8-K Announcements
6Apr 23, 2026·SEC
Apr 9, 2026·SEC
Feb 12, 2026·SEC
ConnectOne Bancorp, Inc. (CNOB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
ConnectOne Bancorp, Inc. (CNOB) stock price & volume — 10-year historical chart
ConnectOne Bancorp, Inc. (CNOB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
ConnectOne Bancorp, Inc. (CNOB) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.79vs $0.73+8.2% | $117Mvs $115M+1.0% |
| Q1 2026 | Jan 29, 2026 | $0.83vs $0.74+12.2% | $115Mvs $115M-0.5% |
| Q4 2025 | Oct 30, 2025 | $0.70vs $0.65+7.7% | $121Mvs $111M+9.4% |
| Q3 2025 | Jul 29, 2025 | $0.55vs $0.52+5.8% | $84Mvs $111M-24.3% |
ConnectOne Bancorp, Inc. (CNOB) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
ConnectOne Bancorp, Inc. (CNOB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
ConnectOne Bancorp, Inc. (CNOB) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 143.65M | 155.2M | 184.54M | 236.35M | 261.91M | 300.46M | 251.44M | 242.99M | 353.25M |
| 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 Income | 179.9M | 214.12M | 269.71M | 306.56M | 300.77M | 372.09M | 486.4M | 513.54M | 644.87M |
| Interest Expense | 36.26M | 58.92M | 85.17M | 70.21M | 38.86M | 71.63M | 234.96M | 270.55M | 291.62M |
| Loan Loss Provision | 6M | 21.1M | 8.1M | 41M | -5.5M | 17.75M | 8.2M | 13.8M | 47M |
| Non-Interest Income | 9.63M | 7.49M | 9.81M | 16.04M | 15.99M | 14.9M | 17.66M | 21.08M | -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 Expense | 78.76M | 70.45M | 92.23M | 121M | 108.34M | 126.39M | 143.95M | 151.8M | 155.11M |
| Efficiency Ratio | 41.56% | 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 Tax | 25.29M | 10.78M | 20.63M | 19.1M | 44.7M | 46.01M | 29.95M | 24.67M | 32.3M |
| 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) | 43.22M | 60.35M | 73.39M | 71.29M | 130.35M | 125.21M | 87M | 73.79M | 80.44M |
| 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) | 1.35 | 1.88 | 2.08 | 1.80 | 3.24 | 3.03 | 2.07 | 1.77 | 1.48 |
| Diluted Shares Outstanding | 32.24M | 32.36M | 35.29M | 39.64M | 40.48M | 39.48M | 38.96M | 38.52M | 50.41M |
ConnectOne Bancorp, Inc. (CNOB) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 584.87M | 584.4M | 606.18M | 791.71M | 800.04M | 903.2M | 859.88M | 360.7M | 1.34B |
| Cash & Due from Banks | 149.58M | 172.37M | 201.48M | 303.76M | 265.54M | 268.31M | 242.71M | 356.49M | 92.41M |
| Short Term Investments | 435.28M | 412.03M | 404.7M | 487.95M | 534.51M | 634.88M | 617.16M | 4.21M | 1.25B |
| Total Investments | 4.6B | 4.93B | 5.52B | 6.66B | 7.3B | 8.67B | 8.9B | 8.83B | 1.25B |
| Investments Growth % | 18.51% | 7.17% | 12.06% | 20.61% | 9.53% | 18.84% | 2.6% | -0.82% | -85.83% |
| Long-Term Investments | 4.16B | 4.52B | 5.12B | 6.18B | 6.76B | 8.04B | 8.28B | 8.82B | 0 |
| Accounts Receivables | 15.47M | 18.21M | 20.95M | 35.32M | 34.15M | 46.06M | 49.11M | 45.5M | 11.36B |
