ConnectOne Bancorp, Inc. (CNOB) Earnings History
Earnings Pressure31 years of earnings data (1995–2025) · 5-year EPS trend is negative
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ConnectOne Bancorp, Inc. (CNOB) Earnings Overview
As of June 21, 2026, ConnectOne Bancorp, Inc. (CNOB) reported trailing twelve-month net income of $80M, reflecting -15.9% year-over-year growth. The company earned $1.60 per diluted share over the past four quarters, with a net profit margin of 13.3%.
Looking at the long-term picture, CNOB's 5-year EPS compound annual growth rate (CAGR) stands at -3.7%, signaling declining earnings. The company achieved its highest annual net income of $130M in fiscal 2021.
ConnectOne Bancorp, Inc. maintains positive profitability with a gross margin of 44.2%, operating margin of 18.6%, and net margin of 13.3%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including DCOM ($111M net income, 15.2% margin), OCFC ($71M net income, 10.8% margin), NBTB ($169M net income, 19.5% margin), CNOB has room to improve margins relative to the peer group. Compare CNOB vs DCOM →
CNOB Earnings vs Peers
Earnings metrics vs comparable public companies
CNOB Historical Earnings Data (1995–2025)
31 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $80M | +9.0% | $113M | $1.48 | 13.3% | 18.6% |
| 2024 | $74M | -15.2% | $98M | $1.76 | 13.8% | 18.4% |
| 2023 | $87M | -30.5% | $117M | $2.07 | 17.3% | 23.2% |
| 2022 | $125M | -3.9% | $171M | $3.01 | 32.4% | 44.2% |
| 2021 | $130M | +82.9% | $175M | $3.22 | 41.2% | 55.3% |
| 2020 | $71M | -2.9% | $90M | $1.79 | 22.1% | 28.0% |
| 2019 | $73M | +21.6% | $94M | $2.07 | 26.3% | 33.6% |
| 2018 | $60M | +39.6% | $71M | $1.87 | 27.2% | 32.1% |
| 2017 | $43M | +39.1% | $69M | $1.34 | 22.8% | 36.1% |
| 2016 | $31M | -24.8% | $43M | $1.01 | 18.2% | 25.0% |
| 2015 | $41M | +122.5% | $61M | $1.36 | 27.6% | 40.8% |
| 2014 | $19M | -6.8% | $27M | $0.79 | 18.3% | 27.0% |
| 2013 | $20M | +13.8% | $27M | $1.21 | 31.1% | 42.7% |
| 2012 | $18M | +25.7% | $25M | $1.05 | 28.4% | 40.9% |
| 2011 | $14M | +98.8% | $21M | $0.80 | 23.4% | 35.9% |
| 2010 | $7M | +85.7% | $7M | $0.43 | 13.7% | 14.1% |
| 2009 | $4M | -35.5% | $5M | $0.30 | 6.9% | 8.6% |
| 2008 | $6M | +51.5% | $7M | $0.45 | 11.1% | 14.1% |
| 2007 | $4M | -1.1% | $923,000 | $0.28 | 6.8% | 1.6% |
| 2006 | $4M | -49.0% | $569,000 | $0.27 | 7.2% | 1.1% |
| 2005 | $8M | +0.3% | $9M | $0.60 | 14.1% | 16.2% |
| 2004 | $8M | +18.7% | $9M | $0.71 | 17.5% | 21.3% |
| 2003 | $6M | -19.8% | $8M | $0.61 | 16.4% | 19.4% |
| 2002 | $8M | +33.1% | $12M | $0.82 | 18.3% | 26.8% |
| 2001 | $6M | +20.1% | $9M | $0.59 | 14.7% | 22.0% |
| 2000 | $5M | +8.1% | $7M | $0.52 | 13.4% | 19.8% |
| 1999 | $5M | +10.2% | $7M | $0.48 | 14.0% | 21.0% |
| 1998 | $4M | -6.7% | $6M | $0.41 | 13.2% | 19.9% |
| 1997 | $5M | +7.1% | $7M | $0.47 | 14.1% | 21.1% |
| 1996 | $4M | +5.0% | $6M | $0.44 | 15.5% | 21.4% |
| 1995 | $4M | - | $6M | $0.43 | 17.8% | 24.4% |
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CNOB — Frequently Asked Questions
Quick answers to the most common questions about buying CNOB stock.
What is CNOB earnings per share (EPS)?
CNOB trailing twelve-month (TTM) diluted EPS is $1.60, reflecting -15.9% year-over-year growth. The 5-year EPS CAGR is -3.7%. Complete EPS history from 1995 to 2025 is available in the table on this page.
What is ConnectOne Bancorp, Inc.'s net income?
ConnectOne Bancorp, Inc. (CNOB) trailing twelve-month net income is $80M as of 2025. Earnings declined -15.9% year-over-year. ConnectOne Bancorp, Inc. has been profitable for 31 consecutive years.
Is CNOB profitable?
Yes, CNOB is profitable with a TTM net income of $80M and a net profit margin of +13.3%. ConnectOne Bancorp, Inc. has generated profits for 31 consecutive years.
What is CNOB's earnings growth rate?
CNOB compound annual EPS growth rates (CAGR): 1-Year: -15.9%, 3-Year: -21.1%, 5-Year: -3.7%, 10-Year: +0.8%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1995 to 2025.
What are CNOB's profit margins?
ConnectOne Bancorp, Inc. net profit margin is +13.3%, operating margin is +18.6%, and gross margin is +44.2%. Margins are within a typical range for the sector. Return on Equity is +5.7%.
Is CNOB growing earnings?
CNOB earnings are declining — EPS fell -15.9% year-over-year. TTM net income dropped to $80M. This contrasts with the 5-year CAGR of -3.7%.
What was CNOB's best earnings year?
ConnectOne Bancorp, Inc.'s highest annual net income on record is $130M, achieved in fiscal year 2021. Earnings history on this page spans 1995 to 2025 and includes all annual and quarterly figures.
What were CNOB's earnings last quarter?
CNOB's most recent reported quarter was Q4 2025. Net income was $40M with diluted EPS of $0.75. For a full breakdown of all quarters, see the quarterly earnings table on this page.