 591 631 674
Treasury Stock		 -17 -17 -17 -17 -29 -30 -40 -53 -70 -76 -76
Accumulated Other Comprehensive Income / (Loss)		 -4.61 -2.85 -4.02 -8.79 -1.15 2.80 -1.40 -32 -35 -48 -32

Quarterly Balance Sheets for ConnectOne Bancorp

This table presents ConnectOne Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 9,478 9,960 9,724 9,679 9,854 9,724 9,640 9,759 13,916 14,024 14,210
Cash and Due from Banks		 59 58 56 56 45 47 61 50 98 97 39
Interest Bearing Deposits at Other Banks		 275 504 264 197 232 246 186 243 499 446 305
Trading Account Securities		 639 647 631 600 639 640 667 656 1,247 1,272 1,216
Loans and Leases, Net of Allowance		 7,809 -87 -89 -88 -83 -82 -82 -82 11,008 11,147 11,583
Loans and Leases		 7,900 - - - - - - - 11,164 11,304 11,736
Allowance for Loan and Lease Losses		 92 87 89 88 83 82 82 82 156 156 153
Loans Held for Sale		 8.08 11 1.09 0.00 - 0.44 - 0.20 1.03 0.00 10
Premises and Equipment, Net		 29 30 29 28 30 29 29 28 54 56 55
Goodwill		 208 208 208 208 208 208 208 208 216 216 220
Intangible Assets		 7.72 6.94 6.57 6.22 5.55 5.23 4.94 0.00 0.00 0.00 57
Other Assets		 444 8,495 8,528 8,583 8,694 8,547 8,483 8,570 727 727 724
Total Liabilities & Shareholders' Equity		 9,478 9,960 9,724 9,679 9,854 9,724 9,640 9,759 13,916 14,024 14,210
Total Liabilities		 8,330 8,769 8,525 8,491 8,637 8,500 8,400 8,506 12,419 12,485 12,618
Non-Interest Bearing Deposits		 1,666 1,345 1,356 1,224 1,291 1,269 1,263 1,319 2,425 2,513 2,394
Interest Bearing Deposits		 5,645 6,408 6,182 6,214 6,298 6,307 6,262 6,448 8,854 8,856 9,119
Long-Term Debt		 983 932 907 967 957 836 822 693 1,060 1,035 1,030
Other Long-Term Liabilities		 36 85 79 85 92 88 54 46 80 81 75
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,148 1,191 1,199 1,188 1,217 1,224 1,239 1,253 1,496 1,538 1,592
Total Preferred & Common Equity		 1,148 1,191 1,199 1,188 1,217 1,224 1,239 1,253 1,496 1,538 1,592
Preferred Stock		 111 111 111 111 111 111 111 111 111 111 111
Total Common Equity		 1,037 1,080 1,088 1,077 1,106 1,113 1,129 1,142 1,386 1,427 1,481
Common Stock		 616 618 618 619 620 621 622 623 894 896 896
Retained Earnings		 511 553 566 580 600 611 619 643 615 645 701
Treasury Stock		 -53 -58 -62 -68 -76 -76 -76 -76 -76 -76 -79
Accumulated Other Comprehensive Income / (Loss)		 -36 -34 -34 -53 -38 -42 -37 -48 -47 -37 -38

Annual Metrics And Ratios for ConnectOne Bancorp

This table displays calculated financial ratios and metrics derived from ConnectOne Bancorp's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.38 $1.02 $1.35 $1.87 $2.08 $1.80 $3.24 $3.03 $2.08 $1.77 $1.64
Adjusted Weighted Average Basic Shares Outstanding		 29.94M 31.97M 32.12M 35.43M 39.70M 39.79M 39.61M 39.15M 38.40M 38.37M 50.27M
Adjusted Diluted Earnings per Share		 $1.36 $1.01 $1.34 $1.86 $2.07 $1.79 $3.22 $3.01 $2.07 $1.76 $1.63
Adjusted Weighted Average Diluted Shares Outstanding		 30.28M 31.97M 32.12M 35.43M 39.70M 39.79M 39.61M 39.15M 38.40M 38.37M 50.27M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $2.08 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 30.09M 31.97M 32.12M 35.43M 39.70M 39.79M 39.61M 39.15M 38.40M 38.37M 50.27M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for ConnectOne Bancorp

