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ConnectOne Bancorp (CNOBP) Financials

ConnectOne Bancorp logo
$22.66 -0.03 (-0.13%)
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 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Income / (Loss) Attributable to Common Shareholders		 68 81 119 129 71 73 60 43 31 41 18
Consolidated Net Income / (Loss)		 74 87 125 130 71 73 60 43 31 41 19
Net Income / (Loss) Continuing Operations		 74 87 125 130 71 73 60 43 31 41 19
Total Pre-Tax Income 		98 117 171 175 90 94 71 69 43 61 27
Total Revenue		 264 269 315 279 252 194 163 153 140 128 87
Net Interest Income / (Expense)		 247 255 302 263 238 186 157 145 130 117 79
Total Interest Income		 518 490 374 302 308 271 216 181 161 141 94
Loans and Leases Interest Income		 478 454 353 294 297 255 202 169 148 125 78
Investment Securities Interest Income		 27 25 18 7.79 11 15 14 12 13 15 16
Federal Funds Sold and Securities Borrowed Interest Income		 13 11 2.49 0.41 0.69 1.17 0.84 0.71 0.76 0.18 0.14
Total Interest Expense		 271 235 72 39 70 85 59 36 31 24 15
Deposits Interest Expense		 245 206 51 25 52 66 40 24 19 14 8.26
Long-Term Debt Interest Expense		 26 29 21 14 18 20 19 13 12 10 6.55
Total Non-Interest Income		 17 14 13 16 14 8.04 5.47 8.20 9.92 11 7.50
Other Service Charges		 6.86 6.10 7.47 6.62 7.08 4.03 2.58 2.72 2.90 2.91 3.20
Net Realized & Unrealized Capital Gains on Investments		 2.73 1.59 0.17 4.30 2.32 0.53 -0.21 2.30 4.47 4.26 3.00
Other Non-Interest Income		 7.14 6.32 5.60 4.77 5.01 3.48 3.09 3.18 2.56 4.01 1.30
Provision for Credit Losses		 14 8.20 18 -5.50 41 8.10 21 6.00 39 13 4.68
Total Non-Interest Expense		 152 144 126 109 121 92 70 79 59 54 55
Salaries and Employee Benefits		 90 88 81 64 59 49 40 35 31 28 19
Net Occupancy & Equipment Expense		 12 11 9.87 23 20 14 13 13 13 11 7.89
Marketing Expense		 2.42 1.97 1.69 1.32 1.20 1.35 0.98 1.00 1.04 0.85 0.50
Property & Liability Insurance Claims		 7.20 8.37 2.88 2.67 4.00 2.01 3.12 3.49 2.94 2.11 1.62
Other Operating Expenses		 38 33 28 16 18 14 12 26 10 9.24 8.53
Amortization Expense		 1.24 1.44 1.69 1.98 2.56 - 0.63 - - - -
Restructuring Charge		 1.61 0.00 0.00 0.00 17 8.96 1.34 0.00 0.00 - 12
Other Special Charges		 0.00 0.00 1.52 - - 1.05 0.00 0.00 - 2.40 4.55
Income Tax Expense		 25 30 46 45 19 21 11 25 12 20 8.85
Preferred Stock Dividends Declared		 6.04 6.04 6.04 1.72 0.00 0.00 - - 0.02 0.11 0.11
Basic Earnings per Share		 $1.77 $2.08 $3.03 $3.24 $1.80 $2.08 $1.87 $1.35 $1.02 $1.37 $0.80
Weighted Average Basic Shares Outstanding		 38.37M 38.40M 39.15M 39.61M 39.79M 39.70M 35.43M 32M 30.50M 30.10M 23.10M
Diluted Earnings per Share		 $1.76 $2.07 $3.01 $3.22 $1.79 $2.07 $1.86 $1.34 $1.01 $1.36 $0.79
Weighted Average Diluted Shares Outstanding		 38.37M 38.40M 39.15M 39.61M 39.79M 39.70M 35.43M 32M 30.50M 30.10M 23.10M
Weighted Average Basic & Diluted Shares Outstanding		 38.37M 38.40M 39.15M 39.61M 39.79M 39.70M 35.43M 32M 30.50M 30.10M 23.10M
Cash Dividends to Common per Share		 $0.71 $0.67 $0.60 $0.48 $0.27 $0.36 $0.00 $0.30 $0.30 $0.30 $0.30

