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CNOB logoConnectOne Bancorp, Inc.(CNOB)Earnings, Financials & Key Ratios

CNOB•NASDAQ•Banking & Credit
$30.16
$1.52B mkt cap·20.4× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutConnectOne Bancorp, Inc. operates as the bank holding company for ConnectOne Bank that provides commercial banking products and services for small and mid-sized businesses, local professionals, and individuals in the Northern New Jersey and New York Metropolitan area, and South Florida market. The company offers personal and business checking, retirement, money market, and time and savings accounts. It also provides consumer and commercial business loans on a secured and unsecured basis; revolving lines of credit; commercial mortgage loans; residential mortgages on primary and secondary residences; home equity loans; bridge loans; other personal purpose loans; and commercial construction and real estate loans. In addition, the company offers check cards, ATM cards, credit cards, wire transfers, access to automated teller services, Internet banking, treasury direct, automated clearing house origination, mobile banking by phone, safe deposit boxes, and remote deposit capture services. It operates through a network of eight banking offices in Bergen County, five banking offices in Union County, one banking office in Morris County, one office in Essex County, one office in Hudson County, one office in Monmouth County, one banking office in Manhattan in New York City, one office in Nassau County on Long Island, one in Astoria, and five branches in the Hudson Valley, as well as one financial center in West Palm Beach in Palm Beach County. The company was formerly known as Center Bancorp, Inc. and changed its name to ConnectOne Bancorp, Inc. in July 2014. ConnectOne Bancorp, Inc. was incorporated in 1982 and is headquartered in Englewood Cliffs, New Jersey.Show more
  • Net Interest Income$353M+45.4%
  • Total Revenue$606M+13.4%
  • Net Income$80M+9.0%
  • Return on Equity5.72%-4.8%
  • Net Interest Margin2.52%+2.6%
  • Efficiency Ratio25.58%-9.9%
  • ROA0.67%-9.9%
  • Equity / Assets11.24%-10.6%
  • Book Value per Share31.21-3.2%
  • Tangible BV/Share25.65-3.9%
  • Debt/Equity0.74+17.9%
Technical→

CNOB Key Insights

ConnectOne Bancorp, Inc. (CNOB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 25.6% efficiency ratio
  • ✓Well capitalized: 11.2% equity/assets
  • ✓Healthy dividend yield of 2.1%
  • ✓Trading near 52-week high
  • ✓Trading at only 1.0x book value

✗Weaknesses

  • ✗Shares diluted 30.9% in last year

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

CNOB Price & Volume

ConnectOne Bancorp, Inc. (CNOB) stock price & volume — 10-year historical chart

Loading chart...

CNOB Growth Metrics

ConnectOne Bancorp, Inc. (CNOB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years15%
5 Years13.46%
3 Years16.15%
TTM-

Profit CAGR

10 Years6.89%
5 Years2.45%
3 Years-13.71%
TTM9.01%

EPS CAGR

10 Years0.85%
5 Years-3.73%
3 Years-21.07%
TTM-7.91%

Return on Capital

10 Years6.49%
5 Years7.47%
3 Years5.49%
Last Year1.47%

CNOB Recent Earnings

ConnectOne Bancorp, Inc. (CNOB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 10/12 qtrs (83%)
Q2 2026Latest
Apr 23, 2026
EPS
$0.79
Est $0.73
+8.2%
Revenue
$117M
Est $115M
+1.0%
Q1 2026
Jan 29, 2026
EPS
$0.83
Est $0.74
+12.2%
Revenue
$115M
Est $115M
-0.5%
Q4 2025
Oct 30, 2025
EPS
$0.70
Est $0.65
+7.7%
Revenue
$121M
Est $111M
+9.4%
Q3 2025
Jul 29, 2025
EPS
$0.55
Est $0.52
+5.8%
Revenue
$84M
Est $111M
-24.3%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$0.79vs $0.73+8.2%
$117Mvs $115M+1.0%
Q1 2026Jan 29, 2026
$0.83vs $0.74+12.2%
$115Mvs $115M-0.5%
Q4 2025Oct 30, 2025
$0.70vs $0.65+7.7%
$121Mvs $111M+9.4%
Q3 2025Jul 29, 2025
$0.55vs $0.52+5.8%
$84Mvs $111M-24.3%
Based on last 12 quarters of dataView full earnings history →