This table displays calculated financial ratios and metrics derived from ConnectOne Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 50,273,382.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 50,273,382.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 0.75
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -19.10% -19.00% -8.20% -2.14% -0.45% 3.67% 9.45% 27.69% 85.03% - 64.66%
EBITDA Growth		 -25.40% -41.15% -31.33% -9.88% -18.10% 3.68% 17.68% -196.64% 109.98% - 64.71%
EBIT Growth		 -27.21% -43.24% -32.12% -10.71% -19.04% 3.81% 18.71% -198.20% 146.96% - 91.71%
NOPAT Growth		 -25.97% -40.80% -30.98% -10.93% -19.83% 5.70% 17.65% -192.87% 138.77% - 86.85%
Net Income Growth		 -25.97% -40.80% -30.98% -10.93% -19.83% 5.70% 17.65% -206.49% 138.77% - 86.85%
EPS Growth		 -27.14% -41.03% -30.51% -9.80% -19.61% 4.35% 19.51% -213.04% 90.24% - 46.94%
Operating Cash Flow Growth		 12.28% -65.38% 25.33% 4.86% -153.33% 13.80% -27.44% -71.04% 360.13% - 2.87%
Free Cash Flow Firm Growth		 99.63% 94.25% 91.40% -24.58% 5,082.95% 1,258.78% 831.40% -889.26% -525.24% - -357.01%
Invested Capital Growth		 1.11% 1.83% 2.41% -2.19% -4.34% -9.86% -10.47% 24.11% 24.84% - 34.69%
Revenue Q/Q Growth		 -2.02% 0.17% -2.85% 2.63% -0.33% 4.31% 2.56% 19.74% 44.44% - 2.65%
EBITDA Q/Q Growth		 -0.39% -10.31% -9.10% 10.97% -9.48% 13.55% 3.18% -191.13% 296.68% - -1.51%
EBIT Q/Q Growth		 -0.68% -11.00% -9.43% 11.53% -9.95% 14.12% 3.57% -192.26% 326.47% - -1.57%
NOPAT Q/Q Growth		 0.06% -9.97% -10.73% 10.76% -9.94% 18.71% -0.63% -187.43% 331.55% - -4.29%
Net Income Q/Q Growth		 0.06% -9.97% -10.73% 10.76% -9.94% 18.71% -0.63% -200.25% 301.92% - -4.29%
EPS Q/Q Growth		 0.00% -9.80% -10.87% 12.20% -10.87% 17.07% 2.08% -206.12% 250.00% - -18.18%
Operating Cash Flow Q/Q Growth		 26.61% 5.23% -27.56% 8.65% -164.39% 324.54% -53.81% -56.64% 478.44% - -67.88%
Free Cash Flow Firm Q/Q Growth		 -102.57% -832.84% -63.46% 292.28% 69.95% 116.93% 3.17% -307.49% 8.43% - -1.23%
Invested Capital Q/Q Growth		 2.32% 3.46% -2.51% -5.23% 0.07% -2.51% -3.17% 31.38% 0.65% - -2.15%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 45.73% 40.94% 38.31% 41.42% 37.62% 40.95% 41.20% -31.35% 42.69% - 41.21%
EBIT Margin		 43.44% 38.60% 35.98% 39.10% 35.33% 38.65% 39.03% -30.07% 47.15% - 45.44%
Profit (Net Income) Margin		 32.47% 29.19% 26.82% 28.94% 26.15% 29.76% 28.83% -24.14% 33.75% - 32.72%
Tax Burden Percent		 74.76% 75.62% 74.54% 74.02% 74.02% 77.00% 73.87% 80.27% 71.57% - 72.00%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00%
Effective Tax Rate		 25.24% 24.38% 25.46% 25.98% 25.98% 23.00% 26.13% 0.00% 28.43% - 28.00%
Return on Invested Capital (ROIC)		 4.31% 3.55% 3.29% 3.64% 3.25% 3.71% 3.78% -2.63% 5.01% - 6.21%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.31% 3.55% 3.29% 3.64% 3.25% 3.71% 3.78% -2.90% 5.01% - 6.21%
Return on Net Nonoperating Assets (RNNOA)		 3.60% 3.00% 2.58% 2.62% 2.39% 2.69% 2.53% -2.02% 3.35% - 3.76%
Return on Equity (ROE)		 7.91% 6.56% 5.87% 6.26% 5.64% 6.39% 6.31% -4.65% 8.36% - 9.98%
Cash Return on Invested Capital (CROIC)		 3.58% 2.13% 1.31% 5.91% 7.89% 13.86% 14.78% -19.89% -19.45% - -25.27%
Operating Return on Assets (OROA)		 1.29% 1.07% 0.96% 1.05% 0.96% 1.03% 1.08% -0.73% 1.37% - 1.64%
Return on Assets (ROA)		 0.96% 0.81% 0.71% 0.78% 0.71% 0.80% 0.79% -0.59% 0.98% - 1.18%
Return on Common Equity (ROCE)		 7.16% 5.95% 5.33% 5.68% 5.12% 5.82% 5.74% -4.27% 7.69% - 9.20%