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 Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 19 19 16 18 16 18 20 20 23 31 27
Consolidated Net Income / (Loss)		 20 20 17 19 17 19 21 21 25 33 29
Net Income / (Loss) Continuing Operations		 20 20 17 19 17 19 21 21 25 33 29
Total Pre-Tax Income 		27 26 23 26 23 25 29 29 34 45 39
Total Revenue		 70 68 66 66 64 66 66 67 70 82 81
Net Interest Income / (Expense)		 66 65 61 61 60 62 62 64 67 78 78
Total Interest Income		 125 128 130 130 130 129 124 121 116 112 97
Loans and Leases Interest Income		 115 118 119 120 120 121 115 111 107 105 91
Investment Securities Interest Income		 6.97 6.87 6.91 7.02 6.61 6.36 6.17 6.22 6.22 6.12 5.58
Federal Funds Sold and Securities Borrowed Interest Income		 2.47 2.82 4.06 2.84 2.91 1.96 2.11 4.06 2.98 1.40 0.67
Total Interest Expense		 59 63 69 69 69 67 61 57 49 34 19
Deposits Interest Expense		 54 59 64 62 60 59 56 51 40 27 13
Long-Term Debt Interest Expense		 5.04 4.75 5.57 6.48 8.90 7.80 5.29 6.77 8.93 7.92 5.52
Total Non-Interest Income		 4.45 3.74 4.74 4.40 3.85 4.21 3.56 3.44 2.79 3.51 3.32
Other Service Charges		 2.01 1.80 1.82 1.65 1.59 1.55 1.61 1.55 1.40 1.89 1.97
Net Realized & Unrealized Capital Gains on Investments		 0.86 0.29 0.78 1.07 0.59 1.03 0.36 0.34 -0.14 0.09 -0.17
Other Non-Interest Income		 1.58 1.66 2.15 1.68 1.66 1.64 1.60 1.55 1.53 1.53 1.52
Provision for Credit Losses		 3.50 3.50 3.80 2.50 4.00 2.70 1.50 3.00 1.00 3.30 10
Total Non-Interest Expense		 39 38 39 38 37 38 36 35 35 33 32
Salaries and Employee Benefits		 23 22 23 23 22 22 22 22 22 21 21
Net Occupancy & Equipment Expense		 7.28 -1.57 2.89 2.90 7.40 -0.35 2.74 2.68 5.82 -0.26 2.60
Marketing Expense		 0.60 0.50 0.64 0.61 0.68 0.32 0.55 0.56 0.53 0.45 0.46
Property & Liability Insurance Claims		 1.80 1.80 1.80 1.80 1.80 3.90 1.80 1.72 0.95 0.83 0.72
Other Operating Expenses		 5.46 15 9.32 9.18 4.67 12 8.09 8.38 4.93 11 6.93
Amortization Expense		 0.28 0.30 0.30 0.32 0.32 0.35 0.35 0.37 0.37 0.41 0.41
Restructuring Charge		 1.32 - 0.74 - - - 0.00 - - -1.52 0.00
Income Tax Expense		 7.16 6.09 6.02 6.69 5.88 6.21 7.23 7.44 9.08 12 10
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		 $0.49 $0.49 $0.41 $0.46 $0.41 $0.46 $0.51 $0.51 $0.60 $0.79 $0.70
Weighted Average Basic Shares Outstanding		 38.47M 38.37M 38.37M 38.37M 38.33M 38.40M 38.61M 38.94M 39.18M 39.15M 39.24M
Diluted Earnings per Share		 $0.49 $0.48 $0.41 $0.46 $0.41 $0.46 $0.51 $0.51 $0.59 $0.78 $0.70
Weighted Average Diluted Shares Outstanding		 38.47M 38.37M 38.37M 38.37M 38.33M 38.40M 38.61M 38.94M 39.18M 39.15M 39.24M
Weighted Average Basic & Diluted Shares Outstanding		 38.47M 38.37M 38.37M 38.37M 38.33M 38.40M 38.61M 38.94M 39.18M 39.15M 39.24M
Cash Dividends to Common per Share		 $0.18 $0.18 $0.18 $0.18 $0.17 $0.15 $0.17 $0.17 $0.17 $0.15 $0.16

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 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Change in Cash & Equivalents		 114 -26 2.78 -38 102 29 23 -51 -0.50 74 44
Net Cash From Operating Activities		 61 93 177 202 81 61 89 131 50 46 25
Net Cash From Continuing Operating Activities		 61 93 177 202 81 61 89 131 50 46 25
Net Income / (Loss) Continuing Operations		 74 87 125 130 71 73 60 43 31 41 19
Consolidated Net Income / (Loss)		 74 87 125 130 71 73 60 43 31 41 19
Provision For Loan Losses		 14 8.20 18 -5.50 41 8.10 21 6.00 39 13 4.68
Depreciation Expense		 4.42 4.50 3.86 3.76 4.24 3.05 3.06 3.15 2.70 2.31 1.54
Amortization Expense		 1.68 1.77 1.01 2.86 1.52 6.25 4.12 3.32 2.70 2.80 2.58
Non-Cash Adjustments to Reconcile Net Income		 -5.17 11 4.95 13 1.20 -4.38 -0.68 53 -8.03 -12 -4.33
Changes in Operating Assets and Liabilities, net		 -28 -20 24 58 -38 -26 1.11 23 -17 -0.82 2.15
Net Cash From Investing Activities		 55 -248 -1,543 -690 -323 -102 -357 -818 -428 -505 -140
Net Cash From Continuing Investing Activities		 55 -248 -1,543 -690 -323 -103 -357 -818 -428 -505 -140
Purchase of Property, Leasehold Improvements and Equipment		 -3.79 -7.43 -3.30 -2.78 -2.20 -1.53 -2.05 -2.66 -2.70 -3.88 -1.99
Purchase of Investment Securities		 -13 -305 -1,691 -974 -688 -476 -503 -958 -674 -646 -335
Sale of Property, Leasehold Improvements and Equipment		 1.28 0.00 0.70 0.11 0.00 0.02 1.63 0.01 0.45 0.00 0.00
Sale and/or Maturity of Investments		 71 65 151 286 279 363 146 143 249 146 126
Net Cash From Financing Activities		 -2.08 130 1,369 449 345 71 291 636 377 533 159
Net Cash From Continuing Financing Activities		 -2.08 130 1,369 449 345 71 291 636 377 533 159
Net Change in Deposits		 284 180 1,024 376 411 260 297 451 553 316 83
Issuance of Debt		 867 2,947 4,203 340 1,600 2,597 1,807 1,280 375 899 161
Repayment of Debt		 -1,112 -2,946 -3,814 -348 -1,650 -2,762 -1,803 -1,071 -570 -656 -79
Repurchase of Common Equity		 -5.82 -17 -13 -9.40 -0.91 -13 0.00 -0.18 0.00 0.00 -
Payment of Dividends		 -33 -32 -29 -19 -14 -12 -9.66 -9.61 -9.09 -9.11 -7.08
Other Financing Activities, Net		 -1.40 -1.80 -2.01 -1.18 -0.41 0.36 0.06 -14 0.88 -17 1.16
Cash Interest Paid		 271 231 68 42 75 89 56 37 31 23 15
Cash Income Taxes Paid		 24 32 49 45 27 18 9.09 16 23 18 4.99

