What is Center Bancorp Inc's earnings per share (EPS)?

Center Bancorp Inc (CNOB) reported diluted earnings per share of $1.63 for fiscal year 2025. This represents a -7.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Center Bancorp Inc (CNOB) Financials

CNOB

Trailing 12 months to June 30, 2026

Revenue $544.9M +56.6% YoY

Net Income $160.0M +326.8% YoY

EPS (Diluted) $3.05 +250.6% YoY

Free Cash Flow $127.7M +261.1% YoY

Market Cap $1.5B as of Oct 5, 2026

Price / Sales 2.8x on $544.9M revenue, trailing 12 months to June 30, 2026

Price / Earnings 9.6x on $160.0M net income, trailing 12 months to June 30, 2026

Price / Book 0.9x on $1.6B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 4, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 4, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CNOB SEC filings page.

Center Bancorp Inc (CNOB) reported $544.9M in revenue over the twelve months to Jun 30, 2026, up 56.6% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CNOB FY2025 2026-10-04

The 2025 expansion enlarged the balance sheet faster than profits, leaving returns lower despite higher reported revenue.

Assets expanded 41.7% from FY2024 to FY2025, while net income increased only 9.0%, indicating balance-sheet growth did not translate proportionally into earnings. That mismatch is visible in return on assets falling from 0.8% to 0.6%, so the larger asset base generated less profit per dollar deployed.

Liabilities grew 43.9% while equity increased 26.7%, meaning the expansion relied more heavily on obligations than on internally built capital. The debt-to-equity ratio consequently rose from 7.0x to 7.9x, showing a more leveraged balance-sheet structure.

Reported cash conversion was stronger than earnings alone suggest: operating cash flow reached $106M against net income of $80M. However, free cash flow was $101M while investing cash flow was -$186M, indicating operating cash was being redeployed substantially into investment activity rather than simply accumulating.

Financial Health Signals

Financial Health Score 52/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Center Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Center Bancorp Inc earned a return on assets of 0.6% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 0.8% the prior year. Earnings ranks banks on that return over three years, and Center Bancorp Inc scores 34/100 among other banks.

Growth

Center Bancorp Inc reported revenue of $388.3M in fiscal year 2025, against $264.1M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Center Bancorp Inc scores 79/100 among other banks.

Capital

Center Bancorp Inc funded 11.2% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.6B of equity against $14.0B of assets. Capital ranks banks on that cushion, and Center Bancorp Inc scores 49/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Center Bancorp Inc scores 74/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Center Bancorp Inc scores 24/100 on it among other banks.

Stability

Center Bancorp Inc reported net income of $80.4M in fiscal year 2025, against $73.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Center Bancorp Inc scores 53/100 among other banks.

Piotroski F-Score Partial

4/6

Center Bancorp Inc passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.32x

For every $1 of reported earnings, Center Bancorp Inc generates $1.32 in operating cash flow ($106.4M OCF vs $80.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$121.6M

YoY+44.6%

QoQ+5.2%

5Y CAGR+12.5%

10Y CAGR+13.6%

Center Bancorp Inc generated $121.6M in revenue in Q2 2026. This represents an increase of 44.6% from the same quarter a year earlier. Against the prior quarter it is up 5.2%.

Net Income

$41.7M

YoY+305.3%

QoQ+10.2%

5Y CAGR+5.3%

10Y CAGR+14.4%

Center Bancorp Inc reported $41.7M in net income in Q2 2026. This represents an increase of 305.3% from the same quarter a year earlier. Against the prior quarter it is up 10.2%.

EPS (Diluted)

$0.80

YoY+253.8%

QoQ+11.1%

5Y CAGR-0.2%

10Y CAGR+8.3%

Center Bancorp Inc earned $0.80 per diluted share (EPS) in Q2 2026. This represents an increase of 253.8% from the same quarter a year earlier. Against the prior quarter it is up 11.1%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$33.7M

YoY+427.0%

QoQ+139.9%

5Y CAGR-2.8%

10Y CAGR+7.3%

Center Bancorp Inc generated $33.7M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 427.0% from the same quarter a year earlier. Against the prior quarter it is up 139.9%.

