NASDAQ$CNOB

ConnectOne Bancorp Inc · Q4 2025 earnings

Q4 2025 earnings · · Before market open · Investor relations

Briefing

ConnectOne Bancorp reported Q4 2025, net income of $38M, diluted EPS of $0.75.

For Q4 2025, ConnectOne Bancorp reported net income of $38M, diluted EPS was $0.75, adjusted diluted EPS was $0.83. The filing discusses segment trends, liquidity, and management's outlook for upcoming periods.

  • Net income $38M.
  • Diluted EPS $0.75.
  • Adjusted diluted EPS $0.83.

Headline financials

Total Revenue

$186M

Previous: $64.7M+188.0%
EPS (adj)

$0.83

Previous: $0.52+59.6%
Operating Return on Avg. Tangible Common Equity

14.3%

No prior period
Operating Return on Avg. Assets

1.2%

No prior period
Net Interest Margin (non-GAAP)

3.3%

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

$23.52

No prior period
Nonaccrual Loans as a % of Loans Receivable

0.4%

No prior period
Nonperforming Assets as a % of Total Assets

0.3%

No prior period
Annualized Net Loan Charge-offs Ratio

0.2%

No prior period
ACL as a % of Loans Receivable

1.4%

No prior period
ACL as a % of Nonaccrual Loans

336.1%

No prior period
Criticized and Classified Loans as a % of Loans Receivable

2.5%

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

0.3%

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

8.6%

No prior period
Risk-based Total Capital Ratio (Bancorp)

13.9%

No prior period
Operating Efficiency Ratio (non-GAAP)

45.3%

No prior period
Net Income

$38M

Previous: $19.9M+91.0%
Operating Income

$43.5M

Previous: $26.2M+66.1%

Revenue & EPS history

ConnectOne Bancorp · Revenue · Quarterly

$186M

Q4 2025+188%vs Q4 2024
Beat estimate in 10 of 15 quarters(67%)
ActualEstimate

Forward guidance

Management discusses ConnectOne Bancorp's outlook, including capital deployment, operating priorities, and key risks, alongside any formal guidance in the earnings materials.

Tailwinds

  • ConnectOne Bancorp cites execution on strategic priorities and demand in core markets.
  • Liquidity and balance sheet capacity support continued investment and returns.

Headwinds

  • Macro, rates, and input costs may pressure margins or volumes.
  • Segment mix and non-recurring items can affect sequential comparability.

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 Q4 2025

Historical avgQ4 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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