ConnectOne Bancorp, Inc.
ConnectOne Bancorp, Inc.
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||
Cash And Due From Banks | 40 | 39 | 92 | 97 | 98 | 50 | 58 | 61 | 47 | 45 | 61 | 56 | |||||
Interest Bearing Deposits In Banks | 323 | 305 | 288 | 446 | 499 | 243 | 299 | 186 | 246 | 232 | 181 | 197 | |||||
Cash And Cash Equivalents At Carrying Value | 362 | 344 | 381 | 543 | 597 | 293 | 356 | 247 | 294 | 278 | 243 | 253 | |||||
Available For Sale Securities Debt Securities | - | - | - | - | - | 637 | 613 | 647 | 621 | 619 | 617 | 582 | |||||
Debt Securities Available For Sale Excluding Accru… | 1,179 | 1,196 | 1,251 | 1,252 | 1,227 | - | 613 | - | - | - | - | - | |||||
Equity Securities Fv Ni | 20 | 19 | 19 | 20 | 20 | 19 | 20 | 20 | 20 | 19 | 19 | 18 | |||||
Loans Receivable Held For Sale Amount | 0 | 10 | 0 | 0 | 1 | 0 | 1 | - | 0 | - | 0 | 0 | |||||
Notes Receivable Gross | - | - | - | - | - | 8,201 | 8,275 | 8,112 | 8,158 | 8,298 | 8,345 | 8,181 | |||||
Financing Receivable Allowance For Credit Losses | - | - | - | - | - | 82 | 83 | 82 | 82 | 83 | 82 | 88 | |||||
Financing Receivable Excluding Accrued Interest Be… | - | 11,736 | 11,453 | 11,304 | 11,164 | - | 8,275 | - | - | - | - | - | |||||
Financing Receivable Allowance For Credit Loss Exc… | - | 153 | 154 | 156 | 156 | 82 | 83 | 82 | 82 | - | - | - | |||||
Notes Receivable Net | - | - | - | - | - | 8,119 | 8,192 | 8,029 | 8,076 | 8,215 | 8,263 | 8,093 | |||||
Financing Receivable Excluding Accrued Interest Af… | - | 11,583 | 11,299 | 11,147 | 11,008 | - | 8,192 | - | - | - | - | - | |||||
Investment Owned Restricted Cost | 47 | 51 | 55 | 52 | 49 | 37 | 40 | 43 | 43 | 49 | 51 | 49 | |||||
Property Plant And Equipment Net | 54 | 55 | 55 | 56 | 54 | 28 | 28 | 29 | 29 | 30 | 31 | 28 | |||||
Interest Receivable | 62 | 62 | 61 | 61 | 61 | 47 | 45 | 47 | 48 | 50 | 49 | 47 | |||||
Bank Owned Life Insurance | 377 | 374 | 371 | 368 | 365 | 245 | 244 | 242 | 241 | 239 | 238 | 236 | |||||
Operating Lease Right Of Use Asset | 30 | 28 | 30 | 29 | 31 | 14 | 14 | 14 | 13 | 12 | 12 | 11 | |||||
Goodwill | 220 | 220 | 220 | 216 | 216 | 208 | 208 | 208 | 208 | 208 | 208 | 208 | |||||
Other Real Estate | - | - | - | - | - | - | - | - | - | - | 0 | 0 | |||||
Finite Lived Core Deposits Gross | - | - | - | - | - | - | - | 5 | 5 | 6 | 6 | 6 | |||||
Other Assets | 278 | 209 | 201 | 218 | 220 | 110 | 112 | 107 | 125 | 129 | 119 | 147 | |||||
Assets | 14,412 | 14,210 | 14,003 | 14,024 | 13,916 | 9,759 | 9,880 | 9,640 | 9,724 | 9,854 | 9,856 | 9,679 | |||||
Deposits | |||||||||||||||||
Noninterest Bearing Deposit Liabilities | 2,513 | 2,394 | 2,420 | 2,513 | 2,425 | 1,319 | 1,422 | 1,263 | 1,269 | 1,291 | 1,259 | 1,224 | |||||
Interest Bearing Deposit Liabilities | 9,227 | 9,119 | 8,820 | 8,856 | 8,854 | 6,448 | 6,398 | 6,262 | 6,307 | 6,298 | 6,277 | 6,214 | |||||
Deposits | 11,740 | 11,513 | 11,241 | 11,369 | 11,278 | 7,767 | 7,820 | 7,524 | 7,576 | 7,589 | 7,536 | 7,438 | |||||
Advances From Federal Home Loan Banks | 715 | 827 | 903 | 833 | 784 | 613 | 688 | 742 | 756 | 878 | 934 | 888 | |||||
Subordinated Debt | 202 | 202 | 202 | 202 | 277 | 80 | 80 | 80 | 80 | 80 | 79 | 79 | |||||
Operating Lease Liability | 33 | 31 | 32 | 33 | 35 | 15 | 15 | 15 | 14 | 13 | 13 | 12 | |||||