Cash & Debt

$362.3M

YoY-39.3%

QoQ+5.2%

5Y CAGR+0.7%

10Y CAGR+7.5%

Center Bancorp Inc held $362.3M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.20

YoY+8.3%

QoQ+8.3%

5Y CAGR+12.1%

Center Bancorp Inc paid $0.20 per share in dividends in Q2 2026. This represents an increase of 8.3% from the same quarter a year earlier. Against the prior quarter it is up 8.3%.

Shares Outstanding

50M

YoY+0.1%

QoQ+0.1%

5Y CAGR+4.8%

10Y CAGR+5.2%

Center Bancorp Inc had 50M shares outstanding in Q2 2026. This represents an increase of 0.1% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Margins & Returns

Net Margin

34.3%

YoY+58.4pp

QoQ+1.6pp

5Y change-13.5pp

10Y change+2.3pp

Center Bancorp Inc's net profit margin was 34.3% in Q2 2026, showing the share of revenue converted to profit. This is up 58.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.6 percentage points.

Return on Equity

2.6%

YoY+3.9pp

QoQ+0.2pp

5Y change-0.8pp

10Y change+0.3pp

Center Bancorp Inc's ROE was 2.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 3.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

QoQ-100.0%

Center Bancorp Inc repurchased no shares in Q2 2026. Against the prior quarter it is down 100.0%.

Capital Expenditures

$795K

YoY+1069.1%

QoQ-38.2%

5Y CAGR+10.9%

10Y CAGR+6.1%

Center Bancorp Inc invested $795K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 1069.1% from the same quarter a year earlier. Against the prior quarter it is down 38.2%.

R&D Spending

Not reported for Q2 2026.

