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 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $1.81M | - | - | - | $1.10M | - | - | - | $1.10M | - |
| Operating Income | $52.53M | - | $57.25M | ($25.28M) | $27.40M | - | $23.18M | $25.74M | $23.08M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $69.31M | - |
| Income Tax | $14.71M | - | $16.28M | ($4.99M) | $7.16M | - | $6.02M | $6.69M | $5.88M | - |
| Net Income | $37.82M | - | $40.98M | ($20.29M) | $20.24M | - | $17.16M | $19.06M | $17.20M | - |
| EPS - Basic | $0.72 | - | $0.79 | ($0.52) | $0.49 | - | $0.41 | $0.46 | $0.41 | - |
| EPS - Diluted | $0.72 | - | $0.78 | ($0.52) | $0.49 | - | $0.41 | $0.46 | $0.41 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $344.47M | $380.89M | $542.73M | $596.53M | $292.60M | $356.49M | $247.25M | $293.51M | $277.58M | $242.71M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $14.21B | $14.00B | $14.02B | $13.92B | $9.76B | $9.88B | $9.64B | $9.72B | $9.85B | $9.86B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $12.62B | $12.43B | $12.49B | $12.42B | $8.51B | $8.64B | $8.40B | $8.50B | $8.64B | $8.64B |
| Stockholders' Equity | $1.59B | $1.57B | $1.54B | $1.50B | $1.25B | $1.24B | $1.24B | $1.22B | $1.22B | $1.22B |
| Retained Earnings | $701.15M | $673.90M | $644.94M | $614.53M | $643.26M | $631.45M | $619.50M | $610.76M | $600.12M | $590.97M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $15.32M | - | - | - | $14.89M | - | - | - | $20.52M | - |
| Investing Cash Flow | ($233.08M) | - | - | - | $59.17M | - | - | - | $33.07M | - |
| Financing Cash Flow | $181.34M | - | - | - | ($137.95M) | - | - | - | ($18.73M) | - |
| CapEx | $1.29M | - | - | - | $263.0K | - | - | - | $138.0K | - |
| Free Cash Flow | $14.03M | - | - | - | $14.63M | - | - | - | $20.38M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 0.37 | - | - | - | 0.72 | - | - | - | 1.18 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 28.0% | - | 28.4% | - | 26.1% | - | 26.0% | 26.0% | 25.5% | - |
| Return on assets | 0.3% | - | 0.3% | -0.1% | 0.2% | - | 0.2% | 0.2% | 0.2% | - |
| Return on equity | 2.4% | - | 2.7% | -1.4% | 1.6% | - | 1.4% | 1.6% | 1.4% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.3x | - |
| Equity multiplier | 8.93 | 8.90 | 9.12 | 9.30 | 7.79 | 7.96 | 7.78 | 7.94 | 8.10 | 8.10 |
| Liabilities / Assets | 0.89 | 0.89 | 0.89 | 0.89 | 0.87 | 0.87 | 0.87 | 0.87 | 0.88 | 0.88 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 37.2x | - | 31.8x | - | 49.6x | - | 61.1x | 41.1x | 47.6x | - |
| P / B | 0.8x | - | 0.8x | 0.7x | 0.7x | - | 0.8x | 0.6x | 0.6x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | 18.5x | - | - | - | 22.6x | - | - | - | 19.6x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 91.7% | - | 147.0% | - | 18.7% | - | -19.0% | -10.7% | -32.1% | - |
| Net income growth (YoY) | 86.8% | - | 138.8% | - | 17.7% | - | -19.8% | -10.9% | -31.0% | - |
| EPS growth (YoY) | 46.9% | - | 90.2% | - | 19.5% | - | -19.6% | -9.8% | -30.5% | - |
| EPS CAGR (3y) | 6.9% | - | 3.7% | - | -13.2% | - | -20.0% | -17.2% | -20.6% | - |
| EPS CAGR (5y) | -2.6% | - | 4.7% | - | 26.7% | - | -7.6% | -3.2% | 4.4% | - |
| FCF growth (YoY) | -4.1% | - | - | - | -28.2% | - | - | - | 50.9% | - |
| FCF CAGR (5y) | -29.4% | - | - | - | -20.0% | - | - | - | 9.9% | - |
| Book value growth (YoY) | 27.0% | 26.7% | 24.1% | 22.2% | 3.0% | 2.1% | 4.3% | 2.1% | 2.2% | 3.2% |
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 |