CNOB Peer Comparison

ConnectOne Bancorp, Inc. (CNOB) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
DCOM logoDCOMDime Community Bancshares, Inc.Direct Competitor1.64B37.1915.6913.03%7.67%0.25
OCFC logoOCFCOceanFirst Financial Corp.Direct Competitor1.09B19.0416.27-4.7%4.26%0.98
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.36B45.2013.5710.36%9.51%0.17
TRMK logoTRMKTrustmark CorporationDirect Competitor2.64B44.9212.1434.75%10.77%0.53
WSFS logoWSFSWSFS Financial CorporationProduct Competitor3.8B72.1114.17-3.05%10.65%0.11
FULT logoFULTFulton Financial CorporationProduct Competitor4.19B21.7910.485.03%11.6%0.37
ACNB logoACNBACNB CorporationProduct Competitor551.12M53.2314.7928.89%9.2%0.78
NFBK logoNFBKNorthfield Bancorp, Inc.Product Competitor587.44M14.0519.5113.88%5.48%1.08

Compare CNOB vs Peers

ConnectOne Bancorp, Inc. (CNOB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs DCOM

Most directly comparable listed peer for CNOB.

Scale Benchmark

vs ICE

Larger-name benchmark to compare CNOB against a more recognizable public peer.

Peer Set

Compare Top 5

vs DCOM, OCFC, NBTB, TRMK

CNOB Income Statement

ConnectOne Bancorp, Inc. (CNOB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income143.65M155.2M184.54M236.35M261.91M300.46M251.44M242.99M353.25M
NII Growth %11.58%8.04%18.9%28.07%10.81%14.72%-16.31%-3.36%45.38%
Net Interest Margin %2.81%2.84%2.99%3.13%3.22%3.12%2.55%2.46%2.52%
Interest Income179.9M214.12M269.71M306.56M300.77M372.09M486.4M513.54M644.87M
Interest Expense36.26M58.92M85.17M70.21M38.86M71.63M234.96M270.55M291.62M
Loan Loss Provision6M21.1M8.1M41M-5.5M17.75M8.2M13.8M47M
Non-Interest Income9.63M7.49M9.81M16.04M15.99M14.9M17.66M21.08M-38.4M
Non-Interest Income %5.08%3.38%3.51%4.97%5.05%3.85%3.5%3.94%-6.33%
Total Revenue
189.53M▲ 0%
221.61M▲ 16.9%
279.52M▲ 26.1%
322.6M▲ 15.4%
316.75M▼ 1.8%
386.99M▲ 22.2%
504.07M▲ 30.3%
534.62M▲ 6.1%
606.47M▲ 13.4%
Revenue Growth %10.73%16.93%26.13%15.41%-1.81%22.17%30.25%6.06%13.44%
Non-Interest Expense78.76M70.45M92.23M121M108.34M126.39M143.95M151.8M155.11M
Efficiency Ratio41.56%31.79%33%37.51%34.2%32.66%28.56%28.39%25.58%
Operating Income
68.51M▲ 0%
71.13M▲ 3.8%
94.03M▲ 32.2%
90.39M▼ 3.9%
175.06M▲ 93.7%
171.22M▼ 2.2%
116.96M▼ 31.7%
98.47M▼ 15.8%
112.74M▲ 14.5%
Operating Margin %36.15%32.1%33.64%28.02%55.27%44.25%23.2%18.42%18.59%
Operating Income Growth %59.86%3.82%32.18%-3.87%93.67%-2.19%-31.69%-15.81%14.5%
Pretax Income
68.51M▲ 0%
71.13M▲ 3.8%
94.03M▲ 32.2%
90.39M▼ 3.9%
175.06M▲ 93.7%
171.22M▼ 2.2%
116.96M▼ 31.7%
98.47M▼ 15.8%
112.74M▲ 14.5%
Pretax Margin %36.15%32.1%33.64%28.02%55.27%44.25%23.2%18.42%18.59%
Income Tax25.29M10.78M20.63M19.1M44.7M46.01M29.95M24.67M32.3M
Effective Tax Rate %36.92%15.16%21.94%21.13%25.54%26.87%25.61%25.06%28.65%
Net Income
43.22M▲ 0%
60.35M▲ 39.6%
73.39M▲ 21.6%
71.29M▼ 2.9%
130.35M▲ 82.9%
125.21M▼ 3.9%
87M▼ 30.5%
73.79M▼ 15.2%
80.44M▲ 9.0%
Net Margin %22.8%27.23%26.26%22.1%41.15%32.36%17.26%13.8%13.26%
Net Income Growth %39.05%39.64%21.61%-2.87%82.85%-3.94%-30.51%-15.18%9.01%
Net Income (Continuing)43.22M60.35M73.39M71.29M130.35M125.21M87M73.79M80.44M
EPS (Diluted)
1.34▲ 0%
1.87▲ 39.6%
2.07▲ 10.7%
1.79▼ 13.5%
3.22▲ 79.9%
3.01▼ 6.5%
2.07▼ 31.2%
1.76▼ 15.0%
1.48▼ 15.9%
EPS Growth %32.67%39.55%10.7%-13.53%79.89%-6.52%-31.23%-14.98%-15.91%
EPS (Basic)1.351.882.081.803.243.032.071.771.48
Diluted Shares Outstanding32.24M32.36M35.29M39.64M40.48M39.48M38.96M38.52M50.41M