CNOB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CNOB quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$544.9M	$388.3M+47.1%	$264.1M-1.9%	$269.1M-14.7%	$315.4M+13.2%	$278.6M+10.4%	$252.4M+29.9%	$194.4M+19.5%	$162.7M+6.1%	$153.3M+9.4%	$140.1M+9.1%	$128.3M+47.7%	$86.9M+63.8%	$53.0M+4.6%	$50.7M+7.4%	$47.2M
SG&A Expenses	N/A	$111.4M+23.7%	$90.1M+2.1%	$88.2M+9.3%	$80.7M+25.5%	$64.3M+9.3%	$58.9M+20.1%	$49.0M+23.9%	$39.6M+13.4%	$34.9M+13.5%	$30.7M+11.0%	$27.7M+47.0%	$18.8M+39.8%	$13.5M+7.1%	$12.6M+9.1%	$11.5M
Interest Expense	$320.3M	$291.6M+7.8%	$270.6M+15.1%	$235.0M+228.0%	$71.6M+84.3%	$38.9M-44.7%	$70.2M-17.6%	$85.2M+44.5%	$58.9M+62.5%	$36.3M+16.6%	$31.1M+30.6%	$23.8M+60.8%	$14.8M+33.6%	$11.1M-5.9%	$11.8M-3.3%	$12.2M
Income Tax	$61.0M	$32.3M+30.9%	$24.7M-17.6%	$30.0M-34.9%	$46.0M+2.9%	$44.7M+134.0%	$19.1M-7.4%	$20.6M+91.3%	$10.8M-57.4%	$25.3M+114.8%	$11.8M-40.9%	$19.9M+125.3%	$8.8M+18.2%	$7.5M-2.5%	$7.7M+3.6%	$7.4M
Net Income	$160.0M	$80.4M+9.0%	$73.8M-15.2%	$87.0M-30.5%	$125.2M-3.9%	$130.4M+82.9%	$71.3M-2.9%	$73.4M+21.6%	$60.4M+39.6%	$43.2M+39.1%	$31.1M-24.8%	$41.3M+122.5%	$18.6M-6.8%	$19.9M+13.8%	$17.5M+25.7%	$13.9M
EPS (Basic)	N/A	$1.64-7.3%	$1.77-14.9%	$2.08-31.4%	$3.03-6.5%	$3.24+80.0%	$1.80-13.5%	$2.08+11.2%	$1.87+38.5%	$1.35+32.4%	$1.02-25.5%	$1.37+71.3%	$0.80-33.9%	$1.21+15.2%	$1.05+31.3%	$0.80
EPS (Diluted)	$3.05	$1.63-7.4%	$1.76-15.0%	$2.07-31.2%	$3.01-6.5%	$3.22+79.9%	$1.79-13.5%	$2.07+11.3%	$1.86+38.8%	$1.34+32.7%	$1.01-25.7%	$1.36+72.2%	$0.79	$1.21+15.2%	$1.05+31.3%	$0.80
Diluted Shares (Avg)	N/A	45M+18.0%	38M-1.2%	39M-1.3%	39M-1.0%	40M+0.6%	40M	N/A	N/A	N/A	N/A	30M+29.0%	23M	16M+0.2%	16M+0.2%	16M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Revenue	$121.6M+44.6%	$115.6M+64.7%	$186.3M+45.5%	$121.4M+85.0%	$84.1M+27.7%	$70.2M+9.4%	$128.0M-0.7%	$65.6M-0.4%
SG&A Expenses	$31.5M+25.0%	$32.8M+45.1%	N/A	$32.4M+41.1%	$25.2M+11.1%	$22.6M+2.0%	N/A	$23.0M+3.2%
Interest Expense	$79.3M+18.1%	$75.6M+28.1%	$79.7M+25.9%	$85.7M+23.6%	$67.1M-2.1%	$59.0M-14.8%	$63.3M-5.7%	$69.4M+13.1%
Income Tax	$16.2M+424.4%	$14.7M+105.4%	$13.9M+127.6%	$16.3M+170.3%	-$5.0M-174.6%	$7.2M+21.8%	$6.1M-2.0%	$6.0M-16.7%
Net Income	$41.7M+305.3%	$37.8M+86.8%	$39.5M+94.0%	$41.0M+138.8%	-$20.3M-206.5%	$20.2M+17.7%	$20.4M+5.7%	$17.2M-19.8%
EPS (Basic)	$0.80+253.8%	$0.72+46.9%	$0.76+55.1%	$0.79+92.7%	-$0.52-213.0%	$0.49+19.5%	$0.49+6.5%	$0.41-19.6%
EPS (Diluted)	$0.80+253.8%	$0.72+46.9%	$0.75+53.1%	$0.78+90.2%	-$0.52-213.0%	$0.49+19.5%	$0.49+6.5%	$0.41-19.6%
Diluted Shares (Avg)	50M+20.0%	50M+30.8%	N/A	50M+31.0%	42M+9.2%	39M0.0%	N/A	39M-0.8%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

