NASDAQ$CNOB

ConnectOne Bancorp Inc · Q1 2025 earnings

Q1 2025 earnings · · Before market open · Investor relations

Briefing

ConnectOne Bancorp reported Q1 2025 revenue of $95.0M, net income of $20.2M, diluted EPS of $0.78.

For Q1 2025, ConnectOne Bancorp reported Revenue was $95.0M, net income was $20.2M, diluted EPS was $0.78. Management discusses segment trends, liquidity, and outlook in the quarterly filing.

  • Revenue $95.0M for Q1 2025.
  • Net income $20.2M.
  • Diluted EPS $0.78.

Headline financials

Total Revenue

$70.2M

Previous: $64.1M+9.4%
EPS (adj)

$0.78

Previous: $0.41+90.2%
Operating Return on Avg. Tangible Common Equity

8.3%

Previous: 7.2%+15.4%
Operating Return on Avg. Assets

0.8%

Previous: 0.7%+20.0%
Net Interest Margin (non-GAAP)

2.9%

Previous: 2.6%+11.0%
Tangible Book Value per Share (non-GAAP)

$24.16

Previous: $23.26+3.9%
Nonaccrual Loans as a % of Loans Receivable

0.6%

Previous: 0.6%+7.0%
Nonperforming Assets as a % of Total Assets

0.5%

Previous: 0.5%+6.3%
Annualized Net Loan Charge-offs Ratio

0.2%

Previous: 0.1%+13.3%
ACL as a % of Loans Receivable

1.0%

Previous: 1.0%+0.0%
ACL as a % of Nonaccrual Loans

165.3%

Previous: 174.7%-5.4%
Criticized and Classified Loans as a % of Loans Receivable

2.8%

No prior period
Loans Delinquent 30 to 89 Days as a % of Loans Receivable

0.2%

No prior period
Tangible Common Equity Ratio (non-GAAP)

9.7%

Previous: 9.3%+5.2%
Capital Expenditures

-$263K

Previous: -$138K-90.6%
Net Income

$20.2M

Previous: $17.2M+17.7%
Operating Income

$21.2M

Previous: -$11.7M+281.2%

Revenue & EPS history

ConnectOne Bancorp · Revenue · Quarterly

$70.2M

Q1 2025+9.4%vs Q1 2024
Beat estimate in 10 of 15 quarters(67%)
ActualEstimate

Forward guidance

Regional banks emphasize net interest income, credit quality, and capital returns.

Tailwinds

  • Loan growth and fee income when credit remains stable.
  • Deposit mix and capital support dividends and buybacks.

Headwinds

  • Net interest margin compression if rates fall.
  • Commercial real estate and consumer credit are watch items.

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 2025

Historical avgQ1 2025

+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%

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