CNOB · Connectone Bancorp, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $6.09M | $4.42M | $4.50M | $4.24M | $3.76M | $4.24M |
| Operating Income | $112.74M | $98.47M | $116.96M | $171.22M | $90.39M | $90.39M |
| Interest Expense | - | - | $234.96M | $71.63M | $38.86M | $70.21M |
| Income Tax | $32.30M | $24.67M | $29.95M | $46.01M | $44.70M | $19.10M |
| Net Income | $80.44M | $73.79M | $87.00M | $125.21M | $130.35M | $71.29M |
| EPS - Basic | $1.64 | $1.77 | $2.08 | $3.03 | $3.24 | $1.80 |
| EPS - Diluted | $1.63 | $1.76 | $2.07 | $3.01 | $3.22 | $1.79 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $380.89M | $356.49M | $242.71M | $268.31M | $265.54M | $303.76M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $14.00B | $9.88B | $9.86B | $9.64B | $8.13B | $7.55B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $12.43B | $8.64B | $8.64B | $8.47B | $7.01B | $6.63B |
| Stockholders' Equity | $1.57B | $1.24B | $1.22B | $1.18B | $1.12B | $915.31M |
| Retained Earnings | $673.90M | $631.45M | $590.97M | $535.91M | $440.17M | $331.95M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $106.40M | $60.70M | $92.89M | $176.78M | $202.27M | $81.13M |
| Investing Cash Flow | ($186.16M) | $55.15M | ($248.04M) | ($1.54B) | ($689.86M) | ($323.37M) |
| Financing Cash Flow | $104.17M | ($2.08M) | $129.55M | $1.37B | $449.37M | $344.51M |
| CapEx | $5.39M | $3.79M | $7.43M | $3.30M | $2.78M | $2.20M |
| Free Cash Flow | $101.01M | $56.91M | $85.46M | $173.48M | $199.49M | $78.93M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.26 | 0.77 | 0.98 | 1.39 | 1.53 | 1.11 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 28.6% | 25.1% | 25.6% | 26.9% | 25.5% | 21.1% |
| Return on assets | 0.6% | 0.7% | 0.9% | 1.3% | 1.6% | 0.9% |
| Return on equity | 5.1% | 5.9% | 7.2% | 10.6% | 11.6% | 7.8% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 0.5x | 2.4x | 2.3x | 1.3x |
| Equity multiplier | 8.90 | 7.96 | 8.10 | 8.18 | 7.23 | 8.25 |
| Liabilities / Assets | 0.89 | 0.87 | 0.88 | 0.88 | 0.86 | 0.88 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 16.1x | 13.0x | 11.1x | 8.0x | 10.2x | 11.1x |
| P / B | 0.8x | 0.7x | 0.7x | 0.8x | - | - |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 6.8x | 5.1x | 5.4x | 3.9x | - | - |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 14.5% | -15.8% | -31.7% | 89.4% | 0.0% | 31.9% |
| Net income growth (YoY) | 9.0% | -15.2% | -30.5% | -3.9% | 82.9% | -2.9% |
| EPS growth (YoY) | -7.4% | -15.0% | -31.2% | -6.5% | 79.9% | -13.5% |
| EPS CAGR (3y) | -18.5% | -18.2% | 5.0% | 13.3% | 20.1% | 10.1% |
| EPS CAGR (5y) | -1.9% | -3.2% | 2.2% | 17.6% | 26.1% | 5.6% |
| FCF growth (YoY) | 77.5% | -33.4% | -50.7% | -13.0% | 152.8% | 33.4% |
| FCF CAGR (5y) | 5.1% | -0.8% | -0.4% | 29.8% | 33.5% | 10.3% |
| Book value growth (YoY) | 26.7% | 2.1% | 3.2% | 4.9% | 22.8% | 25.2% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
3/9
Weak
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing ConnectOne Bancorp against the 5 most active filers in the same SIC group.
Dividends
$0.73/share trailing 12 months · +2.1% YoY
| Ex-date | Per share |
|---|---|
| May 15, 2026 | $0.1950 |
| Feb 13, 2026 | $0.1800 |
| Nov 14, 2025 | $0.1800 |
| Aug 15, 2025 | $0.1800 |
| May 15, 2025 | $0.1800 |
| Feb 18, 2025 | $0.1800 |
| Nov 15, 2024 | $0.1800 |
| Aug 15, 2024 | $0.1800 |
| May 14, 2024 | $0.1800 |
| Feb 14, 2024 | $0.1700 |
| Nov 14, 2023 | $0.1700 |
| Aug 14, 2023 | $0.1700 |
| May 12, 2023 | $0.1700 |
| Feb 16, 2023 | $0.1550 |
| Nov 10, 2022 | $0.1550 |
| Aug 12, 2022 | $0.1550 |
| May 13, 2022 | $0.1550 |
| Feb 11, 2022 | $0.1300 |
| Nov 12, 2021 | $0.1300 |
| Aug 13, 2021 | $0.1100 |
| May 14, 2021 | $0.1100 |
| Feb 11, 2021 | $0.0900 |
| Nov 13, 2020 | $0.0900 |
| Aug 14, 2020 | $0.0900 |