Other Liabilities | 94 | 45 | 51 | 48 | 45 | 31 | 34 | 39 | 73 | 79 | 77 | 73 | |||||
Liabilities | 12,785 | 12,618 | 12,429 | 12,485 | 12,419 | 8,506 | 8,638 | 8,400 | 8,500 | 8,637 | 8,639 | 8,491 | |||||
Stockholders Equity | |||||||||||||||||
Preferred Stock Value | 111 | 111 | 111 | 111 | 111 | 111 | 111 | 111 | 111 | 111 | 111 | 111 | |||||
Common Stock Value | 858 | 858 | 858 | 858 | 858 | 587 | 587 | 587 | 587 | 587 | 587 | 587 | |||||
Additional Paid In Capital | 40 | 38 | 39 | 38 | 37 | 36 | 36 | 35 | 34 | 33 | 33 | 32 | |||||
Retained Earnings Accumulated Deficit | 732 | 701 | 674 | 645 | 615 | 643 | 631 | 619 | 611 | 600 | 591 | 580 | |||||
Treasury Stock Common Value | -79 | -79 | -76 | -76 | -76 | -76 | -76 | -76 | -76 | -76 | -70 | -68 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -35 | -38 | -32 | -37 | -47 | -48 | -48 | -37 | -42 | -38 | -35 | -53 | |||||
Stockholders Equity | 1,627 | 1,592 | 1,573 | 1,538 | 1,496 | 1,253 | 1,242 | 1,239 | 1,224 | 1,217 | 1,217 | 1,188 | |||||
Liabilities And Stockholders Equity | 14,412 | 14,210 | 14,003 | 14,024 | 13,916 | 9,759 | 9,880 | 9,640 | 9,724 | 9,854 | 9,856 | 9,679 | |||||
Preferred Stock Liquidation Preference | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Authorized | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
Preferred Stock No Par Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock No Par Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Shares Authorized | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | |||||
Common Stock Shares Issued | 54 | 54 | 54 | 54 | 54 | 42 | 42 | 42 | 42 | 42 | 42 | 42 | |||||
Shares Outstanding | 50 | 50 | 50 | 50 | 50 | 38 | 38 | 38 | 38 | 38 | 39 | 39 | |||||
Treasury Stock Common Shares | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | |||||
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 0.63% | 11.20% | 8.29% | - | - | - | - | - | - | - | - | - |
| 2025 | -3.00% | -6.41% | 6.95% | 12.48% | 11.91% | 5.80% | 5.16% | 11.73% | 16.27% | -3.32% | 6.89% | 8.54% |
| 2024 | 4.69% | -9.65% | 15.46% | 16.65% | 17.34% | 20.48% | 11.21% | -8.40% | -6.10% | -7.49% | -16.93% | -4.84% |
| 2023 | - | - | - | - | - | - | 3.74% | 26.03% | 24.03% | -6.39% | -11.54% | -0.20% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.50 | -0.67 | -0.70 | -0.73 | -0.81 | -0.59 | -0.08 | 0.40 | 0.89 | 1.39 | 1.47 | 1.68 | |||||
Per Share Metrics | |||||||||||||||||
| Free Cash Flow Per Share TTM | 2.35 | 1.85 | 1.87 | 1.57 | 0.65 | 1.21 | 1.35 | 1.23 | 2.22 | 2.19 | 2.03 | 3.36 | |||||
| Dividend Per Share TTM | 0.68 | 0.63 | 0.59 | 0.55 | 0.51 | 0.65 | 0.65 | 0.64 | 0.63 | 0.62 | 0.62 | 0.60 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 57.37% | 56.25% | 54.78% | 53.08% | 51.08% | 49.27% | 47.76% | 37.67% | 38.44% | 39.58% | 42.05% | 57.29% | |||||
| Operating Profit Margin TTM | 29.41% | 19.57% | 17.48% | 14.63% | 9.78% | 20.03% | 19.01% | 18.79% | 20.10% | 21.06% | 23.87% | 28.80% | |||||
| Net Profit Margin TTM | 20.49% | 13.06% | 11.54% | 10.19% | 7.08% | 14.97% | 14.25% | 12.56% | 13.55% | 14.24% | 16.52% | 21.50% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 42.01% | 37.31% | 24.52% | 13.06% | 3.29% | 1.89% | 5.68% | 9.55% | 14.63% | 22.55% | 31.12% | 39.16% | |||||
