ConnectOne Bancorp, Inc.
CNOB Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$32.69
KIRA · Stoqly’s AI analyst, in plain words
- ConnectOne Bancorp, Inc. had $388M of revenue in fiscal 2025, up 47.1% on the year before. Over five years, revenue changed +9.0% a year on average.
- ConnectOne Bancorp, Inc. made $80.4M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 5.5% a year.
- ConnectOne Bancorp, Inc. returned $32.0M to shareholders in fiscal 2025, 32% of free cash flow. The diluted share count rose 18.0%.
- It earned 5.7% on shareholders’ money. Running costs took 58.9% of revenue (the efficiency ratio; lower is better).
Market cap
$1.6B
P/E
10.7x
Revenue
$388M
Net income
$80.4M
Return on equity
5.7%
Efficiency ratio
58.9%
ConnectOne Bancorp, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+47.1%
Yes. Sales grew 47.1% last year.
Does it make a profit?
20.7%
Yes. It keeps 20.7% of every sale as profit.
How lean are its costs?
58.9%
Average. Running costs take 58.9% of revenue.
How much does it earn on its capital?
5.7%
Low. It earns 5.7% a year on shareholders’ money.
How is the share priced?
10.7x
One share costs 10.7 times its yearly profit per share.
What ConnectOne Bancorp, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 24, 2026
- Legal name
- ConnectOne Bancorp, Inc.
- CIK
- 0000712771
ConnectOne Bancorp, Inc. · CNOB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $279M | $315M | $269M | $264M | $388M |
| Revenue growth | 10.4% | 13.2% | −14.7% | −1.9% | 47.1% |
| Net interest income | $263M | $302M | $255M | $247M | $353M |
| Net income | $130M | $125M | $87.0M | $73.8M | $80.4M |
| Net margin | 46.8% | 39.7% | 32.3% | 27.9% | 20.7% |
| Diluted EPS | $3.22 | $3.01 | $2.07 | $1.76 | $1.63 |
| Cash | |||||
| Cash from operations | $202M | $177M | $92.9M | $60.7M | $106M |
| Capital expenditure | $2.8M | $3.3M | $7.4M | $3.8M | $5.4M |
| Free cash flow | $199M | $173M | $85.5M | $56.9M | $101M |
| FCF margin | 71.6% | 55.0% | 31.8% | 21.6% | 26.0% |
| Dividends paid | $17.5M | $23.4M | $25.9M | $27.3M | $32.0M |
| Share buybacks | $9.4M | $13.1M | $17.5M | $5.8M | $0.0M |
| Share count change | 0.6% | −1.0% | −1.3% | −1.2% | 18.0% |
| Debt and strength | |||||
| Cash and short-term investments | $266M | $268M | $243M | $356M | $381M |
| Debt incl. finance leases | $4.7B | — | — | — | — |
| Loans, net | $6.7B | — | — | $8.2B | $11.3B |
| Deposits | $6.3B | $7.4B | $7.5B | $7.8B | $11.2B |
| Shareholders' equity | $1.1B | $1.2B | $1.2B | $1.2B | $1.6B |
| Returns and quality | |||||
| Return on equity | 12.8% | 10.9% | 7.3% | 6.0% | 5.7% |
| Return on tangible equity | 14.0% | 12.3% | 8.0% | 6.6% | 5.5% |
| Efficiency ratio | 39.1% | 40.1% | 53.5% | 57.5% | 58.9% |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
ConnectOne Bancorp, Inc. · CNOB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $32.69 a share, the company is worth $1.6B: 10.7 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000712771). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.