| Goodwill & Intangibles | 148.27M | 147.65M | 168.03M | 219.35M | 217.37M | 215.68M | 214.25M | 213.01M | 280.16M |
| Goodwill | 145.91M | 145.91M | 162.57M | 208.37M | 208.37M | 208.37M | 208.37M | 208.37M | 220.24M |
| Intangible Assets | 2.36M | 1.74M | 5.46M | 10.98M | 9M | 7.31M | 5.87M | 4.64M | 59.92M |
| PP&E (Net) | 21.66M | 19.06M | 34.37M | 46.27M | 40.05M | 37.98M | 42.79M | 42.94M | 84.89M |
| Other Assets | 173.62M | 175.17M | 224.82M | 279.52M | 273.97M | 403.26M | 407.85M | 395.86M | 0 |
| Total Current Assets | 600.34M | 602.61M | 627.13M | 827.03M | 834.2M | 949.26M | 908.98M | 406.2M | 12.7B |
| Total Non-Current Assets | 4.51B | 4.86B | 5.55B | 6.72B | 7.3B | 8.7B | 8.95B | 9.47B | 365.05M |
| 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 Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 724.78M | 728.56M | 645.63M | 646.63M | 633.56M | 1.02B | 1.03B | 783.51M | 1.17B |
| Net Debt | 575.19M | 556.19M | 444.14M | 342.87M | 368.02M | 753.96M | 783.48M | 427.02M | 1.08B |
| Long-Term Debt | 724.78M | 728.56M | 629.18M | 628.6M | 621.14M | 180.88M | 132.02M | 107.48M | 1.11B |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 830M | 881M | 664.11M | 32.45M |
| Other Liabilities | 23.1M | 27.52M | 29.67M | 26.18M | 38.75M | 87.3M | 76.59M | 34.28M | 11.26B |
| Total Current Liabilities | 3.8B | 4.09B | 4.77B | 5.96B | 6.33B | 8.19B | 8.42B | 8.48B | 32.45M |
| Total Non-Current Liabilities | 747.88M | 756.07M | 675.3M | 672.8M | 672.32M | 279.57M | 221.78M | 157.25M | 12.4B |
| Total Liabilities | 4.54B | 4.85B | 5.44B | 6.63B | 7.01B | 8.47B | 8.64B | 8.64B | 12.43B |
| 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 Share | 17.54 | 18.97 | 20.72 | 23.09 | 27.77 | 29.86 | 31.23 | 32.23 | 31.21 |
| Tangible BV per Share | 12.94 | 14.41 | 15.96 | 17.56 | 22.40 | 24.40 | 25.73 | 26.70 | 25.65 |
| Common Stock | 412.55M | 412.55M | 468.57M | 586.95M | 586.95M | 586.95M | 586.95M | 586.95M | 857.76M |
| Additional Paid-in Capital | 13.6M | 15.54M | 21.34M | 23.89M | 27.25M | 30.13M | 33.18M | 36.35M | 38.76M |
| Retained Earnings | 160.03M | 211.34M | 271.78M | 331.95M | 440.17M | 535.91M | 590.97M | 631.45M | 673.9M |
| Accumulated OCI | -4.02M | -8.79M | -1.15M | 2.8M | -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 Stock | 0 | 0 | 0 | 0 | 110.93M | 110.93M | 110.93M | 110.93M | 110.93M |
ConnectOne Bancorp, Inc. (CNOB) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 131.13M | 89.06M | 60.69M | 81.13M | 202.27M | 176.78M | 92.89M | 60.7M | 106.4M |
| Operating CF Growth % | 163.79% | -32.08% | -31.86% | 33.68% | 149.34% | -12.6% | -47.45% | -34.65% | 75.28% |
| Net Income | 43.22M | 60.35M | 73.39M | 71.29M | 130.35M | 125.21M | 87M | 73.79M | 80.44M |
| Depreciation & Amortization | 3.88M | 3.69M | 4.46M | 6.8M | 5.74M | 5.5M | 5.94M | 5.66M | 14.01M |
| Deferred Taxes | 3.7M | 926K | 104K | -7.5M | 16K | -403K | 4.13M | -2.04M | -2.77M |
| Other Non-Cash Items | 71.55M | 21.17M | 4.18M | 45.67M | 4.62M | 17.76M | 10.81M | 6.69M | 14.96M |
