NASDAQ$CNOB

ConnectOne Bancorp Inc · Q1 2020 earnings

Q1 2020 earnings · · Investor relations

Briefing

Reported net income due to economic uncertainties caused by the COVID-19 pandemic and the acquisition of Bancorp of New Jersey.

ConnectOne Bancorp reported a net income of $6.0 million for Q1 2020, a decrease compared to $20.8 million in Q4 2019 and $11.6 million in Q1 2019. The decrease was primarily due to an increase in provision for loan losses of $15.5 million related to COVID-19. The acquisition of Bancorp of New Jersey was completed on January 2, 2020, and the results reflect the operations of the combined entity.

  • Net income for Q1 2020 was $6.0 million, down from $20.8 million in the previous quarter and $11.6 million year-over-year.
  • Diluted earnings per share were $0.15 for Q1 2020, compared to $0.59 in Q4 2019 and $0.33 in Q1 2019.
  • The decrease in net income was primarily due to a $15.5 million increase in provision for loan losses due to COVID-19.
  • The acquisition of Bancorp of New Jersey was completed on January 2, 2020, and is reflected in the Q1 2020 results.

Headline financials

Total Revenue

$58.1M

Previous: $46.7M+24.5%
EPS (adj)

$0.15

Previous: $0.49-69.4%
Net Interest Margin (non-GAAP)

3.4%

No prior period
Capital Expenditures

-$1.73M

Previous: -$257K-572.4%
Free Cash Flow

$4.3M

Previous: $11.4M-62.2%
Net Income

$6.03M

Previous: $11.6M-48.2%
Operating Income

$7.39M

Previous: $11.6M-36.2%
Gross Profit

$42.1M

Previous: $42.2M-0.1%
Cash & Equivalents

$283M

Previous: $173M+63.9%
Total Assets

$7.28B

Previous: $6.05B+20.3%
Stock-Based Comp

$536K

Previous: $828K-35.3%

Revenue & EPS history

ConnectOne Bancorp · Revenue · Quarterly

$58.1M

Q1 2020+24.5%vs Q1 2019
Beat estimate in 9 of 16 quarters(56%)
ActualEstimate

Forward guidance

ConnectOne expects to fund a total of approximately $385 million in the initial PPP tranche. Additionally, there are over 1,000 new applications being processed for the second PPP tranche.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2020

Historical avgQ1 2020

+0.3%

Avg return

Earnings day

+1.1%

Avg return

5 days after

+3.3%

Avg return

30 days after

57%

37 / 65 earnings

Positive

+8.7%

Q1 2010

Best reaction

-12.5%

Q1 2020

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+2.7%+6.2%+6.2%
Q4 2025-0.9%-1.1%-4.7%
Q3 2025+0.2%+1.0%+5.9%
Q1 2025+2.0%+1.7%+2.0%
Q4 2024+5.2%+10.2%+7.1%
Q3 2024-4.9%-3.5%+9.4%
Q2 2024+7.2%+4.6%+8.9%
Q1 2024-7.2%-9.2%+2.5%
Q4 2023-1.8%+1.0%-14.7%
Q3 2023-3.1%+0.4%+18.1%
Q2 2023+1.7%+3.9%-6.0%
Q1 2023+0.4%-6.7%-11.3%
Q4 2022-9.3%-2.7%+0.2%
Q3 2022+0.2%-0.5%+6.2%
Q2 2022+5.2%+7.6%+4.0%
Q1 2022-2.0%-1.2%-4.0%
Q4 2021-3.0%-5.3%-3.9%
Q3 2021+6.6%+7.4%+4.8%
Q2 2021+2.0%+2.4%+14.2%
Q1 2021+0.7%+4.0%+2.7%
Q4 2020+7.4%+13.9%+17.4%
Q3 2020+2.9%+8.9%+22.9%
Q2 2020-1.7%-1.0%+9.3%
Q1 2020-12.5%-13.0%-10.2%
Q4 2019-1.7%-3.6%-7.3%
Q3 2019+6.6%+8.6%+9.9%
Q2 2019-1.6%-1.6%-13.4%
Q1 2019+3.8%+5.1%+5.0%
Q4 2018+0.1%-0.4%+8.7%
Q3 2018+3.3%+6.9%+3.8%
Q2 2018+1.0%+0.6%+3.2%
Q1 2018-6.5%-10.3%-8.4%
Q4 2017+2.1%+3.6%+4.3%
Q3 2017+7.8%+6.8%+5.2%
Q2 2017-0.9%+0.7%+0.0%
Q1 2017-9.0%-7.2%-10.2%
Q4 2016+0.2%-4.3%-0.8%
Q3 2016+2.5%+1.9%+34.3%
Q2 2016+7.1%+8.0%+8.2%
Q1 2016+1.9%
Q4 2015-1.1%
Q3 2015+1.7%
Q2 2015-1.6%
Q1 2015-1.1%
Q4 2014+0.8%
Q3 2014-0.1%
Q2 2014-4.5%
Q1 2014-1.7%
Q4 2013+8.0%
Q3 2013+1.2%
Q2 2013+1.3%
Q1 2013-1.9%
Q4 2012+0.4%
Q3 2012+1.1%
Q2 2012-0.8%
Q1 2011+1.5%
Q1 2012+1.0%
Q4 2009+1.9%
Q4 2011+1.9%
Q3 2010-5.5%
Q3 2011-5.5%
Q4 2010-0.1%
Q2 2011-0.1%
Q2 2010-0.1%
Q1 2010+8.7%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro