NASDAQ$CNOB

ConnectOne Bancorp Inc · Q3 2020 earnings

Q3 2020 earnings · · Investor relations

Briefing

Reported a solid operating performance driven by a strong franchise and continued execution on strategic priorities.

ConnectOne Bancorp reported a net income of $24.8 million and diluted earnings per share of $0.62 for the third quarter of 2020. The company's performance reflects a continued widening of the net interest margin and an efficiency ratio of 40%.

  • Net income was $24.8 million for the third quarter of 2020, compared to $14.8 million for the second quarter of 2020 and $21.7 million for the third quarter of 2019.
  • Diluted earnings per share were $0.62 in the third quarter of 2020, compared to $0.37 in the second quarter of 2020 and $0.61 in the third quarter of 2019.
  • Fully taxable equivalent net interest income for the third quarter of 2020 was $61.0 million, a decrease of $0.2 million, or 0.4%, from the second quarter of 2020.
  • The provision for loan losses was $5.0 million for the third quarter of 2020, $15.0 million for the second quarter of 2020 and $2.0 million for the third quarter of 2019.

Headline financials

Total Revenue

$64M

Previous: $50.5M+26.8%
EPS (adj)

$0.62

Previous: $0.60+3.3%
Net Interest Margin (non-GAAP)

3.5%

No prior period
Tangible Book Value per Share (non-GAAP)

$16.87

No prior period
Capital Expenditures

-$894K

Previous: -$1.34M+33.1%
Free Cash Flow

$23.9M

Previous: $20.4M+17.3%
Net Income

$24.8M

Previous: $21.7M+14.2%
Operating Income

$43.2M

Previous: $17.3M+150.6%
Gross Profit

$64M

Previous: $42.9M+49.2%
Cash & Equivalents

$256M

Previous: $194M+32.0%
Total Assets

$7.45B

Previous: $6.16B+20.9%
Stock-Based Comp

$798K

Previous: $673K+18.6%

Revenue & EPS history

ConnectOne Bancorp · Revenue · Quarterly

$64M

Q3 2020+26.8%vs Q3 2019
Beat estimate in 11 of 16 quarters(69%)
ActualEstimate

Forward guidance

While facing uncertainty, ConnectOne feels strongly about the strength and direction of the Company and is focused on long-term sustainable growth, operating in a disciplined manner, and further utilizing technology to remain one of the most efficient banks in the nation.

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 Q3 2020

Historical avgQ3 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%

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