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ConnectOne Bancorp, Inc.

CNOB Financial Banks Regional

ConnectOne Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $679.9 million, up 27.2% from fiscal 2024.

Revenue
−10.4%
EPS
−24.4%
Free cash flow
+163.0%
Total debt
+23.2%

Quarter to September 2026, against a year earlier

32.42 0.71 −2.14%
Market cap
$1.6B
P/E
11.3×
Fwd P/E
10.8×
Dividend yield
2.31%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.04
Sold, $m 0.23
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — 2 — — — — —
Sell — — — — — — — — — — 1 —
Insider Ownership 5.83%

Capital & Financial Ratios $m

Size
Market Cap 1,630.00
Revenue ttm 770.03
Net income ttm 150.41
Free cash flow ttm 182.94
Net debt Q 961.47
Valuation
P/E 11.30
Forward P/E 10.80
Price / sales 2.11
Forward P/S Powerpack
Price / FCF 8.90
Price / book 1.09
Financial health
Current ratio Q 1.05
Debt / equity Q 0.80
Interest coverage Q —
Growth
Revenue growth Q −10.37% (below 0%: shrinking)
Operating income growth Q −25.89% (below 0%: shrinking)
EPS, this year +81.60% (at or above 15%: strong)
EPS, next year A +26.62% (at or above 15%: strong)
Revenue, next year A −27.60% (below 0%: weak)
EPS, past 5 yrs −1.86% (below 0%: weak)
EPS, next 5 yrs A +36.11% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 48.04%
10-year low 10-year high
P/S against its own 10 years 37.66%
10-year low 10-year high
P/B against its own 10 years 62.19%
10-year low 10-year high

Dividends raised every year since 2018

Yield
2.31%
Annual rate
0.75
Payout ratio
26.2%
Growth, 2018–26
+12.4%/yr
  1. 0.30 ’18
  2. 0.35 ’19 +15
  3. 0.36 ’20 +4
  4. 0.44 ’21 +22
  5. 0.60 ’22 +35
  6. 0.67 ’23 +12
  7. 0.71 ’24 +7
  8. 0.72 ’25 +1
  9. 0.77 ’26 +6
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 243 356 381 313
Receivables — — — —
Inventory — — — —
Other — — — —
8,555 8,595 11,741 12,371
2023 2024 2025 Q'26
Payables 7,536 7,820 11,241 11,778
ST’ Debt — — — —
Other — — — —
8,470 7,820 11,241 11,778

Compound Annual Growth %

10y 5y 3y
Sales 16.15% 16.08% 20.67%
Cash Flow 8.69% 5.57% (15.57%)
Earnings 6.06% 0.91% (14.53%)
Book Value 12.67% 11.44% 10.10%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.85 Actual 0.95

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.74 0.83 Beat by 0.09
Q1 FY26 0.73 0.79 Beat by 0.06
Q2 FY26 0.83 0.84 Beat by 0.01
Q3 FY26 0.85 0.95 Beat by 0.10
Q4 FY26 0.89 — Reports 4 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.72 0.80 0.59 — —
’25 0.49 (0.52) 0.78 0.75 1.63
’24 0.41 0.46 0.41 0.49 1.76
’23 0.59 0.51 0.51 0.46 2.07
’22 0.75 0.78 0.70 0.79 3.01
’21 0.82 0.81 0.80 0.79 3.22
’20 0.15 0.37 0.62 0.64 1.79
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 191 201 186 — —
’25 129 151 207 192 680
’24 133 134 135 132 535
’23 119 125 127 133 504
’22 82 89 100 116 387
’21 76 78 81 83 317
’20 80 83 81 79 323
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 15 34 85 — —
’25 15 6 37 48 106
’24 21 22 (14) 32 61
’23 16 21 27 28 93
’22 46 25 24 82 177
’21 80 39 35 48 202
’20 46 29 24 (19) 81
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 14 34 89 — —
’25 15 6 34 46 101
’24 20 22 (16) 31 58
’23 14 21 26 25 85
’22 45 25 23 82 174
’21 80 39 33 47 200
’20 45 30 24 (19) 80
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 171 190 222 280 323 317 387 504 535 680 770 +16.6% 492 525 569 (5.8%)
Gross margin, % 81.83 80.87 73.41 69.53 78.24 87.76 81.49 53.39 49.39 57.11 58.77 (24.7) pt
EBT 43 69 71 94 90 175 171 117 98 113 206 +11.3%
EBT margin, % 25.04 36.15 32.10 33.64 28.02 55.15 44.25 23.20 18.42 16.58 26.78 (8.5) pt
Net income 31 43 60 73 71 130 125 87 74 80 150 +11.1%
Per share, $
Per share, $ Revenue 5.63 5.94 6.90 7.94 8.16 8.01 9.86 12.99 13.97 15.04 15.34 +11.5%
Earnings 1.02 1.35 1.87 2.08 1.80 3.24 3.03 2.08 1.77 1.64 2.87 +5.4%
Cash flow 1.64 4.11 2.77 1.72 2.05 5.10 4.50 2.39 1.59 2.35 3.64 +4.1%
Capex (0.07) (0.08) (0.01) (0.04) (0.03) (0.07) (0.07) (0.19) (0.07) (0.12) 0.00 +5.4%
Free cash flow 1.56 4.03 2.76 1.68 2.02 5.04 4.44 2.20 1.52 2.23 3.64 +4.1%
Book value 17.47 17.72 19.11 20.77 23.17 28.37 30.02 31.35 32.45 34.81 31.85 +8.0%
Shares, m 30 32 32 35 40 40 39 39 38 45 49 +4.5%
Valuation, ×
Valuation, × P/E 25.10 19.48 9.93 12.43 11.12 10.10 7.94 11.06 12.94 17.36 11.30 13.7
P/S 4.59 4.43 2.68 3.24 2.42 4.08 2.44 1.77 1.64 1.74 2.11 2.9
P/B 1.48 1.48 0.97 1.24 0.85 1.28 0.89 0.81 0.78 0.81 1.09 1.1
EV/Sales 6.52 3.93 2.48 4.77 3.43 5.20 4.36 1.45 2.41 2.81 — 3.7
EV/FCF 23.52 5.79 6.20 22.53 13.85 8.28 9.69 8.54 22.14 18.90 — 13.9
Cash, $m
Cash, $m Operating cash flow 50 131 89 61 81 202 177 93 61 106 183 +8.8%
Capex (2) (3) 0 (2) (1) (3) (3) (7) (3) (5) 0 +10.2%
Free cash flow 47 128 89 59 80 200 174 85 58 101 183 +8.8%
Balance, $m
Balance, $m Working capital 377 (159) 5 563 542 717 981 85 775 500 592 +3.2%
Net debt 330 (95) (44) 428 325 356 743 (163) 412 724 961 +9.1%
Shareholders’ equity 531 565 614 731 915 1,124 1,179 1,217 1,242 1,573 1,599 +12.8%
Returns, %
Returns, % ROA 0.74 0.90 1.14 1.26 1.03 1.64 1.34 0.83 0.68 0.62 1.00 (0.1) pt
ROIC 3.11 9.10 7.80 5.07 4.56 7.39 5.57 6.94 3.72 3.07 5.03 0.0 pt
ROE 6.23 7.86 10.21 10.87 8.62 13.31 11.43 7.43 6.04 5.73 9.88 (0.5) pt
People
People Employees — — — — 413 438 515 499 493 756 — +12.9%
Revenue/emp, $m 0.00 0.00 0.00 0.00 0.78 0.72 0.75 1.01 1.08 0.90 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

