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    ConnectOne Bancorp (CNOB)

    Market Price (8/8/2026): $32.73 | Market Cap: $1.6 BilSector: Financials | Industry: Regional Banks

    ConnectOne Bancorp (CNOB)

    Market Price (8/8/2026): $32.73
    Market Cap: $1.6 Bil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 2.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.4%, FCF Yield is 7.8%

    Strong revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 60%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 29%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 28%

    Low stock price volatility
    Vol 12M is 28%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending.

    Trading close to highs
    Dist 52W High is -3.8%, Dist 3Y High is -3.8%

    Key risks
    CNOB key risks include [1] a significant concentration in New York and New Jersey commercial real estate loans and [2] integration challenges and heightened regulatory scrutiny resulting from its merger with FLIC.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 2.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.4%, FCF Yield is 7.8%
    1 Strong revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 60%
    2 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 29%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 28%
    3 Low stock price volatility
    Vol 12M is 28%
    4 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending.
    5 Trading close to highs
    Dist 52W High is -3.8%, Dist 3Y High is -3.8%
    6 Key risks
    CNOB key risks include [1] a significant concentration in New York and New Jersey commercial real estate loans and [2] integration challenges and heightened regulatory scrutiny resulting from its merger with FLIC.

    CNOB in ETFs

    Weight = CNOB's share of each fund

    ITOT0.00%
    IWM0.05%
    KRE0.31%
    AVUV0.12%
    IWN0.08%
    VTWO0.05%
    DFAS0.04%
    SCHA0.04%
    +5 more covered ETFs

    Valuation & Metrics

    FYE: 12/31CNOB [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$461.1 Mil—
    FY 2026 Sales$491.4 Mil—
    FY 2027 Sales$531.0 Mil—
    FY 2026 Sales Growth6.6%—
    FY 2027 Sales Growth8.1%13.0%
    EARNINGS
    LTM Net Income (GAAP) [3]$160.0 Mil—
    FY 2026 Net Income (Non-GAAP)$164.6 Mil—
    FY 2027 Net Income (Non-GAAP)$184.5 Mil—
    FY 2027 Net Income Growth12.1%19.0%
    FY 2026 EPS (Non-GAAP)$3.25—
    FY 2027 EPS (Non-GAAP)$3.67—
    FY 2027 EPS Growth12.7%—
    VALUATION
    FY 2026 P/S3.31.7
    FY 2027 P/S3.1—
    FY 2026 P/E10.08.1
    FY 2027 P/E8.9—

    [1] CNOB forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 8/31/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    CNOBS&P 500
    REVENUE GROWTHVERY GOOD
    Rev LTM ($ Bil)0.5
    Rev Chg Q44.6%9.4%
    Rev Chg LTM59.9%7.9%
    Rev Chg 3Y Avg19.1%5.8%
    PROFITABILITYVERY GOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.1
    Net Inc LTM ($ Bil)0.2
    CFO/Rev LTM29.2%21.8%
    Net Inc Mgn34.7%13.1%
    VALUATIONLOW
    P/S3.63.3
    P/CFO12.215.8
    P/FCF12.920.3
    P/E10.323.9

    AI Analysis | Feedback

    MetricValueDateSource
    Nonperforming assets as a percentage of total assets0.28%9302025Link
    Annualized net charge-offsbelow 0.20%9302025Link
    Total risk-based capital ratio13.88%9302025Link
    Tangible common equity ratio8.36%9302025Link
    Client deposits annualized growth rate since June 30, 20254.0%10302025Link
    Loans annualized growth rate since June 30, 2025over 5.0%10302025Link
    Criticized and classified loans as a percentage of total loans1.50%6302024Link
    Loans delinquent 30 to 89 days as a percentage of loans0.04%12312024Link

    Price Chart

    Recent
    7/23/2026Earnings ReleaseRev: $122 Mil (A) vs. $121 Mil (E)
    EPS: 0.84 (A) vs. $0.82 (E)
    Upcoming
    8/14/2026DividendAmount: $0.20
    Payment On: 9/01/2026

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 8/1/2026

    ConnectOne Bancorp (CNOB) stock has gained about 15% since 4/30/2026 because of the following key factors:

    1. Strong Fiscal Q2 2026 Earnings Beat and Robust Financial Performance.

    ConnectOne Bancorp reported strong fiscal Q2 2026 operating diluted earnings per share (EPS) of $0.84, exceeding analysts' consensus estimates of $0.82 by $0.02. Quarterly revenue also surpassed expectations, coming in at $122.77 million against a consensus estimate of $121.55 million. Net income available to common stockholders rose to $40.2 million for the second quarter of 2026, a sequential increase from $36.3 million in fiscal Q1 2026. The operating return on average assets improved to 1.23% for fiscal Q2 2026, up from 1.19% in the prior quarter.

