NASDAQ$CNOB

ConnectOne Bancorp Inc · Q2 2025 earnings

Q2 2025 earnings · · Before market open · Investor relations

Briefing

ConnectOne Bancorp Inc reported a net loss for Q2 2025 driven by merger expenses and elevated credit loss provisions following the FLIC acquisition.

The company posted a net loss of $20.3 million for the three months ended June 30, 2025, compared to net income of $19.1 million in the prior-year quarter. Net interest income rose to $78.9 million and total assets expanded to $13.9 billion due to the June 1, 2025 merger with The First of Long Island Corporation, which added $3.9 billion in assets but also generated $30.7 million in merger costs and a $35.7 million provision for credit losses.

  • Completed acquisition of FLIC on June 1, 2025, adding 36 branches and $3.9 billion in assets.
  • Reported net loss of $20.3 million versus net income of $19.1 million in Q2 2024.
  • Net interest income increased 28% year-over-year to $78.9 million with net interest margin expanding to 3.06%.
  • Noninterest expenses included $30.7 million in merger costs and provision for credit losses totaled $35.7 million.

Headline financials

Total Revenue

$84.1M

Previous: $65.8M+27.7%
EPS (adj)

-$0.52

Previous: $0.46-213.0%
Capital Expenditures

-$331K

Previous: -$263K-25.9%
Net Income

-$20.3M

Previous: $19.1M-206.5%
Operating Income

-$63.7M

Previous: -$16.3M-291.1%
Total Assets

$13.9B

Previous: $9.72B+43.1%

Revenue & EPS history

ConnectOne Bancorp · Revenue · Quarterly

$84.1M

Q2 2025+27.7%vs Q2 2024
Beat estimate in 10 of 16 quarters(63%)
ActualEstimate

Historical earnings impact

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

Avg. return before/after earnings

Based on 19 quarterly earnings reports

Historical avg

+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
Q2 2025
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%
Q2 2011-0.1%
Q2 2010-0.1%
Q4 2010-0.1%
Q1 2010+8.7%

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