CNOB Balance Sheet

ConnectOne Bancorp, Inc. (CNOB) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments584.87M584.4M606.18M791.71M800.04M903.2M859.88M360.7M1.34B
Cash & Due from Banks149.58M172.37M201.48M303.76M265.54M268.31M242.71M356.49M92.41M
Short Term Investments435.28M412.03M404.7M487.95M534.51M634.88M617.16M4.21M1.25B
Total Investments4.6B4.93B5.52B6.66B7.3B8.67B8.9B8.83B1.25B
Investments Growth %18.51%7.17%12.06%20.61%9.53%18.84%2.6%-0.82%-85.83%
Long-Term Investments4.16B4.52B5.12B6.18B6.76B8.04B8.28B8.82B0
Accounts Receivables15.47M18.21M20.95M35.32M34.15M46.06M49.11M45.5M11.36B
Goodwill & Intangibles148.27M147.65M168.03M219.35M217.37M215.68M214.25M213.01M280.16M
Goodwill145.91M145.91M162.57M208.37M208.37M208.37M208.37M208.37M220.24M
Intangible Assets2.36M1.74M5.46M10.98M9M7.31M5.87M4.64M59.92M
PP&E (Net)21.66M19.06M34.37M46.27M40.05M37.98M42.79M42.94M84.89M
Other Assets173.62M175.17M224.82M279.52M273.97M403.26M407.85M395.86M0
Total Current Assets600.34M602.61M627.13M827.03M834.2M949.26M908.98M406.2M12.7B
Total Non-Current Assets4.51B4.86B5.55B6.72B7.3B8.7B8.95B9.47B365.05M
Total Assets
5.11B▲ 0%
5.46B▲ 6.9%
6.17B▲ 13.0%
7.55B▲ 22.2%
8.13B▲ 7.7%
9.64B▲ 18.6%
9.86B▲ 2.2%
9.88B▲ 0.2%
14B▲ 41.7%
Asset Growth %15.41%6.92%13.03%22.24%7.71%18.64%2.18%0.24%41.73%
Return on Assets (ROA)0.91%1.14%1.26%1.04%1.66%1.41%0.89%0.75%0.67%
Accounts Payable000000000
Total Debt724.78M728.56M645.63M646.63M633.56M1.02B1.03B783.51M1.17B
Net Debt575.19M556.19M444.14M342.87M368.02M753.96M783.48M427.02M1.08B
Long-Term Debt724.78M728.56M629.18M628.6M621.14M180.88M132.02M107.48M1.11B
Short-Term Debt00000830M881M664.11M32.45M
Other Liabilities23.1M27.52M29.67M26.18M38.75M87.3M76.59M34.28M11.26B
Total Current Liabilities3.8B4.09B4.77B5.96B6.33B8.19B8.42B8.48B32.45M
Total Non-Current Liabilities747.88M756.07M675.3M672.8M672.32M279.57M221.78M157.25M12.4B
Total Liabilities4.54B4.85B5.44B6.63B7.01B8.47B8.64B8.64B12.43B
Total Equity
565.44M▲ 0%
613.93M▲ 8.6%
731.19M▲ 19.1%
915.31M▲ 25.2%
1.12B▲ 22.8%
1.18B▲ 4.9%
1.22B▲ 3.2%
1.24B▲ 2.1%
1.57B▲ 26.7%
Equity Growth %6.48%8.58%19.1%25.18%22.82%4.85%3.21%2.06%26.71%
Equity / Assets (Capital Ratio)11.07%11.24%11.84%12.13%13.83%12.22%12.34%12.57%11.24%
Return on Equity (ROE)7.88%10.23%10.91%8.66%12.78%10.87%7.26%6%5.72%
Book Value per Share17.5418.9720.7223.0927.7729.8631.2332.2331.21
Tangible BV per Share12.9414.4115.9617.5622.4024.4025.7326.7025.65
Common Stock412.55M412.55M468.57M586.95M586.95M586.95M586.95M586.95M857.76M
Additional Paid-in Capital13.6M15.54M21.34M23.89M27.25M30.13M33.18M36.35M38.76M
Retained Earnings160.03M211.34M271.78M331.95M440.17M535.91M590.97M631.45M673.9M
Accumulated OCI-4.02M-8.79M-1.15M2.8M-1.4M-32.36M-35.11M-47.85M-31.9M
Treasury Stock-16.72M-16.72M-29.36M-30.27M-39.67M-52.8M-70.3M-76.12M-76.12M
Preferred Stock0000110.93M110.93M110.93M110.93M110.93M

