Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
ConnectOne Bancorp, Inc.'s quarterly P/E stands at 8.7x, down 25.2% year-over-year — suggesting improving earnings relative to price.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 21.93 | 8.74 | 6.82 | — | 12.40 | 11.69 | 15.27 | 10.27 | 11.89 | 12.45 | 8.74 | 8.13 | 7.49 |
| — | -25.2% | -55.4% | — | +4.3% | -6.1% | +74.8% | +26.2% | +58.7% | +62.5% | +6.1% | +3.8% | -29.8% | |
| P/S Ratio | 2.69 | 1.75 | 1.26 | 1.61 | 1.81 | 1.67 | 1.79 | 1.35 | 1.41 | 1.66 | 1.36 | 1.30 | 1.46 |
| — | +4.5% | -29.3% | +19.5% | +28.7% | +0.7% | +31.4% | +4.2% | -3.7% | -19.1% | -39.8% | -52.3% | -62.3% | |
| P/B Ratio | 1.04 | 0.84 | 0.68 | 0.65 | 0.75 | 0.71 | 0.78 | 0.59 | 0.62 | 0.73 | 0.58 | 0.54 | 0.58 |
| — | +18.2% | -12.6% | +10.0% | +21.0% | -2.3% | +33.6% | +9.9% | +5.8% | -10.0% | -26.2% | -36.1% | -47.8% | |
| P/FCF | 16.16 | 7.02 | 7.72 | 38.22 | 16.00 | 7.36 | — | 8.19 | 9.21 | 8.91 | 6.54 | 7.84 | 12.86 |
| — | -4.7% | — | +366.7% | +73.7% | -17.4% | — | +4.5% | -28.4% | +202.4% | -33.9% | -20.2% | +82.6% | |
| EV / EBITDA | 24.03 | 11.24 | 6.31 | — | 11.74 | 11.74 | 15.82 | 11.82 | 14.72 | 15.46 | 11.77 | 10.25 | 7.58 |
| — | -4.2% | -60.1% | — | -20.3% | -24.1% | +34.4% | +15.2% | +94.3% | +67.6% | +22.2% | +9.7% | -12.9% | |
| EV / EBIT | 24.03 | 11.24 | 6.86 | — | 12.33 | 12.38 | 16.77 | 12.46 | 15.63 | 16.37 | 12.38 | 10.79 | 7.90 |
| — | -9.2% | -59.1% | — | -21.1% | -24.4% | +35.4% | +15.5% | +97.8% | +72.2% | +24.3% | +11.9% | -12.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
ConnectOne Bancorp, Inc.'s operating margin was 28.3% in Q4 2025, up 0.6 pp QoQ and up 8.2 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 15.1% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 14.7% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 44.2% | 56.5% | 56.0% | 32.0% | 51.6% | 49.3% | 45.8% | 47.1% | 45.1% | 47.6% | 50.6% | 51.5% | 57.9% |
| — | +14.7% | +22.2% | -32.1% | +14.5% | +3.6% | -9.5% | -8.5% | -22.2% | -29.5% | -29.0% | -39.8% | -34.0% | |
| Operating Margin | 18.6% | 28.3% | 27.6% | -16.7% | 21.2% | 20.1% | 17.2% | 19.2% | 17.3% | 19.1% | 22.5% | 23.1% | 28.6% |
| — | +40.8% | +60.9% | -187.3% | +22.6% | +4.9% | -23.7% | -17.1% | -39.5% | -50.6% | -42.6% | -53.7% | -45.1% | |
| Net Margin | 13.3% | 20.9% | 19.8% | -13.4% | 15.7% | 15.5% | 12.7% | 14.2% | 12.9% | 14.5% | 16.8% | 17.1% | 21.0% |
| — | +35.4% | +55.6% | -194.7% | +21.5% | +6.8% | -24.4% | -17.3% | -38.5% | -48.4% | -41.6% | -53.0% | -45.2% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.7% | 2.5% | 2.7% | -1.5% | 1.6% | 1.6% | 1.4% | 1.6% | 1.4% | 1.6% | 1.8% | 1.8% | 2.1% |
| — | +54.7% | +93.8% | -194.5% | +14.8% | +2.4% | -22.3% | -12.8% | -32.8% | -42.7% | -28.9% | -36.9% | -24.1% | |
| ROA | 0.7% | 0.3% | 0.3% | -0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% |
| — | +35.1% | +65.4% | -188.0% | +18.0% | +5.8% | -19.7% | -10.4% | -31.3% | -42.1% | -30.1% | -42.3% | -33.3% | |
| ROIC | 3.5% | 1.5% | 1.7% | -0.8% | 1.0% | 1.0% | 0.8% | 0.9% | 0.8% | 0.9% | 1.0% | 1.0% | 1.2% |
| — | +54.7% | +97.2% | -191.9% | +31.9% | +11.6% | -16.5% | -11.0% | -33.6% | -44.1% | -26.5% | -40.2% | -36.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
ConnectOne Bancorp, Inc.'s Debt/EBITDA ratio is 21.9x, up from 17.2x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 817309.3% YoY to 391.51x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.74 | 0.74 | 0.69 | 0.73 | 0.56 | 0.63 | 0.68 | 0.69 | 0.80 | 0.84 | 0.82 | 0.76 | 0.79 |
| — | +17.9% | +2.8% | +5.4% | -29.1% | -25.2% | -18.1% | -9.1% | +0.8% | -2.7% | -4.8% | -16.0% | +56.1% | |
| Debt / EBITDA | 10.38 | 21.93 | 17.15 | — | 24.60 | 28.09 | 34.06 | 31.32 | 39.58 | 38.03 | 32.51 | 30.22 | 26.58 |
| — | -21.9% | -49.6% | — | -37.9% | -26.1% | +4.8% | +3.6% | +48.9% | +72.2% | +33.1% | +32.6% | +103.4% | |
| Current Ratio | 391.51 | 391.51 | 0.10 | 0.11 | 0.09 | 0.05 | 0.12 | 1.07 | 0.11 | 0.12 | 0.12 | 0.13 | 0.16 |
| — | +817309.3% | -11.7% | -89.8% | -20.8% | -60.3% | -2.5% | +727.6% | -28.7% | -6.5% | -13.0% | -14.9% | +22.1% | |
| Quick Ratio | 391.51 | 391.51 | 0.10 | 0.11 | 0.09 | 0.05 | 0.12 | 1.07 | 0.11 | 0.12 | 0.12 | 0.13 | 0.16 |
| — | +817309.3% | -11.7% | -89.8% | -20.8% | -60.3% | -2.5% | +727.6% | -28.7% | -6.5% | -13.0% | -14.9% | +22.1% | |
| Interest Coverage | 0.39 | 0.67 | 0.67 | -0.38 | 0.46 | 0.42 | 0.33 | 0.38 | 0.33 | 0.38 | 0.47 | 0.50 | 0.69 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying CNOB stock.
ConnectOne Bancorp, Inc.'s current P/E is 21.9x. The average P/E over the last 3 quarters is 9.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
ConnectOne Bancorp, Inc.'s current operating margin is 18.6%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking ConnectOne Bancorp, Inc.'s business trajectory between earnings reports.