Return on Equity Simple (ROE_SIMPLE)		 8.44% 0.00% 6.52% 6.28% 5.86% 0.00% 6.13% 2.50% 3.98% - 6.16%
Net Operating Profit after Tax (NOPAT)		 21 19 17 19 17 20 20 -18 41 - 38
NOPAT Margin		 32.47% 29.19% 26.82% 28.94% 26.15% 29.76% 28.83% -21.05% 33.75% - 32.72%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.27% 0.00% - 0.00%
SG&A Expenses to Revenue		 38.75% 33.21% 47.19% 39.94% 40.35% 30.73% 43.37% 40.85% 35.85% - 38.31%
Operating Expenses to Revenue		 54.28% 57.31% 57.78% 57.10% 58.88% 56.24% 55.98% 87.61% 48.32% - 50.06%
Earnings before Interest and Taxes (EBIT)		 29 25 23 26 23 26 27 -25 57 - 53
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 30 27 25 27 25 28 29 -26 52 - 48
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.61 0.77 0.66 0.64 0.84 0.77 0.82 0.64 0.87 - 0.91
Price to Tangible Book Value (P/TBV)		 0.77 0.95 0.82 0.79 1.04 0.95 1.00 0.76 1.03 - 1.12
Price to Revenue (P/Rev)		 2.32 3.16 2.77 2.71 3.63 3.31 3.45 3.07 3.62 - 3.10
Price to Earnings (P/E)		 7.01 10.50 9.97 9.99 14.23 12.89 13.18 28.12 22.57 - 14.63
Dividend Yield		 4.74% 3.02% 3.60% 3.73% 2.83% 3.12% 2.96% 3.13% 2.90% - 2.69%
Earnings Yield		 14.26% 9.52% 10.03% 10.01% 7.03% 7.76% 7.59% 3.56% 4.43% - 6.84%
Enterprise Value to Invested Capital (EV/IC)		 0.69 0.78 0.70 0.66 0.79 0.69 0.74 0.57 0.72 - 0.82
Enterprise Value to Revenue (EV/Rev)		 5.22 6.43 5.77 5.20 6.25 5.29 5.35 5.06 5.38 - 4.94
Enterprise Value to EBITDA (EV/EBITDA)		 10.45 14.05 13.57 12.49 15.78 13.35 13.26 26.39 22.45 - 17.63
Enterprise Value to EBIT (EV/EBIT)		 10.89 14.80 14.34 13.23 16.76 14.17 14.05 28.19 21.56 - 15.53
Enterprise Value to NOPAT (EV/NOPAT)		 14.81 19.90 19.18 17.70 22.48 18.91 18.80 38.93 30.19 - 21.85
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.15 18.64 15.67 13.89 28.77 22.99 26.23 37.20 20.35 - 20.05
Enterprise Value to Free Cash Flow (EV/FCFF)		 19.38 36.84 53.96 11.07 9.83 4.75 4.74 0.00 0.00 - 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.81 0.83 0.79 0.68 0.66 0.62 0.55 0.71 0.67 - 0.65
Long-Term Debt to Equity		 0.81 0.83 0.79 0.68 0.66 0.62 0.55 0.71 0.67 - 0.65
Financial Leverage		 0.83 0.84 0.78 0.72 0.74 0.72 0.67 0.70 0.67 - 0.61
Leverage Ratio		 8.20 8.14 8.23 8.02 7.96 8.03 7.94 8.69 8.52 - 8.43
Compound Leverage Factor		 8.20 8.14 8.23 8.02 7.96 8.03 7.94 8.69 8.52 - 8.43
Debt to Total Capital		 44.87% 45.43% 44.03% 40.57% 39.87% 38.21% 35.62% 41.47% 40.22% - 39.28%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Long-Term Debt to Total Capital		 44.87% 45.43% 44.03% 40.57% 39.87% 38.21% 35.62% 41.47% 40.22% - 39.28%
Preferred Equity to Total Capital		 5.15% 4.98% 5.10% 5.38% 5.38% 5.52% 5.70% 4.34% 4.31% - 4.23%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Common Equity to Total Capital		 49.99% 49.59% 50.87% 54.04% 54.75% 56.27% 58.68% 54.19% 55.47% - 56.49%
Debt to EBITDA		 6.80 8.22 8.54 7.67 7.94 7.34 6.36 19.18 12.56 - 8.47
Net Debt to EBITDA		 5.02 6.25 6.07 4.97 5.55 3.94 3.68 8.39 5.97 - 5.64
Long-Term Debt to EBITDA		 6.80 8.22 8.54 7.67 7.94 7.34 6.36 19.18 12.56 - 8.47
Debt to NOPAT		 9.64 11.64 12.07 10.86 11.31 10.41 9.02 28.29 16.89 - 10.50
Net Debt to NOPAT		 7.12 8.85 8.57 7.05 7.91 5.58 5.21 12.38 8.03 - 6.99
Long-Term Debt to NOPAT		 9.64 11.64 12.07 10.86 11.31 10.41 9.02 28.29 16.89 - 10.50