CNOB Cash Flow Statement

ConnectOne Bancorp, Inc. (CNOB) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations131.13M89.06M60.69M81.13M202.27M176.78M92.89M60.7M106.4M
Operating CF Growth %163.79%-32.08%-31.86%33.68%149.34%-12.6%-47.45%-34.65%75.28%
Net Income43.22M60.35M73.39M71.29M130.35M125.21M87M73.79M80.44M
Depreciation & Amortization3.88M3.69M4.46M6.8M5.74M5.5M5.94M5.66M14.01M
Deferred Taxes3.7M926K104K-7.5M16K-403K4.13M-2.04M-2.77M
Other Non-Cash Items71.55M21.17M4.18M45.67M4.62M17.76M10.81M6.69M14.96M
Working Capital Changes7.09M1.11M-24.39M-38.09M57.01M23.82M-19.86M-27.97M-4.89M
Cash from Investing-817.73M-357.21M-102.47M-323.37M-689.86M-1.54B-248.04M55.15M-186.16M
Purchase of Investments-224.62M-140.01M-225.85M-340.09M-350.28M-349.56M-45.01M-82.05M-443.27M
Sale/Maturity of Investments138.65M141.86M362.41M276.41M285.87M150.29M64.55M69.65M443.58M
Net Investment Activity-85.97M1.85M136.56M-63.68M-64.41M-199.28M19.54M-12.39M313K
Acquisitions0011.21M87.39M974K00054.87M
Other Investing-729.09M-357.01M-248.71M-344.88M-623.64M-1.34B-260.14M71.34M-235.95M
Cash from Financing635.78M290.94M70.9M344.51M449.37M1.37B129.55M-2.08M104.17M
Dividends Paid-9.61M-9.66M-12.16M-14.32M-19.21M-29.46M-31.95M-33.32M-37.99M
Share Repurchases0-819K-12.64M-1.55M-10.68M-15.26M-19.4M-7.22M-2.23M
Stock Issued417K00000000
Net Stock Activity417K-819K-12.64M-1.55M-10.68M-15.26M-19.4M-7.22M-2.23M
Debt Issuance (Net)1000K1000K-1000K-1000K-1000K1000K936K-1000K-1000K
Other Financing436.39M297.9M260.85M410.84M376.06M1.02B179.96M284M164.39M
Net Change in Cash
-50.82M▲ 0%
22.78M▲ 144.8%
29.12M▲ 27.8%
102.27M▲ 251.2%
-38.22M▼ 137.4%
2.78M▲ 107.3%
-25.6M▼ 1021.2%
113.77M▲ 544.4%
24.41M▼ 78.5%
Exchange Rate Effect000000000
Cash at Beginning200.4M149.58M172.37M201.48M303.76M265.54M268.31M242.71M356.49M
Cash at End149.58M172.37M201.48M303.76M265.54M268.31M242.71M356.49M380.89M
Interest Paid36.72M55.66M88.52M74.7M41.79M67.85M230.81M270.95M286.29M
Income Taxes Paid16.2M9.09M18.5M26.55M45.43M49.23M31.65M24M43.74M
Free Cash Flow
128.47M▲ 0%
87.01M▼ 32.3%
59.16M▼ 32.0%
78.93M▲ 33.4%
199.49M▲ 152.8%
173.48M▼ 13.0%
85.46M▼ 50.7%
56.91M▼ 33.4%
101.01M▲ 77.5%
FCF Growth %173.29%-32.27%-32.01%33.41%152.76%-13.04%-50.74%-33.41%77.5%