ConnectOne Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
TCBK TriCo Bancshares $1.7B 12.5× 11.9× +4.33% (above 0%: growing) +27.38% (above 0%: growing) −17.30% (below 0%: shrinking) 80.35% 0.00% Compare
HOPE Hope Bancorp, Inc. $1.7B 13.1× 13.1× +2.73% (above 0%: growing) +218.18% (above 0%: growing) +727.66% (above 0%: growing) 58.92% 0.00% Compare
QCRH QCR Holdings, Inc. $1.7B 11.9× 11.6× +5.68% (above 0%: growing) +28.65% (above 0%: growing) +1,791.78% (above 0%: growing) 64.70% 0.00% Compare
NBHC National Bank Holdings Corporation $1.6B 29.6× 20.5× +18.27% (above 0%: growing) n/m +33.48% (above 0%: growing) 69.90% 0.00% Compare
CNOB ConnectOne Bancorp, Inc. $1.6B 11.3× 10.8× −10.37% (below 0%: shrinking) −24.36% (below 0%: shrinking) +162.97% (above 0%: growing) 55.38% 0.00%
BFC Bank First National Corporation $1.6B 19.3× 17.0× +44.08% (above 0%: growing) +29.24% (above 0%: growing) +152.03% (above 0%: growing) 75.87% 0.00% Compare
CASH Pathward Financial, Inc. $1.6B 9.4× 9.2× −2.04% (below 0%: shrinking) +9.41% (above 0%: growing) +20.54% (above 0%: growing) 99.33% 0.00% Compare
AVAL Grupo Aval Acciones y Valores S.A. $1.6B 10.5× — +74.54% (above 0%: growing) +30.00% (above 0%: growing) +884.01% (above 0%: growing) 46.31% 0.00% Compare
LOB Live Oak Bancshares, Inc. $1.6B 11.7× 12.7× +16.97% (above 0%: growing) +1.25% (above 0%: growing) +92.37% (above 0%: growing) 58.14% 0.00% Compare
Median of peers $1.6B 12.2× 12.7× +11.32% +28.65% +122.20% 67.30% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 9 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 4.40m 4.76m 90.30
2024 3.80m 3.91m 128.60
2023 3.51m 3.19m 97.90
2022 4.01m 2.70m 99.80
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

ConnectOne Bancorp, Inc. (CNOB) Latest News

30 Oct

Impact 3 · · The Motley Fool

24 Oct

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

23 Oct

Impact 4 · · Simply Wall St.

22 Oct

Impact 4 · · Moby transcript
Impact 4 · · The Motley Fool transcript
Impact 4 · · MarketBeat
Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press

21 Sep

Impact 3 · · Zacks

14 Sep

Impact 3 ·

31 Aug

Impact 4 · · Zacks

3 Aug

Impact 3 ·

23 Jul

Impact 4 · transcript
Impact 3 · · MarketBeat transcript
Impact 3 ·
Impact 3 ·

9 May

Impact 4 · · Simply Wall St.

24 Apr

Impact 4 · · GuruFocus.com

23 Apr

Impact 4 · · MarketBeat
Impact 4 · · GlobeNewswire
Impact 3 · · Moby
Impact 3 · · Zacks
Impact 3 ·

18 Apr

Impact 4 · · Simply Wall St.

13 Apr

Impact 3 · · Zacks

3 Feb

Impact 3 ·

31 Jan

Impact 4 · · Simply Wall St.

29 Jan

Impact 4 · · GuruFocus.com transcript
stockrow.com/CNOB · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com