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 Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -64 109 -46 16 35 -11 -67 -242 294 -66 35
Net Cash From Operating Activities		 15 32 -14 22 21 28 27 21 16 82 24
Net Cash From Continuing Operating Activities		 15 32 -14 22 21 28 27 21 16 82 24
Net Income / (Loss) Continuing Operations		 20 20 17 19 17 19 21 21 25 33 29
Consolidated Net Income / (Loss)		 20 20 17 19 17 19 21 21 25 33 29
Provision For Loan Losses		 3.50 3.50 3.80 2.50 4.00 2.70 1.50 3.00 1.00 3.30 10
Depreciation Expense		 1.10 1.14 1.10 1.08 1.10 1.15 1.14 1.14 1.08 0.96 0.96
Amortization Expense		 0.42 0.44 0.41 0.44 0.39 0.40 0.36 0.30 0.71 0.08 0.11
Non-Cash Adjustments to Reconcile Net Income		 0.00 -2.35 -1.09 -0.89 -0.84 3.07 1.04 7.15 -0.03 -0.92 5.50
Changes in Operating Assets and Liabilities, net		 -10 9.15 -36 0.11 -1.34 1.74 1.47 -12 -11 46 -22
Net Cash From Investing Activities		 59 -157 43 136 33 -172 -39 -9.72 -27 -214 -630
Net Cash From Continuing Investing Activities		 59 -157 43 136 33 -172 -39 -9.72 -27 -214 -630
Purchase of Property, Leasehold Improvements and Equipment		 -0.26 -2.26 -1.27 -0.13 -0.14 -3.48 -0.47 -0.61 -2.87 -0.95 -1.08
Purchase of Investment Securities		 -34 -177 25 119 20 -184 -56 -24 -41 -228 -685
Sale and/or Maturity of Investments		 94 22 19 17 13 15 17 15 17 15 56
Net Cash From Financing Activities		 -138 234 -74 -142 -19 133 -54 -254 304 66 640
Net Cash From Continuing Financing Activities		 -138 234 -74 -142 -19 133 -54 -254 304 66 640
Net Change in Deposits		 -53 296 -52 -13 52 98 -100 -215 397 46 693
Issuance of Debt		 365 236 35 151 445 555 1,015 627 750 1,898 855
Repayment of Debt		 -440 -290 -49 -272 -501 -509 -955 -652 -830 -1,870 -900
Repurchase of Common Equity		 0.00 - - - -5.82 -2.19 -6.23 -4.23 -4.85 - -1.88
Payment of Dividends		 -8.42 -8.42 -8.42 -8.42 -8.06 -8.08 -8.13 -8.16 -7.58 -7.60 -5.72
Other Financing Activities, Net		 -1.63 - -0.08 - -1.32 -0.06 0.01 -1.83 0.08 - -
Cash Interest Paid		 59 65 68 70 67 67 59 58 47 33 16
Cash Income Taxes Paid		 1.51 2.92 5.49 4.73 11 4.27 8.72 17 1.26 18 11

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 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Total Assets		 9,880 9,856 9,645 8,129 7,547 6,174 5,462 5,108 4,426 4,016 3,449
Cash and Due from Banks		 58 61 62 320 64 66 39 53 37 31 32
Interest Bearing Deposits at Other Banks		 299 181 207 211 240 136 133 97 163 170 95
Trading Account Securities		 633 636 651 535 501 416 423 435 353 420 514
Loans and Leases, Net of Allowance		 -83 -82 -91 6,750 6,157 5,075 4,506 4,140 3,476 3,072 2,524
Allowance for Loan and Lease Losses		 83 82 91 79 79 38 35 32 - 27 14
Loans Held for Sale		 0.74 0.00 14 - 4.71 33 0.00 25 78 0.00 -
Premises and Equipment, Net		 28 31 28 29 30 19 19 22 22 22 21
Goodwill		 208 208 208 208 208 163 146 146 146 146 146
Intangible Assets		 4.64 0.00 7.31 9.00 11 5.46 1.74 2.36 3.09 3.91 4.83
Other Assets		 8,648 8,732 8,469 291 331 261 193 189 148 151 112
Total Liabilities & Shareholders' Equity		 9,880 9,856 9,645 7,457 7,547 6,174 5,462 5,108 4,426 4,016 3,449
Total Liabilities		 8,638 8,639 8,466 6,333 6,632 5,443 4,848 4,543 3,895 3,539 3,002
Non-Interest Bearing Deposits		 1,422 1,259 1,502 1,617 1,339 862 769 777 695 651 493
Interest Bearing Deposits		 6,398 6,277 5,855 4,716 4,620 3,906 3,324 3,018 2,649 2,140 1,983
Long-Term Debt		 768 1,013 1,011 - 629 629 729 725 531 726 501
Other Long-Term Liabilities		 50 90 99 - 44 46 28 - - - -
Commitments & Contingencies		 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,242 1,217 1,179 1,124 915 731 614 565 531 477 446
Total Preferred & Common Equity		 1,242 1,217 1,179 1,124 915 731 614 565 531 477 446
Preferred Stock		 111 111 111 111 0.00 0.00 0.00 0.00 0.00 11 11
Total Common Equity		 1,131 1,106 1,068 1,013 915 731 614 565 531 466 435
Common Stock		 623 620 617 614 611 490 428 426 424 383 380
Retained Earnings		 631 591 536 440 332 272 211 160 126 105 72
Treasury Stock		 -76 -70 -53 -40 -30 -29 -17 -17 -17 -17 -17
Accumulated Other Comprehensive Income / (Loss)		 -48 -35 -32 -1.40 2.80 -1.15 -8.79 -4.02 -2.85 -4.61 -1.01

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 Q1 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 3/31/2025 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 9,759 9,640 9,724 9,854 9,679 9,724 9,960 9,478
Cash and Due from Banks		 50 61 47 45 56 56 58 59
Interest Bearing Deposits at Other Banks		 243 186 246 232 197 264 504 275
Trading Account Securities		 656 667 640 639 600 631 647 639
Loans and Leases, Net of Allowance		 -82 -82 -82 -83 -88 -89 -87 7,809
Allowance for Loan and Lease Losses		 82 82 82 83 88 89 87 92
Loans Held for Sale		 0.20 - 0.44 - 0.00 1.09 11 8.08
Premises and Equipment, Net		 28 29 29 30 28 29 30 29
Goodwill		 208 208 208 208 208 208 208 208
Intangible Assets		 0.00 4.94 5.23 5.55 6.22 6.57 6.94 7.72
Other Assets		 8,570 8,483 8,547 8,694 8,583 8,528 8,495 444
Total Liabilities & Shareholders' Equity		 9,759 9,640 9,724 9,854 9,679 9,724 9,960 9,478
Total Liabilities		 8,506 8,400 8,500 8,637 8,491 8,525 8,769 8,330
Non-Interest Bearing Deposits		 1,319 1,263 1,269 1,291 1,224 1,356 1,345 1,666
Interest Bearing Deposits		 6,448 6,262 6,307 6,298 6,214 6,182 6,408 5,645
Long-Term Debt		 693 822 836 957 967 907 932 983
Other Long-Term Liabilities		 46 54 88 92 85 79 85 36
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,253 1,239 1,224 1,217 1,188 1,199 1,191 1,148
Total Preferred & Common Equity		 1,253 1,239 1,224 1,217 1,188 1,199 1,191 1,148
Preferred Stock		 111 111 111 111 111 111 111 111
Total Common Equity		 1,142 1,129 1,113 1,106 1,077 1,088 1,080 1,037
Common Stock		 623 622 621 620 619 618 618 616
Retained Earnings		 643 619 611 600 580 566 553 511
Treasury Stock		 -76 -76 -76 -76 -68 -62 -58 -53
Accumulated Other Comprehensive Income / (Loss)		 -48 -37 -42 -38 -53 -34 -34 -36

