NASDAQ$CNOB

ConnectOne Bancorp Inc · Q2 2024 earnings

Q2 2024 earnings · · Investor relations

Briefing

Reported solid second quarter performance driven by commitment to relationship-banking business model.

ConnectOne Bancorp reported a solid second quarter with net income available to common stockholders of $17.5 million and diluted earnings per share of $0.46. The company saw sequential increases in pre-tax and pre-provision net revenue, net interest margin, and client deposit balances.

  • Net income available to common stockholders was $17.5 million, compared to $15.7 million in Q1 2024 and $19.9 million in Q2 2023.
  • Diluted earnings per share were $0.46, up from $0.41 in Q1 2024 but down from $0.51 in Q2 2023.
  • Client deposit balances increased approximately 7% on an annualized basis.
  • The company declared a cash dividend on common stock of $0.18 per share, payable on September 3, 2024.

Headline financials

Total Revenue

$65.8M

Previous: $67.3M-2.1%
EPS (adj)

$0.46

Previous: $0.51-9.8%
Capital Expenditures

-$263K

Previous: -$3.48M+92.4%
Free Cash Flow

$18.8M

Previous: $17.9M+4.9%
Net Income

$19.1M

Previous: $21.4M-10.9%
Operating Income

-$16.3M

Previous: $2.26M-822.1%
Gross Profit

$63.3M

Previous: $64.3M-1.5%
Cash & Equivalents

$294M

Previous: $320M-8.3%
Total Assets

$9.72B

Previous: $9.72B-0.0%
Stock-Based Comp

$1.09M

Previous: $1.22M-10.9%

Revenue & EPS history

ConnectOne Bancorp · Revenue · Quarterly

$65.8M

Q2 2024-2.1%vs Q2 2023
Beat estimate in 10 of 15 quarters(67%)
ActualEstimate

Forward guidance

ConnectOne is focused on investing in its franchise, strengthening its balance sheet, enhancing core funding, and improving loan mix. The company believes it is poised for sustained growth and long-term profitability.

Tailwinds

  • Banking industry fundamentals may have turned the corner.
  • ConnectOne is focused on investing in its valuable franchise.
  • The company is strengthening its solid balance sheet.
  • ConnectOne is enhancing its core funding.
  • The company is improving its loan mix.

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 Q2 2024

Historical avgQ2 2024

+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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