Saturday 17 October 2026 Export CNOB’s income statement to Excel — free account

ConnectOne Bancorp, Inc.

ConnectOne Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $679.9 million, up 27.2% from fiscal 2024. In the quarter to June 2026, revenue grew 32.8%, EPS grew 253.9%, free cash flow grew 427.0% and total debt rose 231.9%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three; insiders bought in the last twelve months.

30.44 0.01 +0.03%

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Market cap: $1.5B
P/E: 9.9×
Fwd P/E: 9.4×
Dividend yield: 2.46%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.04

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	2	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 5.75%

Capital & Financial Ratios $m

Market Cap 1,530.00

Revenue 791.51

Net Income 159.98

Free Cash Flow 127.70

Net Debt 555.38

Current Ratio 1.04

Debt/Equity 0.56

P/E ratio 9.95

Fwd P/E 9.40

P/S ratio 1.93

P/B ratio 1.01

Past 5Y EPS Growth (1.86%)

This Y EPS Growth 99.39%

Next Y EPS Growth 11.94%

Next Y revenue growth (28.92%)

Next 5Y EPS Growth 34.66%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 28.53%

10-year low 10-year high

P/S against its own 10 years 29.19%

10-year low 10-year high

P/B against its own 10 years 48.10%

10-year low 10-year high

Dividends

Payout Ratio 0.25

Annual Dividend Rate 0.75

Annual Dividend Yield 2.46%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.78	0.18 0.20 0.20
2025	0.72	0.18 0.18 0.18 0.18
2024	0.71	0.17 0.18 0.18 0.18
2023	0.67	0.16 0.17 0.17 0.17
2022	0.60	0.13 0.16 0.16 0.16
2021	0.44	0.09 0.11 0.11 0.13
2020	0.36	0.09 0.09 0.09 0.09
2019	0.35	0.08 0.09 0.09 0.09
2018	0.30	0.08 0.08 0.08 0.08
2017	0.30	0.08 0.08 0.08 0.08
2016	0.30	0.08 0.08 0.08 0.08

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	243	356	381	362
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	8,555	8,595	11,741	12,153

	2023	2024	2025	Q'26
Payables	7,536	7,820	11,241	11,740
ST’ Debt	—	—	—	—
Other	—	—	—	—
	8,470	7,820	11,241	11,740

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	191	201	—	—	—
’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	—	—	—
’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	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.72	0.80	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	14.86	21.04	17.07	18.34	8.86	19.25	22.55	13.11	17.07	20.61	Analyst estimates 2026–2028 Powerpack
	High	26.65	28.20	31.40	26.50	26.38	35.50	37.00	26.12	29.31	28.47
People
People	Employees	—	—	—	—	413	438	515	499	493	756
	Revenue/emp, $m	0.00	0.00	0.00	0.00	0.78	0.72	0.75	1.01	1.08	0.90
Income, $m
Income, $m	Revenue	171	190	222	280	323	317	387	504	535	680
	Gross margin, %	81.83	80.87	73.41	69.53	78.24	87.76	81.49	53.39	49.39	57.11
	EBT	43	69	71	94	90	175	171	117	98	113
	EBT margin, %	25.04	36.15	32.10	33.64	28.02	55.15	44.25	23.20	18.42	16.58
	Net income	31	43	60	73	71	130	125	87	74	80
	Depreciation	1	4	6	3	1	4	4	6	6	(9)
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
	Earnings	1.02	1.35	1.87	2.08	1.80	3.24	3.03	2.08	1.77	1.64
	Cash flow	1.64	4.11	2.77	1.72	2.05	5.10	4.50	2.39	1.59	2.35
	Capex	(0.07)	(0.08)	(0.01)	(0.04)	(0.03)	(0.07)	(0.07)	(0.19)	(0.07)	(0.12)
	Free cash flow	1.56	4.03	2.76	1.68	2.02	5.04	4.44	2.20	1.52	2.23
	Book value	17.47	17.72	19.11	20.77	23.17	28.37	30.02	31.35	32.45	34.81
	Shares, m	30	32	32	35	40	40	39	39	38	45
Valuation, ×
Valuation, ×	P/E	25.10	19.48	9.93	12.43	11.12	10.10	7.94	11.06	12.94	17.36
	P/S	4.59	4.43	2.68	3.24	2.42	4.08	2.44	1.77	1.64	1.74
	P/B	1.48	1.48	0.97	1.24	0.85	1.28	0.89	0.81	0.78	0.81
	EV/Sales	6.52	3.93	2.48	4.77	3.43	5.20	4.36	1.45	2.41	2.81
	EV/FCF	23.52	5.79	6.20	22.53	13.85	8.28	9.69	8.54	22.14	18.90
Cash, $m
Cash, $m	Operating cash flow	50	131	89	61	81	202	177	93	61	106
	Capex	(2)	(3)	0	(2)	(1)	(3)	(3)	(7)	(3)	(5)
	Free cash flow	47	128	89	59	80	200	174	85	58	101
Balance, $m
Balance, $m	Working capital	377	(159)	5	563	542	717	981	85	775	500
	Total debt	531	55	129	629	629	621	1,011	79	768	1,105
	Net debt	330	(95)	(44)	428	325	356	743	(163)	412	724
	Shareholders’ equity	531	565	614	731	915	1,124	1,179	1,217	1,242	1,573
Returns, %
Returns, %	ROA	0.74	0.90	1.14	1.26	1.03	1.64	1.34	0.83	0.68	0.62
	ROIC	3.11	9.10	7.80	5.07	4.56	7.39	5.57	6.94	3.72	3.07
	ROE	6.23	7.86	10.21	10.87	8.62	13.31	11.43	7.43	6.04	5.73