Annual Metrics And Ratios for ConnectOne Bancorp

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

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -1.87% -14.67% 13.21% 10.37% 29.86% 19.46% 6.14% 9.43% 9.15% 47.68% 63.84%
EBITDA Growth		 -15.15% -30.02% -3.07% 88.95% -6.94% 31.94% 4.44% 55.35% -27.25% 110.43% -0.26%
EBIT Growth		 -15.81% -31.69% -2.19% 93.67% -3.87% 32.18% 3.82% 59.86% -30.01% 123.41% 0.00%
NOPAT Growth		 -15.18% -30.51% -3.94% 82.85% -2.87% 21.61% 39.64% 39.05% -24.76% 122.52% -6.83%
Net Income Growth		 -15.18% -30.51% -3.94% 82.85% -2.87% 21.61% 39.64% 39.05% -24.76% 122.52% -6.83%
EPS Growth		 -14.98% -31.23% -6.52% 79.89% -13.53% 11.29% 38.81% 32.67% -25.74% 72.15% -34.71%
Operating Cash Flow Growth		 -34.65% -47.45% -12.60% 149.34% 33.68% -31.86% -32.08% 163.79% 7.53% 83.54% 8.79%
Free Cash Flow Firm Growth		 525.03% 117.54% -119.11% -8.91% -302.22% 586.93% 104.36% -207.33% 180.22% 64.67% -5,158.37%
Invested Capital Growth		 -9.86% 1.83% 21.88% 16.36% 13.49% 1.33% 4.05% 21.51% -11.75% 27.07% 196.16%
Revenue Q/Q Growth		 0.93% -5.44% 2.36% 3.50% 6.38% 4.26% -0.06% 4.68% 1.57% 1.72% 24.38%
EBITDA Q/Q Growth		 0.96% -13.30% -0.54% 10.33% 0.52% 5.57% -1.19% 62.39% -28.62% 3.07% 11.27%
EBIT Q/Q Growth		 1.00% -14.24% -0.25% 7.31% 7.66% 5.23% -1.33% 72.25% -31.44% 1.95% 15.34%
NOPAT Q/Q Growth		 1.51% -13.25% -0.38% 6.02% 7.31% 2.96% 15.48% 41.17% -27.17% 3.89% 19.57%
Net Income Q/Q Growth		 1.51% -13.25% -0.38% 6.02% 7.31% 2.96% 15.48% 41.17% -27.17% 3.89% 19.57%
EPS Q/Q Growth		 1.15% -13.39% -0.33% 4.55% 3.47% 0.49% 16.25% 42.55% -27.86% 8.80% -11.24%
Operating Cash Flow Q/Q Growth		 6.88% -36.55% 23.99% 48.72% -16.44% -28.67% -31.57% 61.09% -3.10% -0.24% 59.59%
Free Cash Flow Firm Q/Q Growth		 76.61% -38.70% 46.55% -156.10% 34.61% -12.15% 107.80% -40.86% 11.13% 10.50% -13.52%
Invested Capital Q/Q Growth		 -2.51% 3.46% 2.73% 19.41% -3.48% -0.08% -0.80% 7.74% 2.55% 4.82% 9.10%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 39.60% 45.79% 55.84% 65.22% 38.10% 53.16% 48.14% 48.92% 34.46% 51.70% 36.28%
EBIT Margin		 37.29% 43.46% 54.29% 62.84% 35.81% 48.38% 43.72% 44.70% 30.60% 47.72% 31.54%
Profit (Net Income) Margin		 27.95% 32.33% 39.70% 46.79% 28.25% 37.76% 37.10% 28.20% 22.19% 32.19% 21.36%
Tax Burden Percent		 74.94% 74.39% 73.13% 74.46% 78.87% 78.06% 84.84% 63.08% 72.52% 67.46% 67.73%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 25.06% 25.61% 26.87% 25.54% 21.13% 21.94% 15.16% 36.92% 27.48% 32.54% 32.27%
Return on Invested Capital (ROIC)		 3.48% 3.94% 6.28% 7.80% 4.91% 5.43% 4.58% 3.68% 2.74% 3.84% 2.93%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.48% 3.94% 6.28% 7.80% 4.91% 5.43% 4.58% 3.68% 2.74% 3.84% 2.93%
Return on Net Nonoperating Assets (RNNOA)		 2.52% 3.33% 4.59% 4.98% 3.75% 5.48% 5.65% 4.21% 3.42% 5.10% 3.11%
Return on Equity (ROE)		 6.00% 7.26% 10.87% 12.78% 8.66% 10.91% 10.23% 7.88% 6.16% 8.95% 6.04%
Cash Return on Invested Capital (CROIC)		 13.86% 2.13% -13.44% -7.32% -7.73% 4.11% 0.61% -15.74% 15.23% -20.00% -96.10%
Operating Return on Assets (OROA)		 1.00% 1.20% 1.93% 2.23% 1.32% 1.62% 1.35% 1.44% 1.02% 1.64% 1.07%
Return on Assets (ROA)		 0.75% 0.89% 1.41% 1.66% 1.04% 1.26% 1.14% 0.91% 0.74% 1.11% 0.73%
Return on Common Equity (ROCE)		 5.46% 6.59% 9.83% 12.09% 8.66% 10.91% 10.23% 7.88% 6.10% 8.73% 5.82%
Return on Equity Simple (ROE_SIMPLE)		 5.94% 7.15% 10.62% 11.60% 7.79% 10.04% 9.83% 7.64% 5.85% 8.65% 4.16%
Net Operating Profit after Tax (NOPAT)		 74 87 125 130 71 73 60 43 31 41 19
NOPAT Margin		 27.95% 32.33% 39.70% 46.79% 28.25% 37.76% 37.10% 28.20% 22.19% 32.19% 21.36%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 39.42% 37.56% 29.26% 31.79% 31.68% 33.23% 32.74% 31.70% 31.76% 31.03% 31.32%
Operating Expenses to Revenue		 57.49% 53.49% 40.08% 39.13% 47.94% 47.45% 43.31% 51.38% 41.77% 42.46% 63.07%
Earnings before Interest and Taxes (EBIT)		 98 117 171 175 90 94 71 69 43 61 27
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 105 123 176 182 96 103 78 75 48 66 32
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.77 0.77 0.82 1.15 0.76 1.08 0.83 1.23 1.23 0.00 0.00
Price to Tangible Book Value (P/TBV)		 0.95 0.95 1.03 1.47 1.00 1.40 1.09 1.67 1.72 0.00 0.00
Price to Revenue (P/Rev)		 3.31 3.16 2.79 4.19 2.77 4.07 3.13 4.54 4.68 0.00 0.00
Price to Earnings (P/E)		 12.89 10.50 7.39 9.07 9.80 10.77 8.43 16.11 21.10 0.00 0.00
Dividend Yield		 3.12% 3.02% 3.34% 1.49% 2.05% 1.54% 1.90% 1.38% 1.39% 1.96% 1.96%
Earnings Yield		 7.76% 9.52% 13.54% 11.02% 10.21% 9.29% 11.86% 6.21% 4.74% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.69 0.78 0.79 0.42 0.66 0.90 0.79 0.99 0.93 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 5.29 6.43 5.50 2.68 4.05 6.27 6.55 8.30 7.04 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 13.35 14.05 9.85 4.11 10.64 11.79 13.60 16.96 20.42 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 14.17 14.80 10.13 4.27 11.32 12.95 14.97 18.56 23.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 18.91 19.90 13.85 5.73 14.35 16.59 17.65 29.42 31.71 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 22.99 18.64 9.81 3.69 12.61 20.07 11.96 9.70 19.83 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 4.75 36.84 0.00 0.00 0.00 21.94 131.80 0.00 5.71 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.62 0.83 0.86 0.00 0.69 0.86 1.19 1.28 1.00 1.52 1.12
