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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. 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%
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%) (below 0%: weak)
This Y EPS Growth 99.39% (at or above 15%: strong)
Next Y EPS Growth 11.94%
Next Y revenue growth (28.92%) (below 0%: weak)
Next 5Y EPS Growth 34.66% (at or above 15%: strong)

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.

Target Price Range

Analyst price targets

Recommendation Rating

1.4
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Source: company filings (standardised) and stockrow calculations.

ConnectOne Bancorp, Inc. (CNOB) Latest News

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stockrow.com/CNOB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com