Noncontrolling Interest Sharing Ratio		 9.50% 9.26% 9.21% 9.15% 9.14% 9.02% 8.98% 8.15% 7.99% - 7.80%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -2.22 -21 -34 65 111 240 248 -514 -471 - -637
Operating Cash Flow to CapEx		 5,728.30% 813.38% 14,871.01% 17,837.60% -1,127.89% 1,428.40% 5,661.98% 9,495.59% 1,080.73% - 1,191.21%
Free Cash Flow to Firm to Interest Expense		 -0.04 -0.31 -0.49 0.95 1.60 3.79 4.20 -7.66 -5.50 - -8.43
Operating Cash Flow to Interest Expense		 0.44 0.42 0.30 0.33 -0.21 0.51 0.25 0.10 0.44 - 0.20
Operating Cash Flow Less CapEx to Interest Expense		 0.43 0.37 0.29 0.32 -0.23 0.47 0.25 0.10 0.40 - 0.19
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.02 0.03 - 0.04
Fixed Asset Turnover		 9.99 9.19 8.86 9.04 9.10 8.92 9.40 6.93 8.10 - 10.53
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,155 2,230 2,174 2,060 2,061 2,010 1,946 2,557 2,573 - 2,621
Invested Capital Turnover		 0.13 0.12 0.12 0.13 0.12 0.12 0.13 0.12 0.15 - 0.19
Increase / (Decrease) in Invested Capital		 24 40 51 -46 -94 -220 -228 497 512 - 675
Enterprise Value (EV)		 1,485 1,731 1,520 1,362 1,634 1,396 1,444 1,459 1,851 - 2,142
Market Capitalization		 661 850 730 709 948 873 933 884 1,247 - 1,346
Book Value per Share		 $27.67 $28.64 $28.84 $29.04 $29.41 $29.47 $29.76 $36.02 $28.39 - $29.45
Tangible Book Value per Share		 $22.15 $23.24 $23.26 $23.47 $23.85 $23.92 $24.33 $30.41 $24.11 - $23.94
Total Capital		 2,155 2,230 2,174 2,060 2,061 2,010 1,946 2,557 2,573 - 2,621
Total Debt		 967 1,013 957 836 822 768 693 1,060 1,035 - 1,030
Total Long-Term Debt		 967 1,013 957 836 822 768 693 1,060 1,035 - 1,030
Net Debt		 714 770 680 542 575 412 401 464 492 - 685
Capital Expenditures (CapEx)		 0.47 3.48 0.14 0.13 1.27 2.26 0.26 0.07 3.46 - 1.29
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.60 0.00 - 0.00
Net Nonoperating Obligations (NNO)		 967 1,013 957 836 822 768 693 1,060 1,035 - 1,030
Total Depreciation and Amortization (D&A)		 1.51 1.55 1.49 1.53 1.50 1.57 1.52 -1.08 -5.42 - -4.90
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.51 $0.46 $0.41 $0.46 $0.41 $0.49 $0.49 ($0.52) $0.79 $0.88 $0.72
Adjusted Weighted Average Basic Shares Outstanding		 38.61M 38.40M 38.33M 38.37M 38.37M 38.37M 38.47M 50.27M 50.27M 50.27M 50.29M
Adjusted Diluted Earnings per Share		 $0.51 $0.46 $0.41 $0.46 $0.41 $0.48 $0.49 ($0.52) $0.78 $0.88 $0.72
Adjusted Weighted Average Diluted Shares Outstanding		 38.61M 38.40M 38.33M 38.37M 38.37M 38.37M 38.47M 50.27M 50.27M 50.27M 50.29M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 38.61M 38.40M 38.33M 38.37M 38.37M 38.37M 38.47M 50.27M 50.27M 50.27M 50.29M
Normalized Net Operating Profit after Tax (NOPAT)		 21 19 17 19 18 20 21 3.82 43 - 39
Normalized NOPAT Margin		 32.47% 29.19% 26.82% 28.94% 26.99% 29.76% 30.22% 4.55% 35.45% - 34.04%
Pre Tax Income Margin		 43.44% 38.60% 35.98% 39.10% 35.33% 38.65% 39.03% -30.07% 47.15% - 45.44%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.47 0.38 0.33 0.38 0.33 0.42 0.46 -0.38 0.67 - 0.69
NOPAT to Interest Expense		 0.35 0.29 0.25 0.28 0.25 0.32 0.34 -0.26 0.48 - 0.50
EBIT Less CapEx to Interest Expense		 0.46 0.33 0.33 0.37 0.32 0.38 0.46 -0.38 0.63 - 0.68
NOPAT Less CapEx to Interest Expense		 0.34 0.24 0.25 0.28 0.23 0.29 0.34 -0.26 0.44 - 0.48
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 31.38% 36.72% 40.90% 42.47% 45.36% 45.15% 43.84% 89.93% 58.49% - 40.94%
Augmented Payout Ratio		 46.64% 56.83% 64.19% 60.98% 56.38% 53.04% 43.84% 89.93% 58.49% - 43.38%