Long-Term Debt to Equity		 0.62 0.83 0.86 0.00 0.69 0.86 1.19 1.28 1.00 1.52 1.12
Financial Leverage		 0.72 0.84 0.73 0.64 0.76 1.01 1.23 1.15 1.25 1.33 1.06
Leverage Ratio		 8.03 8.14 7.72 7.69 8.33 8.65 8.96 8.70 8.37 8.08 8.33
Compound Leverage Factor		 8.03 8.14 7.72 7.69 8.33 8.65 8.96 8.70 8.37 8.08 8.33
Debt to Total Capital		 38.21% 45.43% 46.17% 0.00% 40.71% 46.25% 54.27% 56.17% 49.99% 60.33% 52.88%
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% 0.00%
Long-Term Debt to Total Capital		 38.21% 45.43% 46.17% 0.00% 40.71% 46.25% 54.27% 56.17% 49.99% 60.33% 52.88%
Preferred Equity to Total Capital		 5.52% 4.98% 5.07% 9.87% 0.00% 0.00% 0.00% 0.00% 0.00% 0.93% 1.19%
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% 0.00%
Common Equity to Total Capital		 56.27% 49.59% 48.77% 90.13% 59.29% 53.75% 45.73% 43.83% 50.01% 38.74% 45.93%
Debt to EBITDA		 7.34 8.22 5.74 0.00 6.54 6.09 9.30 9.67 11.00 10.94 15.88
Net Debt to EBITDA		 3.94 6.25 4.22 0.00 3.38 4.14 7.10 7.67 6.85 7.91 11.86
Long-Term Debt to EBITDA		 7.34 8.22 5.74 0.00 6.54 6.09 9.30 9.67 11.00 10.94 15.88
Debt to NOPAT		 10.41 11.64 8.07 0.00 8.82 8.57 12.07 16.77 17.08 17.57 26.97
Net Debt to NOPAT		 5.58 8.85 5.93 0.00 4.56 5.83 9.22 13.31 10.63 12.71 20.14
Long-Term Debt to NOPAT		 10.41 11.64 8.07 0.00 8.82 8.57 12.07 16.77 17.08 17.57 26.97
Noncontrolling Interest Sharing Ratio		 9.02% 9.26% 9.63% 5.44% 0.00% 0.00% 0.00% 0.00% 1.12% 2.44% 3.66%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 294 47 -268 -122 -112 56 8.08 -185 173 -215 -609
Operating Cash Flow to CapEx		 2,410.64% 1,249.71% 6,788.67% 7,575.77% 3,689.18% 4,021.74% 21,004.72% 4,942.82% 2,202.57% 1,191.21% 1,268.33%
Free Cash Flow to Firm to Interest Expense		 1.09 0.20 -3.74 -3.15 -1.60 0.65 0.14 -5.11 5.55 -9.03 -41.10
Operating Cash Flow to Interest Expense		 0.22 0.40 2.47 5.21 1.16 0.71 1.51 3.62 1.60 1.94 1.70
Operating Cash Flow Less CapEx to Interest Expense		 0.22 0.36 2.43 5.14 1.12 0.69 1.50 3.54 1.53 1.78 1.57
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.04 0.04 0.04 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 8.92 9.19 11.10 9.42 10.23 10.15 7.99 7.01 6.31 5.97 5.06
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,010 2,230 2,190 1,797 1,544 1,360 1,342 1,290 1,062 1,203 947
Invested Capital Turnover		 0.12 0.12 0.16 0.17 0.17 0.14 0.12 0.13 0.12 0.12 0.14
Increase / (Decrease) in Invested Capital		 -220 40 393 253 184 18 52 228 -141 256 627
Enterprise Value (EV)		 1,396 1,731 1,734 747 1,023 1,218 1,065 1,272 986 0.00 0.00
Market Capitalization		 873 850 880 1,167 698 790 509 696 655 0.00 0.00
Book Value per Share		 $29.47 $28.64 $27.21 $25.59 $23.02 $20.67 $19.04 $17.66 $17.55 $15.48 $18.83
Tangible Book Value per Share		 $23.92 $23.24 $21.71 $20.10 $17.50 $15.92 $14.46 $13.03 $12.62 $10.51 $12.30
Total Capital		 2,010 2,230 2,190 1,124 1,544 1,360 1,342 1,290 1,062 1,203 947
Total Debt		 768 1,013 1,011 0.00 629 629 729 725 531 726 501
Total Long-Term Debt		 768 1,013 1,011 0.00 629 629 729 725 531 726 501
Net Debt		 412 770 743 -531 325 428 556 575 330 525 374
Capital Expenditures (CapEx)		 2.52 7.43 2.60 2.67 2.20 1.51 0.42 2.65 2.26 3.88 1.99
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 768 1,013 1,011 672 629 629 729 725 531 726 501
Total Depreciation and Amortization (D&A)		 6.10 6.27 4.87 6.62 5.76 9.30 7.18 6.47 5.41 5.11 4.12
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.77 $2.08 $3.03 $3.24 $1.80 $2.08 $1.87 $1.35 $1.02 $1.38 $0.80
Adjusted Weighted Average Basic Shares Outstanding		 38.37M 38.40M 39.15M 39.61M 39.79M 39.70M 35.43M 32.12M 31.97M 29.94M 23.03M
Adjusted Diluted Earnings per Share		 $1.76 $2.07 $3.01 $3.22 $1.79 $2.07 $1.86 $1.34 $1.01 $1.36 $0.79
Adjusted Weighted Average Diluted Shares Outstanding		 38.37M 38.40M 39.15M 39.61M 39.79M 39.70M 35.43M 32.12M 31.97M 30.28M 23.48M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $2.08 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 38.37M 38.40M 39.15M 39.61M 39.79M 39.70M 35.43M 32.12M 31.97M 30.09M 29.86M
Normalized Net Operating Profit after Tax (NOPAT)		 75 87 126 130 85 81 61 43 31 43 30
Normalized NOPAT Margin		 28.40% 32.33% 40.06% 46.79% 33.55% 41.78% 37.79% 28.20% 22.19% 33.45% 34.57%
Pre Tax Income Margin		 37.29% 43.46% 54.29% 62.84% 35.81% 48.38% 43.72% 44.70% 30.60% 47.72% 31.54%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.36 0.50 2.39 4.50 1.29 1.10 1.21 1.89 1.38 2.57 1.85
NOPAT to Interest Expense		 0.27 0.37 1.75 3.35 1.02 0.86 1.02 1.19 1.00 1.73 1.25
EBIT Less CapEx to Interest Expense		 0.35 0.47 2.35 4.44 1.26 1.09 1.20 1.82 1.31 2.41 1.72
NOPAT Less CapEx to Interest Expense		 0.26 0.34 1.71 3.29 0.98 0.84 1.02 1.12 0.93 1.57 1.12
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 45.15% 36.72% 23.53% 14.74% 20.08% 16.57% 16.01% 22.24% 29.24% 22.05% 38.14%
Augmented Payout Ratio		 53.04% 56.83% 34.02% 21.95% 21.36% 33.79% 16.01% 22.66% 29.24% 22.05% 38.14%