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
QCRH QCR Holdings, Inc.	$1.6B	11.6×	11.5×	+5.68% (above 0%: growing)	+28.65% (above 0%: growing)	+1,791.78% (above 0%: growing)	64.70%	0.00%	Compare
RBCAA Republic Bancorp, Inc.	$1.6B	14.1×	12.4×	+1.88% (above 0%: growing)	+4.32% (above 0%: growing)	−102.32% (below 0%: shrinking)	82.94%	0.00%	Compare
OBK Origin Bancorp, Inc.	$1.6B	16.0×	12.2×	+11.11% (above 0%: growing)	+134.04% (above 0%: growing)	+57.26% (above 0%: growing)	71.20%	0.00%	Compare
OCFC OceanFirst Financial Corp.	$1.6B	18.6×	18.0×	+32.21% (above 0%: growing)	n/m	+27.08% (above 0%: growing)	59.64%	0.00%	Compare
CNOB ConnectOne Bancorp, Inc.	$1.5B	9.9×	9.4×	+32.81% (above 0%: growing)	n/m	+427.03% (above 0%: growing)	60.53%	0.00%
CASH Pathward Financial, Inc.	$1.5B	9.1×	9.2×	−3.18% (below 0%: shrinking)	−24.73% (below 0%: shrinking)	+20.54% (above 0%: growing)	99.41%	0.00%	Compare
TFIN Triumph Financial, Inc.	$1.5B	41.6×	40.6×	+13.51% (above 0%: growing)	+193.33% (above 0%: growing)	+372.54% (above 0%: growing)	82.38%	0.00%	Compare
ESQ Esquire Financial Holdings, Inc.	$1.4B	18.4×	28.7×	+18.87% (above 0%: growing)	+6.08% (above 0%: growing)	+59.96% (above 0%: growing)	88.35%	0.00%	Compare
LKFN Lakeland Financial Corporation	$1.4B	13.3×	13.8×	+1.75% (above 0%: growing)	+8.57% (above 0%: growing)	+36.16% (above 0%: growing)	65.79%	0.00%	Compare
Median of peers	$1.5B	15.0×	13.1×	+8.40%	+8.57%	+46.71%	76.79%	0.00%

All 323 Banks Regional stocks →

ConnectOne Bancorp, Inc. (CNOB) key facts

Strength: ConnectOne Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $679.9 million, up 27.2% from fiscal 2024.
ConnectOne Bancorp, Inc. (CNOB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, CNOB traded at $30.44, a market capitalization of $1.5 billion.
ConnectOne Bancorp, Inc. pays an annual dividend of $0.75 per share, a yield of 2.46%, with a payout ratio of 24.6%.
Return on equity was 5.73% and debt-to-equity 0.56.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.