Financials Breakdown Chart

Key Financial Trends

Here are the key takeaways for ConnectOne Bancorp (CNOB) based on the company’s quarterly data through 2025. The last four quarters show meaningful movement in net interest income, topline growth momentum in mid-2025, and solid earnings per share, with a continued strong deposit base and liquidity.

  • Net interest income rose strongly in 2025, climbing from about $65.8 million in Q1 2025 to about $106.6 million in Q4 2025, reflecting improved loan yields and ongoing loan growth.
  • Total revenue hit a high in Q3 2025 at roughly $121.4 million, then stood at about $112.6 million in Q4 2025, signaling solid topline momentum before a modest pullback.
  • Earnings per share improved in the latest quarter, with diluted EPS at $0.88 in Q4 2025 (and basic EPS also $0.88), supported by net income to common of about $38.0 million.
  • Dividend per share remained steady at $0.18 per common share across 2025, supporting ongoing shareholder returns.
  • Deposits remain robust, with the late-2025 balance sheet showing a large, stable funding base (roughly around $11.4B in late 2025), underpinning liquidity and funding stability.
  • Operating cash flow stayed positive, with Net Cash From Continuing Operating Activities around $47.7 million in Q4 2025 and positive cash generation in prior quarters, supporting liquidity.
  • The loan portfolio continued to grow, with Loans and Leases Net of Allowance around $11.1B by Q3 2025 (up modestly from earlier quarters), indicating ongoing loan growth.
  • Shares remain about the same size per share basis, with Weighted Average Basic Shares Outstanding around 50.27 million, and diluted shares near the same level, helping maintain per-share metrics.
  • Non-interest income shows volatility, with a notable spike in Q3 2025 (about $19.4 million) followed by a much smaller figure in Q4 2025 (about $6.0 million), suggesting earnings variability from non-core activities.
  • Cash flow from financing activities pulled cash lower in Q4 2025, as Net Change in Cash & Equivalents was about a negative $161.8 million, reflecting financing and debt activities rather than immediate liquidity risk; investors should monitor ongoing liquidity and financing needs.

Notes on data context: The observations above draw on CNOB’s quarterly data from 2022 through 2025, focusing on the most recent year to highlight trend direction. Key figures include Net Interest Income (CNOB’s core driver) moving higher in 2025, quarterly Total Revenue peaking in Q3 2025, and per-share measures (EPS) improving in Q4 2025. The balance sheet shows a robust deposit base and growth in the loan portfolio, while non-interest income remains more volatile across quarters. Finally, cash flow from continuing operations remained positive in most quarters, with a notable negative net change in cash and equivalents in Q4 2025 driven by financing activities.

05/26/26 09:26 PM ETAI Generated. May Contain Errors.

ConnectOne Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, ConnectOne Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

ConnectOne Bancorp's net income appears to be on an upward trend, with a most recent value of $80.44 million in 2025, rising from $41.31 million in 2015. The previous period was $73.79 million in 2024. See where experts think ConnectOne Bancorp is headed by visiting ConnectOne Bancorp's forecast page.

Over the last 10 years, ConnectOne Bancorp's total revenue changed from $128.33 million in 2015 to $388.32 million in 2025, a change of 202.6%.

ConnectOne Bancorp's total liabilities were at $12.43 billion at the end of 2025, a 43.9% increase from 2024, and a 251.3% increase since 2015.

In the past 10 years, ConnectOne Bancorp's cash and equivalents has ranged from $31.29 million in 2015 to $319.89 million in 2021, and is currently $92.41 million as of their latest financial filing in 2025.


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Financial statements for NASDAQ:CNOB last updated on 5/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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