Quarterly Metrics And Ratios for ConnectOne Bancorp

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

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 9.45% 3.67% -0.45% -2.14% -8.20% -19.00% -19.10% -14.78% -4.82% 9.81% 12.76%
EBITDA Growth		 17.68% 3.68% -18.10% -9.88% -31.33% -41.15% -25.40% -33.50% -19.10% -2.04% -9.83%
EBIT Growth		 18.71% 3.81% -19.04% -10.71% -32.12% -43.24% -27.21% -34.84% -20.42% -0.96% -8.46%
NOPAT Growth		 17.65% 5.70% -19.83% -10.93% -30.98% -40.80% -25.97% -33.88% -20.56% -1.46% -9.91%
Net Income Growth		 17.65% 5.70% -19.83% -10.93% -30.98% -40.80% -25.97% -33.88% -20.56% -1.46% -9.91%
EPS Growth		 19.51% 4.35% -19.61% -9.80% -30.51% -41.03% -27.14% -34.62% -21.33% -1.27% -12.50%
Operating Cash Flow Growth		 -27.44% 13.80% -153.33% 4.86% 25.33% -65.38% 12.28% -15.36% -64.28% 71.81% -31.86%
Free Cash Flow Firm Growth		 831.40% 1,258.78% 5,082.95% -24.58% 91.40% 94.25% 99.63% 112.94% -75.68% -64.20% -570.56%
Invested Capital Growth		 -10.47% -9.86% -4.34% -2.19% 2.41% 1.83% 1.11% -3.00% 24.59% 21.88% 41.67%
Revenue Q/Q Growth		 2.56% 4.31% -0.33% 2.63% -2.85% 0.17% -2.02% -3.71% -14.28% 0.04% 3.21%
EBITDA Q/Q Growth		 3.18% 13.55% -9.48% 10.97% -9.10% -10.31% -0.39% -15.44% -22.10% 13.69% -11.21%
EBIT Q/Q Growth		 3.57% 14.12% -9.95% 11.53% -9.43% -11.00% -0.68% -15.22% -24.27% 14.15% -11.09%
NOPAT Q/Q Growth		 -0.63% 18.71% -9.94% 10.76% -10.73% -9.97% 0.06% -14.18% -23.43% 12.60% -10.64%
Net Income Q/Q Growth		 -0.63% 18.71% -9.94% 10.76% -10.73% -9.97% 0.06% -14.18% -23.43% 12.60% -10.64%
EPS Q/Q Growth		 2.08% 17.07% -10.87% 12.20% -10.87% -9.80% 0.00% -13.56% -24.36% 11.43% -10.26%
Operating Cash Flow Q/Q Growth		 -53.81% 324.54% -164.39% 8.65% -27.56% 5.23% 26.61% 29.86% -79.99% 241.26% -4.55%
Free Cash Flow Firm Q/Q Growth		 3.17% 116.93% 69.95% 292.28% -63.46% -832.84% -102.57% 121.94% -9.28% 39.71% 10.43%
Invested Capital Q/Q Growth		 -3.17% -2.51% 0.07% -5.23% -2.51% 3.46% 2.32% -0.78% -3.06% 2.73% -1.83%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 41.20% 40.95% 37.62% 41.42% 38.31% 40.94% 45.73% 44.98% 51.22% 56.36% 49.59%
EBIT Margin		 39.03% 38.65% 35.33% 39.10% 35.98% 38.60% 43.44% 42.85% 48.67% 55.09% 48.28%
Profit (Net Income) Margin		 28.83% 29.76% 26.15% 28.94% 26.82% 29.19% 32.47% 31.80% 35.68% 39.94% 35.49%
Tax Burden Percent		 73.87% 77.00% 74.02% 74.02% 74.54% 75.62% 74.76% 74.20% 73.31% 72.50% 73.50%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 26.13% 23.00% 25.98% 25.98% 25.46% 24.38% 25.24% 25.80% 26.69% 27.50% 26.50%
Return on Invested Capital (ROIC)		 3.78% 3.71% 3.25% 3.64% 3.29% 3.55% 4.31% 4.46% 5.81% 6.32% 6.01%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.78% 3.71% 3.25% 3.64% 3.29% 3.55% 4.31% 4.46% 5.81% 6.32% 6.01%
Return on Net Nonoperating Assets (RNNOA)		 2.53% 2.69% 2.39% 2.62% 2.58% 3.00% 3.60% 3.69% 3.74% 4.62% 3.72%
Return on Equity (ROE)		 6.31% 6.39% 5.64% 6.26% 5.87% 6.56% 7.91% 8.15% 9.55% 10.94% 9.73%
Cash Return on Invested Capital (CROIC)		 14.78% 13.86% 7.89% 5.91% 1.31% 2.13% 3.58% 8.08% -15.69% -13.44% -27.57%
Operating Return on Assets (OROA)		 1.08% 1.03% 0.96% 1.05% 0.96% 1.07% 1.29% 1.39% 1.66% 1.95% 1.71%
Return on Assets (ROA)		 0.79% 0.80% 0.71% 0.78% 0.71% 0.81% 0.96% 1.03% 1.22% 1.42% 1.25%
Return on Common Equity (ROCE)		 5.74% 5.82% 5.12% 5.68% 5.33% 5.95% 7.16% 7.38% 8.64% 9.88% 8.77%
Return on Equity Simple (ROE_SIMPLE)		 6.13% 0.00% 5.86% 6.28% 6.52% 0.00% 8.44% 8.99% 9.97% 0.00% 10.95%
Net Operating Profit after Tax (NOPAT)		 20 20 17 19 17 19 21 21 25 33 29
NOPAT Margin		 28.83% 29.76% 26.15% 28.94% 26.82% 29.19% 32.47% 31.80% 35.68% 39.94% 35.49%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 43.37% 30.73% 40.35% 39.94% 47.19% 33.21% 38.75% 37.13% 40.95% 26.30% 29.56%
Operating Expenses to Revenue		 55.98% 56.24% 58.88% 57.10% 57.78% 57.31% 54.28% 52.69% 49.90% 40.87% 39.45%
Earnings before Interest and Taxes (EBIT)		 27 26 23 26 23 25 29 29 34 45 39
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 29 28 25 27 25 27 30 30 36 46 40
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.82 0.77 0.84 0.64 0.66 0.77 0.61 0.56 0.60 0.82 0.80
Price to Tangible Book Value (P/TBV)		 1.00 0.95 1.04 0.79 0.82 0.95 0.77 0.70 0.75 1.03 1.01
Price to Revenue (P/Rev)		 3.45 3.31 3.63 2.71 2.77 3.16 2.32 2.04 2.07 2.79 2.69
Price to Earnings (P/E)		 13.18 12.89 14.23 9.99 9.97 10.50 7.01 6.03 5.73 7.39 6.93
Dividend Yield		 2.96% 3.12% 2.83% 3.73% 3.60% 3.02% 4.74% 5.04% 4.70% 3.34% 2.70%
Earnings Yield		 7.59% 7.76% 7.03% 10.01% 10.03% 9.52% 14.26% 16.58% 17.46% 13.54% 14.43%
Enterprise Value to Invested Capital (EV/IC)		 0.74 0.69 0.79 0.66 0.70 0.78 0.69 0.62 0.53 0.79 0.75
Enterprise Value to Revenue (EV/Rev)		 5.35 5.29 6.25 5.20 5.77 6.43 5.22 4.37 3.61 5.50 5.16
Enterprise Value to EBITDA (EV/EBITDA)		 13.26 13.35 15.78 12.49 13.57 14.05 10.45 8.61 6.71 9.85 8.97
Enterprise Value to EBIT (EV/EBIT)		 14.05 14.17 16.76 13.23 14.34 14.80 10.89 8.92 6.93 10.13 9.25
Enterprise Value to NOPAT (EV/NOPAT)		 18.80 18.91 22.48 17.70 19.18 19.90 14.81 12.17 9.48 13.85 12.64