CNOB Balance Sheet

CNOB quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$14.0B+41.7%	$9.9B+0.2%	$9.9B+2.2%	$9.6B+18.6%	$8.1B+7.7%	$7.5B+22.2%	$6.2B+13.0%	$5.5B+6.9%	$5.1B+15.4%	$4.4B+10.2%	$4.0B+16.5%	$3.4B+106.1%	$1.7B+2.7%	$1.6B+13.8%	$1.4B
Cash & Equivalents	$380.9M+6.8%	$356.5M+46.9%	$242.7M-9.5%	$268.3M+1.0%	$265.5M-12.6%	$303.8M+50.8%	$201.5M+16.9%	$172.4M+15.2%	$149.6M-25.4%	$200.4M-0.2%	$200.9M+58.4%	$126.8M+53.4%	$82.7M-22.1%	$106.1M-4.5%	$111.1M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$220.2M+5.7%	$208.4M0.0%	$208.4M0.0%	$208.4M0.0%	$208.4M0.0%	$208.4M+28.2%	$162.6M+11.4%	$145.9M0.0%	$145.9M0.0%	$145.9M0.0%	$145.9M0.0%	$145.9M+768.3%	$16.8M0.0%	$16.8M-0.6%	$16.9M
Total Liabilities	$12.4B+43.9%	$8.6B0.0%	$8.6B+2.0%	$8.5B+20.9%	$7.0B+5.6%	$6.6B+21.8%	$5.4B+12.3%	$4.8B+6.7%	$4.5B+16.6%	$3.9B+10.1%	$3.5B+17.9%	$3.0B+99.6%	$1.5B+2.4%	$1.5B+13.3%	$1.3B
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	$500.3M-16.6%	$600.0M-10.5%	$670.1M+40.7%	$476.3M-29.1%	$671.6M+35.5%	$495.6M+239.4%	$146.0M0.0%	$146.0M-9.3%	$161.0M
Total Equity	$1.6B+26.7%	$1.2B+2.1%	$1.2B+3.2%	$1.2B+4.9%	$1.1B+22.8%	$915.3M+25.2%	$731.2M+19.1%	$613.9M+8.6%	$565.4M+6.5%	$531.0M+11.2%	$477.3M+7.0%	$446.2M+164.7%	$168.6M+4.9%	$160.7M+18.2%	$135.9M
Retained Earnings	$673.9M+6.7%	$631.4M+6.8%	$591.0M+10.3%	$535.9M+21.8%	$440.2M+32.6%	$332.0M+22.1%	$271.8M+28.6%	$211.3M+32.1%	$160.0M+26.5%	$126.5M+20.9%	$104.6M+44.5%	$72.4M+16.9%	$61.9M+32.4%	$46.8M+43.0%	$32.7M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Total Assets	$14.4B+3.6%	$14.2B+45.6%	$14.0B+41.7%	$14.0B+45.5%	$13.9B+43.1%	$9.8B-1.0%	$9.9B+0.2%	$9.6B-0.4%
Cash & Equivalents	$362.3M-39.3%	$344.5M+17.7%	$380.9M+6.8%	$542.7M+119.5%	$596.5M+103.2%	$292.6M+5.4%	$356.5M+46.9%	$247.2M-2.4%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$220.2M+2.1%	$220.2M+5.7%	$220.2M+5.7%	$215.6M+3.5%	$215.6M+3.5%	$208.4M0.0%	$208.4M0.0%	$208.4M0.0%
Total Liabilities	$12.8B+2.9%	$12.6B+48.3%	$12.4B+43.9%	$12.5B+48.6%	$12.4B+46.1%	$8.5B-1.5%	$8.6B0.0%	$8.4B-1.1%
Total Equity	$1.6B+8.7%	$1.6B+27.0%	$1.6B+26.7%	$1.5B+24.1%	$1.5B+22.2%	$1.3B+3.0%	$1.2B+2.1%	$1.2B+4.3%
Retained Earnings	$731.5M+19.0%	$701.2M+9.0%	$673.9M+6.7%	$644.9M+4.1%	$614.5M+0.6%	$643.3M+7.2%	$631.4M+6.8%	$619.5M+6.9%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

CNOB Cash Flow Statement

CNOB quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$134.8M	$106.4M+75.3%	$60.7M-34.7%	$92.9M-47.5%	$176.8M-12.6%	$202.3M+149.3%	$81.1M+33.7%	$60.7M-31.9%	$89.1M-32.1%	$131.1M+163.8%	$49.7M+7.5%	$46.2M+51.3%	$30.6M+32.0%	$23.2M+9.9%	$21.1M+16.5%	$18.1M
Depreciation & Amortization	N/A	$14.0M+147.6%	$5.7M-4.8%	$5.9M+7.1%	$5.5M+47.7%	$3.8M-11.5%	$4.2M+39.0%	$3.1M-0.3%	$3.1M-2.8%	$3.2M+16.5%	$2.7M+17.1%	$2.3M+50.0%	$1.5M+73.7%	$886K-3.1%	$914K-7.0%	$983K
Stock-Based Compensation	N/A	$4.6M+1.8%	$4.6M-6.0%	$4.9M-0.6%	$4.9M+7.8%	$4.5M+53.8%	$2.9M+0.2%	$2.9M+56.2%	$1.9M+6.0%	$1.8M-15.9%	$2.1M+182.9%	$747K+235.0%	$223K+278.0%	$59K+51.3%	$39K+11.4%	$35K
Capital Expenditures	$7.1M	$5.4M+42.1%	$3.8M-49.0%	$7.4M+125.2%	$3.3M+18.6%	$2.8M+26.6%	$2.2M+44.0%	$1.5M-25.5%	$2.1M-22.9%	$2.7M-1.5%	$2.7M-30.4%	$3.9M+95.4%	$2.0M+104.1%	$973K+15.6%	$842K+166.5%	$316K
Free Cash Flow	$127.7M	$101.0M+77.5%	$56.9M-33.4%	$85.5M-50.7%	$173.5M-13.0%	$199.5M+152.8%	$78.9M+33.4%	$59.2M-32.0%	$87.0M-32.3%	$128.5M+173.3%	$47.0M+11.0%	$42.4M+48.2%	$28.6M+28.9%	$22.2M+9.7%	$20.2M+13.8%	$17.8M
Investing Cash Flow	-$638.8M	-$186.2M-437.5%	$55.2M+122.2%	-$248.0M+83.9%	-$1.5B-123.7%	-$689.9M-113.3%	-$323.4M-215.6%	-$102.5M+71.3%	-$357.2M+56.3%	-$817.7M-91.2%	-$427.7M+15.3%	-$504.7M-249.6%	-$144.4M-86.2%	-$77.6M+28.4%	-$108.3M+29.0%	-$152.6M
Financing Cash Flow	$269.7M	$104.2M+5115.3%	-$2.1M-101.6%	$129.5M-90.5%	$1.4B+204.7%	$449.4M+30.4%	$344.5M+385.9%	$70.9M-75.6%	$290.9M-54.2%	$635.8M+68.4%	$377.5M-29.1%	$532.6M+237.1%	$158.0M+410.3%	$31.0M-62.4%	$82.3M-60.5%	$208.1M
Dividends Paid	$37.0M	$32.0M+17.1%	$27.3M+5.3%	$25.9M+10.6%	$23.4M+33.9%	$17.5M+22.2%	$14.3M+17.7%	$12.2M+25.8%	$9.7M+0.5%	$9.6M+6.0%	$9.1M+0.8%	$9.0M+29.6%	$6.9M+63.1%	$4.3M+53.1%	$2.8M+42.1%	$2.0M
Share Buybacks	$2.4M	$0-100.0%	$5.8M-66.7%	$17.5M+33.3%	$13.1M+39.6%	$9.4M+931.9%	$911K	N/A	N/A	$180K	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Operating Cash Flow	$34.5M+433.8%	$15.3M+2.9%	$47.7M+48.0%	$37.4M+360.1%	$6.5M-71.0%	$14.9M-27.4%	$32.2M+13.8%	-$14.4M-153.3%
Depreciation & Amortization	$4.6M+79.6%	$4.7M+237.8%	$5.0M+250.0%	$5.0M+260.8%	$2.6M+83.5%	$1.4M-3.2%	$1.4M-4.1%	$1.4M-6.4%
Stock-Based Compensation	N/A	$1.4M+11.2%	N/A	$1.3M+18.2%	$1.2M+9.1%	$1.3M+27.7%	N/A	$1.1M-15.4%
Capital Expenditures	$795K+1069.1%	$1.3M+389.0%	$1.6M-29.0%	$3.5M+171.5%	$68K-45.6%	$263K+90.6%	$2.3M-35.2%	$1.3M+170.9%
Free Cash Flow	$33.7M+427.0%	$14.0M-4.1%	$46.1M+53.8%	$33.9M+316.8%	$6.4M-71.2%	$14.6M-28.2%	$30.0M+20.7%	-$15.6M-159.1%
Investing Cash Flow	-$120.5M-402.2%	-$233.1M-493.9%	-$140.0M+10.6%	-$145.2M-441.7%	$39.9M-70.7%	$59.2M+78.9%	-$156.5M+9.2%	$42.5M+207.8%
Financing Cash Flow	$103.8M-59.7%	$181.3M+231.5%	-$69.6M-129.8%	$54.1M+172.7%	$257.6M+280.8%	-$138.0M-636.7%	$233.5M+75.0%	-$74.4M-37.5%
Dividends Paid	$9.8M+41.6%	$9.1M+31.0%	$9.1M+31.0%	$9.1M+31.0%	$6.9M+0.4%	$6.9M+5.6%	$6.9M+5.2%	$6.9M+4.4%
Share Buybacks	$0	$2.4M	$0	$0	$0	$0-100.0%	$0-100.0%	$0-100.0%

CNOB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CNOB quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	20.7%-7.2pp	28.0%-4.4pp	32.3%-7.4pp	39.7%-7.1pp	46.8%+18.5pp	28.2%-9.5pp	37.8%+0.7pp	37.1%+8.9pp	28.2%+6.0pp	22.2%-10.0pp	32.2%+10.8pp	21.4%-16.2pp	37.6%+3.0pp	34.5%+5.0pp	29.5%
Return on Equity	5.1%-0.8pp	5.9%-1.2pp	7.1%-3.5pp	10.6%-1.0pp	11.6%+3.8pp	7.8%-2.3pp	10.0%+0.2pp	9.8%+2.2pp	7.6%+1.8pp	5.9%-2.8pp	8.6%+4.5pp	4.2%-7.7pp	11.8%+0.9pp	10.9%+0.6pp	10.3%
Return on Assets	0.6%-0.2pp	0.8%-0.1pp	0.9%-0.4pp	1.3%-0.3pp	1.6%+0.7pp	0.9%-0.3pp	1.2%+0.1pp	1.1%+0.2pp	0.9%+0.2pp	0.7%-0.3pp	1.0%+0.5pp	0.5%-0.7pp	1.2%+0.1pp	1.1%+0.1pp	1.0%
Debt-to-Equity	7.90+0.9x	6.96-0.1x	7.10-0.1x	7.18+1.0x	6.23-1.0x	7.25+6.6x	0.68-0.3x	0.98-0.2x	1.19+0.3x	0.90-0.5x	1.41+0.3x	1.11+0.2x	0.870.0x	0.91-0.3x	1.18
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.03
FCF Margin	26.0%+4.5pp	21.6%-10.2pp	31.8%-23.3pp	55.0%-16.6pp	71.6%+40.3pp	31.3%+0.8pp	30.4%-23.0pp	53.5%-30.3pp	83.8%+50.3pp	33.6%+0.6pp	33.0%+0.1pp	32.9%-8.9pp	41.8%+1.9pp	39.9%+2.3pp	37.6%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Net Margin	34.3%+58.4pp	32.7%+3.9pp	21.2%+5.3pp	33.8%+7.6pp	-24.1%-53.1pp	28.8%+2.0pp	15.9%+1.0pp	26.2%-6.3pp
Return on Equity	2.6%+3.9pp	2.4%+0.8pp	2.5%+0.9pp	2.7%+1.3pp	-1.4%-2.9pp	1.6%+0.2pp	1.6%+0.1pp	1.4%-0.4pp
Return on Assets	0.3%+0.4pp	0.3%+0.1pp	0.3%+0.1pp	0.3%+0.1pp	-0.1%-0.4pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp
Debt-to-Equity	7.86-0.4x	7.93+1.1x	7.90+0.9x	8.12+1.3x	8.30+1.4x	6.79-0.3x	6.96-0.1x	6.78-0.4x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	27.7%+20.1pp	12.1%-8.7pp	24.7%+1.3pp	27.9%+51.7pp	7.6%-26.1pp	20.8%-10.9pp	23.4%+4.1pp	-23.8%-63.9pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Center Bancorp Inc CNOB	FY2025	$388.3M	$80.4M	20.7%	$1.5B	52/100
Bank First Corporation BFC	FY2025	$173.9M	$71.5M	41.1%	$1.7B	69/100
Westamerica Bancorporation WABC	FY2025	$258.1M	$116.2M	45.0%	$1.4B	70/100
Columbia Financial, Inc. CLBK	FY2025	$471.0M	$51.8M	11.0%	$3.1B	50/100
Dime Commercial Bancshares, Inc. DCOM	FY2025	$452.9M	$110.7M	24.4%	$1.8B	37/100
Byline Bancorp, Inc. BY	FY2025	$446.3M	$130.1M	29.1%	$1.7B	59/100

Where Center Bancorp Inc Ranks

Frequently Asked Questions

What is Center Bancorp Inc's annual revenue?

Center Bancorp Inc (CNOB) reported $388.3M in total revenue for fiscal year 2025. This represents a 47.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Center Bancorp Inc's revenue growing?

Center Bancorp Inc (CNOB) revenue grew by 47.1% year-over-year, from $264.1M to $388.3M in fiscal year 2025.

Is Center Bancorp Inc profitable?

Yes, Center Bancorp Inc (CNOB) reported a net income of $80.4M in fiscal year 2025, with a net profit margin of 20.7%.

What is Center Bancorp Inc's net profit margin?

Center Bancorp Inc (CNOB) had a net profit margin of 20.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Center Bancorp Inc pay dividends?

Yes, Center Bancorp Inc (CNOB) paid $0.72 per share in dividends during fiscal year 2025.

What is Center Bancorp Inc's return on equity (ROE)?

Center Bancorp Inc (CNOB) has a return on equity of 5.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Center Bancorp Inc's free cash flow?

Center Bancorp Inc (CNOB) generated $101.0M in free cash flow during fiscal year 2025. This represents a 77.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Center Bancorp Inc's operating cash flow?

Center Bancorp Inc (CNOB) generated $106.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Center Bancorp Inc's total assets?

Center Bancorp Inc (CNOB) had $14.0B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Center Bancorp Inc's capital expenditures?

Center Bancorp Inc (CNOB) invested $5.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Center Bancorp Inc have outstanding?

Center Bancorp Inc (CNOB) had 50M shares outstanding as of fiscal year 2025.

What is Center Bancorp Inc's debt-to-equity ratio?

Center Bancorp Inc (CNOB) had a debt-to-equity ratio of 7.90 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Center Bancorp Inc's return on assets (ROA)?

Center Bancorp Inc (CNOB) had a return on assets of 0.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Center Bancorp Inc's P/E ratio?

Center Bancorp Inc (CNOB) trades at 9.6x earnings, its market capitalization divided by net income of $160.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.5B as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Center Bancorp Inc's price-to-sales ratio?

Center Bancorp Inc (CNOB) trades at 2.8x sales, its market capitalization divided by revenue of $544.9M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.5B as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Center Bancorp Inc's Piotroski F-Score?

Center Bancorp Inc (CNOB) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Center Bancorp Inc's earnings high quality?

Center Bancorp Inc (CNOB) has an earnings quality ratio of 1.32x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Center Bancorp Inc?

Center Bancorp Inc (CNOB) scores 52 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.