CNOB Banking Ratios

ConnectOne Bancorp, Inc. (CNOB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)6.16%7.88%10.23%10.91%8.66%12.78%10.87%7.26%6%5.72%
Return on Assets (ROA)0.74%0.91%1.14%1.26%1.04%1.66%1.41%0.89%0.75%0.67%
Net Interest Margin2.91%2.81%2.84%2.99%3.13%3.22%3.12%2.55%2.46%2.52%
Efficiency Ratio34.18%41.56%31.79%33%37.51%34.2%32.66%28.56%28.39%25.58%
Equity / Assets12%11.07%11.24%11.84%12.13%13.83%12.22%12.34%12.57%11.24%
Book Value / Share17.317.5418.9720.7223.0927.7729.8631.2332.2331.21
NII Growth10.91%11.58%8.04%18.9%28.07%10.81%14.72%-16.31%-3.36%45.38%
Dividend Payout29.17%22.24%16.01%16.57%20.08%13.42%18.71%29.78%36.97%39.73%

CNOB SEC Filings & Documents

ConnectOne Bancorp, Inc. (CNOB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Apr 9, 2026·SEC

Material company update

Feb 12, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 24, 2026·SEC

FY 2025

Feb 21, 2025·SEC

FY 2024

Feb 23, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 3, 2025·SEC

FY 2025

Aug 11, 2025·SEC

FY 2025

May 2, 2025·SEC

CNOB Frequently Asked Questions

ConnectOne Bancorp, Inc. (CNOB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

ConnectOne Bancorp, Inc. (CNOB) grew revenue by 13.4% over the past year. This is steady growth.

Yes, ConnectOne Bancorp, Inc. (CNOB) is profitable, generating $80.4M in net income for fiscal year 2025 (13.3% net margin).

Dividend & Returns

Yes, ConnectOne Bancorp, Inc. (CNOB) pays a dividend with a yield of 2.10%. This makes it attractive for income-focused investors.

ConnectOne Bancorp, Inc. (CNOB) has a return on equity (ROE) of 5.7%. This is below average, suggesting room for improvement.

Industry Metrics

ConnectOne Bancorp, Inc. (CNOB) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.

ConnectOne Bancorp, Inc. (CNOB) has an efficiency ratio of 25.6%. This is excellent, indicating strong cost control.

Explore More CNOB

ConnectOne Bancorp, Inc. (CNOB) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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