Enterprise Value to Operating Cash Flow (EV/OCF)		 26.23 22.99 28.77 13.89 15.67 18.64 10.15 9.14 7.64 9.81 11.14
Enterprise Value to Free Cash Flow (EV/FCFF)		 4.74 4.75 9.83 11.07 53.96 36.84 19.38 7.59 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.55 0.62 0.66 0.68 0.79 0.83 0.81 0.76 0.78 0.86 0.86
Long-Term Debt to Equity		 0.55 0.62 0.66 0.68 0.79 0.83 0.81 0.76 0.78 0.86 0.86
Financial Leverage		 0.67 0.72 0.74 0.72 0.78 0.84 0.83 0.83 0.64 0.73 0.62
Leverage Ratio		 7.94 8.03 7.96 8.02 8.23 8.14 8.20 7.93 7.85 7.72 7.76
Compound Leverage Factor		 7.94 8.03 7.96 8.02 8.23 8.14 8.20 7.93 7.85 7.72 7.76
Debt to Total Capital		 35.62% 38.21% 39.87% 40.57% 44.03% 45.43% 44.87% 43.05% 43.89% 46.17% 46.13%
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% 0.00%
Long-Term Debt to Total Capital		 35.62% 38.21% 39.87% 40.57% 44.03% 45.43% 44.87% 43.05% 43.89% 46.17% 46.13%
Preferred Equity to Total Capital		 5.70% 5.52% 5.38% 5.38% 5.10% 4.98% 5.15% 5.27% 5.23% 5.07% 5.20%
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% 0.00%
Common Equity to Total Capital		 58.68% 56.27% 54.75% 54.04% 50.87% 49.59% 49.99% 51.68% 50.88% 48.77% 48.67%
Debt to EBITDA		 6.36 7.34 7.94 7.67 8.54 8.22 6.80 5.95 5.56 5.74 5.55
Net Debt to EBITDA		 3.68 3.94 5.55 4.97 6.07 6.25 5.02 3.85 2.20 4.22 3.67
Long-Term Debt to EBITDA		 6.36 7.34 7.94 7.67 8.54 8.22 6.80 5.95 5.56 5.74 5.55
Debt to NOPAT		 9.02 10.41 11.31 10.86 12.07 11.64 9.64 8.41 7.85 8.07 7.82
Net Debt to NOPAT		 5.21 5.58 7.91 7.05 8.57 8.85 7.12 5.44 3.11 5.93 5.17
Long-Term Debt to NOPAT		 9.02 10.41 11.31 10.86 12.07 11.64 9.64 8.41 7.85 8.07 7.82
Noncontrolling Interest Sharing Ratio		 8.98% 9.02% 9.14% 9.15% 9.21% 9.26% 9.50% 9.47% 9.52% 9.63% 9.87%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 248 240 111 65 -34 -21 -2.22 86 -394 -361 -598
Operating Cash Flow to CapEx		 5,661.98% 1,428.40% -1,127.89% 17,837.60% 14,871.01% 813.38% 5,728.30% 3,468.84% 571.12% 8,631.96% 2,226.46%
Free Cash Flow to Firm to Interest Expense		 4.20 3.79 1.60 0.95 -0.49 -0.31 -0.04 1.50 -8.04 -10.46 -31.78
Operating Cash Flow to Interest Expense		 0.25 0.51 -0.21 0.33 0.30 0.42 0.44 0.37 0.33 2.37 1.27
Operating Cash Flow Less CapEx to Interest Expense		 0.25 0.47 -0.23 0.32 0.29 0.37 0.43 0.36 0.28 2.35 1.22
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.04 0.04
Fixed Asset Turnover		 9.40 8.92 9.10 9.04 8.86 9.19 9.99 10.44 10.68 11.10 10.60
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,946 2,010 2,061 2,060 2,174 2,230 2,155 2,106 2,123 2,190 2,131
Invested Capital Turnover		 0.13 0.12 0.12 0.13 0.12 0.12 0.13 0.14 0.16 0.16 0.17
Increase / (Decrease) in Invested Capital		 -228 -220 -94 -46 51 40 24 -65 419 393 627
Enterprise Value (EV)		 1,444 1,396 1,634 1,362 1,520 1,731 1,485 1,312 1,126 1,734 1,588
Market Capitalization		 933 873 948 709 730 850 661 614 646 880 828
Book Value per Share		 $29.76 $29.47 $29.41 $29.04 $28.84 $28.64 $27.67 $27.78 $27.59 $27.21 $26.43
Tangible Book Value per Share		 $24.33 $23.92 $23.85 $23.47 $23.26 $23.24 $22.15 $22.30 $22.09 $21.71 $20.93
Total Capital		 1,946 2,010 2,061 2,060 2,174 2,230 2,155 2,106 2,123 2,190 2,131
Total Debt		 693 768 822 836 957 1,013 967 907 932 1,011 983
Total Long-Term Debt		 693 768 822 836 957 1,013 967 907 932 1,011 983
Net Debt		 401 412 575 542 680 770 714 587 369 743 649
Capital Expenditures (CapEx)		 0.26 2.26 1.27 0.13 0.14 3.48 0.47 0.61 2.87 0.95 1.08
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 693 768 822 836 957 1,013 967 907 932 1,011 983
Total Depreciation and Amortization (D&A)		 1.52 1.57 1.50 1.53 1.49 1.55 1.51 1.43 1.78 1.04 1.07
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.49 $0.49 $0.41 $0.46 $0.41 $0.46 $0.51 $0.51 $0.60 $0.79 $0.70
Adjusted Weighted Average Basic Shares Outstanding		 38.47M 38.37M 38.37M 38.37M 38.33M 38.40M 38.61M 38.94M 39.18M 39.15M 39.24M
Adjusted Diluted Earnings per Share		 $0.49 $0.48 $0.41 $0.46 $0.41 $0.46 $0.51 $0.51 $0.59 $0.78 $0.70
Adjusted Weighted Average Diluted Shares Outstanding		 38.47M 38.37M 38.37M 38.37M 38.33M 38.40M 38.61M 38.94M 39.18M 39.15M 39.24M
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		 38.47M 38.37M 38.37M 38.37M 38.33M 38.40M 38.61M 38.94M 39.18M 39.15M 39.24M
Normalized Net Operating Profit after Tax (NOPAT)		 21 20 18 19 17 19 21 21 25 31 29
Normalized NOPAT Margin		 30.22% 29.76% 26.99% 28.94% 26.82% 29.19% 32.47% 31.80% 35.68% 38.59% 35.49%
Pre Tax Income Margin		 39.03% 38.65% 35.33% 39.10% 35.98% 38.60% 43.44% 42.85% 48.67% 55.09% 48.28%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.46 0.42 0.33 0.38 0.33 0.38 0.47 0.50 0.69 1.30 2.09
NOPAT to Interest Expense		 0.34 0.32 0.25 0.28 0.25 0.29 0.35 0.37 0.51 0.94 1.54
EBIT Less CapEx to Interest Expense		 0.46 0.38 0.32 0.37 0.33 0.33 0.46 0.49 0.64 1.28 2.03
NOPAT Less CapEx to Interest Expense		 0.34 0.29 0.23 0.28 0.25 0.24 0.34 0.36 0.45 0.92 1.48
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 43.84% 45.15% 45.36% 42.47% 40.90% 36.72% 31.38% 26.96% 25.59% 23.53% 22.86%
Augmented Payout Ratio		 43.84% 53.04% 56.38% 60.98% 64.19% 56.83% 46.64% 37.12% 36.70% 34.02% 34.38%