| Net Income Growth (1Y) | 310.74% | 19.73% | 0.83% | -8.23% | -45.99% | 7.10% | -8.86% | -36.00% | -35.62% | -39.60% | -35.34% | -17.02% | |||||
| EPS Growth (1Y) | 309.68% | -6.55% | -21.33% | -28.40% | -57.86% | 6.76% | -9.15% | -36.20% | -35.82% | -39.79% | -35.61% | -15.92% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 11.72 | 15.60 | 18.72 | 21.89 | 32.35 | 12.86 | 12.50 | 15.38 | 10.80 | 10.68 | 10.99 | 6.74 | |||||
| P/B TTM | 1.11 | 0.90 | 0.89 | 0.85 | 0.81 | 0.79 | 0.74 | 0.81 | 0.61 | 0.63 | 0.73 | 0.58 | |||||
| P/S TTM | 2.40 | 2.04 | 2.16 | 2.23 | 2.29 | 1.93 | 1.78 | 1.93 | 1.46 | 1.52 | 1.82 | 1.45 | |||||
| Market Cap | 1.81B | 1.43B | 1.39B | 1.31B | 1.21B | 988.02M | 922.71M | 1.00B | 749.41M | 766.03M | 890.14M | 686.04M | |||||
| Enterprise Value | 1.44B | 1.09B | 1.01B | 765.82M | 615.91M | 695.42M | 566.22M | 755.01M | 455.90M | 488.45M | 647.42M | 432.75M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 127.70M | 100.41M | 101.01M | 84.89M | 35.37M | 51.15M | 56.91M | 51.77M | 93.86M | 92.34M | 85.46M | 141.49M | |||||
| Net Debt | -362.28M | -344.47M | -380.90M | -542.73M | -596.53M | -292.60M | -356.49M | -247.25M | -293.51M | -277.58M | -242.71M | -253.30M | |||||
Per-Share and Margin | |||||||||||||||||
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| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
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| Average Receivables | |||||||||||||||||
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| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
| Altman D | |||||||||||||||||
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| NOPAT TTM | |||||||||||||||||
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| Effective Tax Rate TTM | |||||||||||||||||
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| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
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| EV EBITDA TTM | |||||||||||||||||
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| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
ConnectOne Bancorp, Inc. (CNOB) — SEC Financial Statements & Analysis
ConnectOne Bancorp, Inc. (CNOB) is a state commercial banks company, incorporated in NJ. ConnectOne Bancorp, Inc. trades on Nasdaq as: CNOB, CNOBP. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), ConnectOne Bancorp, Inc. reported a 42.01% year-over-year revenue growth, a Gross Profit Margin of 57.37% (TTM), a Price-to-Sales (P/S) ratio of 2.40x (TTM), a Price-to-Book (P/B) ratio of 1.11x (TTM), at a market cap of $1.81B. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 42.01%
- Gross Profit Margin TTM
- 57.37%
- P/S TTM
- 2.40x
- P/B TTM
- 1.11x
- Market Cap
- $1.81B
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is ConnectOne Bancorp, Inc. in?
ConnectOne Bancorp, Inc. (CNOB) operates in the State Commercial Banks industry.
What is CNOB's market cap?
ConnectOne Bancorp, Inc. (CNOB) has a market capitalization of $1.81B as of 2026-06-30.
What is CNOB's P/E ratio?
ConnectOne Bancorp, Inc. (CNOB)'s trailing twelve month P/E ratio is 11.72x as of 2026-06-30.
What exchange does CNOB trade on?
ConnectOne Bancorp, Inc. (CNOB) trades on the Nasdaq.
Where is ConnectOne Bancorp, Inc. incorporated?
ConnectOne Bancorp, Inc. is incorporated in NJ.