| Working Capital Changes | 7.09M | 1.11M | -24.39M | -38.09M | 57.01M | 23.82M | -19.86M | -27.97M | -4.89M |
| Cash from Investing | -817.73M | -357.21M | -102.47M | -323.37M | -689.86M | -1.54B | -248.04M | 55.15M | -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 Investments | 138.65M | 141.86M | 362.41M | 276.41M | 285.87M | 150.29M | 64.55M | 69.65M | 443.58M |
| Net Investment Activity | -85.97M | 1.85M | 136.56M | -63.68M | -64.41M | -199.28M | 19.54M | -12.39M | 313K |
| Acquisitions | 0 | 0 | 11.21M | 87.39M | 974K | 0 | 0 | 0 | 54.87M |
| Other Investing | -729.09M | -357.01M | -248.71M | -344.88M | -623.64M | -1.34B | -260.14M | 71.34M | -235.95M |
| Cash from Financing | 635.78M | 290.94M | 70.9M | 344.51M | 449.37M | 1.37B | 129.55M | -2.08M | 104.17M |
| Dividends Paid | -9.61M | -9.66M | -12.16M | -14.32M | -19.21M | -29.46M | -31.95M | -33.32M | -37.99M |
| Share Repurchases | 0 | -819K | -12.64M | -1.55M | -10.68M | -15.26M | -19.4M | -7.22M | -2.23M |
| Stock Issued | 417K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 417K | -819K | -12.64M | -1.55M | -10.68M | -15.26M | -19.4M | -7.22M | -2.23M |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | -1000K | 1000K | 936K | -1000K | -1000K |
| Other Financing | 436.39M | 297.9M | 260.85M | 410.84M | 376.06M | 1.02B | 179.96M | 284M | 164.39M |
| 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 Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 200.4M | 149.58M | 172.37M | 201.48M | 303.76M | 265.54M | 268.31M | 242.71M | 356.49M |
| Cash at End | 149.58M | 172.37M | 201.48M | 303.76M | 265.54M | 268.31M | 242.71M | 356.49M | 380.89M |
| Interest Paid | 36.72M | 55.66M | 88.52M | 74.7M | 41.79M | 67.85M | 230.81M | 270.95M | 286.29M |
| Income Taxes Paid | 16.2M | 9.09M | 18.5M | 26.55M | 45.43M | 49.23M | 31.65M | 24M | 43.74M |
| 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% |
ConnectOne Bancorp, Inc. (CNOB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 2.91% | 2.81% | 2.84% | 2.99% | 3.13% | 3.22% | 3.12% | 2.55% | 2.46% | 2.52% |
| Efficiency Ratio | 34.18% | 41.56% | 31.79% | 33% | 37.51% | 34.2% | 32.66% | 28.56% | 28.39% | 25.58% |
| Equity / Assets | 12% | 11.07% | 11.24% | 11.84% | 12.13% | 13.83% | 12.22% | 12.34% | 12.57% | 11.24% |
| Book Value / Share | 17.3 | 17.54 | 18.97 | 20.72 | 23.09 | 27.77 | 29.86 | 31.23 | 32.23 | 31.21 |
| NII Growth | 10.91% | 11.58% | 8.04% | 18.9% | 28.07% | 10.81% | 14.72% | -16.31% | -3.36% | 45.38% |
| Dividend Payout | 29.17% | 22.24% | 16.01% | 16.57% | 20.08% | 13.42% | 18.71% | 29.78% | 36.97% | 39.73% |
ConnectOne Bancorp, Inc. (CNOB) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 23, 2026·SEC
Apr 9, 2026·SEC
Feb 12, 2026·SEC
ConnectOne Bancorp, Inc. (CNOB) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.
ConnectOne Bancorp, Inc. (CNOB) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates