What is ConnectOne Bancorp, Inc.'s earnings per share (EPS)?

ConnectOne Bancorp, Inc. (CNOBP) 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.

ConnectOne Bancorp, Inc. (CNOBP) Financials

CNOBP

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

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 CNOBP SEC filings page.

ConnectOne Bancorp, Inc. (CNOBP) 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 CNOBP FY2025 2026-09-05

Liability-funded balance-sheet expansion is the dominant mechanic, while rising financing costs dilute returns.

Across FY2021 to FY2025, net margin compressed from 46.8% to 20.7%. Over the same span, interest expense rose from $39M to $292M, making financing burden a plausible explanation for why a larger revenue base failed to lift earnings.

In FY2025, total assets increased 42% while liabilities increased 44%, showing that balance-sheet growth was funded predominantly through liabilities. Debt-to-equity reached 7.9x from 7.0x in FY2024, so equity provided a thinner buffer against asset-side volatility. Returns also weakened: ROA fell from 0.8% to 0.6%, meaning the larger asset base generated less profit per dollar deployed.

In FY2025, operating cash flow of $106M exceeded net income of $80M, indicating earnings were not merely accrual-driven. Free cash flow of $101M was nearly as high despite capital expenditures of $5M, suggesting limited reinvestment was needed to produce the reported cash generation.

Financial Health Signals

Financial health score not available

ConnectOne Bancorp, Inc. does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

4/6

ConnectOne 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, ConnectOne 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%

ConnectOne 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%

ConnectOne 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%

ConnectOne 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%

ConnectOne 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%

ConnectOne 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%

ConnectOne 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%

ConnectOne 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

ConnectOne 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

ConnectOne 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%

ConnectOne 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%

ConnectOne 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.

CNOBP 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.

CNOBP 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.

CNOBP Balance Sheet

CNOBP 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.

CNOBP Cash Flow Statement

CNOBP 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%

CNOBP 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.

CNOBP 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.

Where ConnectOne Bancorp, Inc. Ranks

Frequently Asked Questions

What is ConnectOne Bancorp, Inc.'s annual revenue?

ConnectOne Bancorp, Inc. (CNOBP) 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 ConnectOne Bancorp, Inc.'s revenue growing?

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

Is ConnectOne Bancorp, Inc. profitable?

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

What is ConnectOne Bancorp, Inc.'s net profit margin?

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

Does ConnectOne Bancorp, Inc. pay dividends?

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

What is ConnectOne Bancorp, Inc.'s return on equity (ROE)?

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

What is ConnectOne Bancorp, Inc.'s free cash flow?

ConnectOne Bancorp, Inc. (CNOBP) 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 ConnectOne Bancorp, Inc.'s operating cash flow?

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

What are ConnectOne Bancorp, Inc.'s total assets?

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

What are ConnectOne Bancorp, Inc.'s capital expenditures?

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

How many shares does ConnectOne Bancorp, Inc. have outstanding?

ConnectOne Bancorp, Inc. (CNOBP) had 50M shares outstanding as of fiscal year 2025.

What is ConnectOne Bancorp, Inc.'s debt-to-equity ratio?

ConnectOne Bancorp, Inc. (CNOBP) 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 ConnectOne Bancorp, Inc.'s return on assets (ROA)?

ConnectOne Bancorp, Inc. (CNOBP) 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 ConnectOne Bancorp, Inc.'s Piotroski F-Score?

ConnectOne Bancorp, Inc. (CNOBP) 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 ConnectOne Bancorp, Inc.'s earnings high quality?

ConnectOne Bancorp, Inc. (CNOBP) 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.