Frequently Asked Questions About ConnectOne Bancorp's Financials

When does ConnectOne Bancorp's financial year end?

According to the most recent income statement we have on file, ConnectOne Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has ConnectOne Bancorp's net income changed over the last 10 years?

ConnectOne Bancorp's net income appears to be on an upward trend, with a most recent value of $73.79 million in 2024, rising from $18.57 million in 2014. The previous period was $87.00 million in 2023.

How has ConnectOne Bancorp revenue changed over the last 10 years?

Over the last 10 years, ConnectOne Bancorp's total revenue changed from $86.90 million in 2014 to $264.07 million in 2024, a change of 203.9%.

How much debt does ConnectOne Bancorp have?

ConnectOne Bancorp's total liabilities were at $8.64 billion at the end of 2024, a 0.0% decrease from 2023, and a 187.7% increase since 2014.

How much cash does ConnectOne Bancorp have?

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 $57.82 million as of their latest financial filing in 2024.

How has ConnectOne Bancorp's book value per share changed over the last 10 years?

Over the last 10 years, ConnectOne Bancorp's book value per share changed from 18.83 in 2014 to 29.47 in 2024, a change of 56.5%.


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This page (NASDAQ:CNOBP) was last updated on 5/27/2025 by MarketBeat.com Staff
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