    2. Continued Net Interest Margin (NIM) Expansion.

    The company achieved its seventh consecutive quarter of net interest margin expansion, with NIM widening to 3.42% in fiscal Q2 2026. This expansion was primarily driven by the successful repricing of adjustable-rate loans, with approximately $700 million in loan balances repricing year-to-date in 2026. For retained loans, the weighted average rate increased by 255 basis points. Management anticipates this favorable trend in NIM to continue through 2026 and into 2027, signaling sustained profitability.

    Show more
    Updated on 8/1/2026

    ConnectOne Bancorp (CNOB) stock has gained about 15% since 4/30/2026 because of the following key factors:

    1. Strong Fiscal Q2 2026 Earnings Beat and Robust Financial Performance.

    ConnectOne Bancorp reported strong fiscal Q2 2026 operating diluted earnings per share (EPS) of $0.84, exceeding analysts' consensus estimates of $0.82 by $0.02. Quarterly revenue also surpassed expectations, coming in at $122.77 million against a consensus estimate of $121.55 million. Net income available to common stockholders rose to $40.2 million for the second quarter of 2026, a sequential increase from $36.3 million in fiscal Q1 2026. The operating return on average assets improved to 1.23% for fiscal Q2 2026, up from 1.19% in the prior quarter.

    2. Continued Net Interest Margin (NIM) Expansion.

    The company achieved its seventh consecutive quarter of net interest margin expansion, with NIM widening to 3.42% in fiscal Q2 2026. This expansion was primarily driven by the successful repricing of adjustable-rate loans, with approximately $700 million in loan balances repricing year-to-date in 2026. For retained loans, the weighted average rate increased by 255 basis points. Management anticipates this favorable trend in NIM to continue through 2026 and into 2027, signaling sustained profitability.

    3. Solid Core Loan and Deposit Growth Coupled with Enhanced Capital Strength.

    ConnectOne Bancorp demonstrated solid core growth in fiscal Q2 2026, with loans expanding at an annualized rate of approximately 5%. Client deposits also increased, growing 8% on an annualized basis, including a 20% annualized rise in non-interest-bearing demand deposits. Concurrently, the company strengthened its capital position, with tangible book value per share increasing 3.1% sequentially to $24.66 and its tangible common equity ratio advancing to 8.78%.

    4. Positive Analyst Sentiment and Increased Dividend.

    Positive analyst sentiment contributed to the stock's upward trend, notably a price target increase by Piper Sandler from $34 to $38, maintaining an Overweight rating on June 26, 2026. Additionally, ConnectOne Bancorp increased its quarterly dividend to $0.195 per share from $0.18. This represents a $0.78 annualized dividend and a dividend yield of 2.4%, a factor often attractive to investors.

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    Stock Movement Drivers

    Fundamental Drivers

    The 13.1% change in CNOB stock from 4/30/2026 to 8/7/2026 was primarily driven by a 63.1% change in the company's Net Income Margin (%).
    (LTM values as of)43020268072026Change
    Stock Price ($)29.0332.8213.1%
    Change Contribution By: 
    Total Revenues ($ Mil)37846121.9%
    Net Income Margin (%)21.3%34.7%63.1%
    P/E Multiple18.110.3-43.2%
    Shares Outstanding (Mil)50500.0%
    Cumulative Contribution13.1%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    4/30/2026 to 8/7/2026
    ReturnCorrelation
    CNOB13.1% 
    Market (SPY)7.6%31.8%
    Sector (XLF)10.5%49.8%

    Fundamental Drivers

    The 24.9% change in CNOB stock from 1/31/2026 to 8/7/2026 was primarily driven by a 89.1% change in the company's Net Income Margin (%).
    (LTM values as of)13120268072026Change
    Stock Price ($)26.2732.8224.9%
    Change Contribution By: 
    Total Revenues ($ Mil)33446138.0%
    Net Income Margin (%)18.3%34.7%89.1%
    P/E Multiple21.510.3-52.1%
    Shares Outstanding (Mil)5050-0.1%
    Cumulative Contribution24.9%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    1/31/2026 to 8/7/2026
    ReturnCorrelation
    CNOB24.9% 
    Market (SPY)12.1%39.6%
    Sector (XLF)8.3%58.8%

    Fundamental Drivers

    The 46.6% change in CNOB stock from 7/31/2025 to 8/7/2026 was primarily driven by a 70.7% change in the company's Total Revenues ($ Mil).
    (LTM values as of)73120258072026Change
    Stock Price ($)22.3932.8246.6%
    Change Contribution By: 
    Total Revenues ($ Mil)27046170.7%
    Net Income Margin (%)28.4%34.7%22.0%
    P/E Multiple11.210.3-7.7%
    Shares Outstanding (Mil)3850-23.8%
    Cumulative Contribution46.6%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2025 to 8/7/2026
    ReturnCorrelation
    CNOB46.6% 
    Market (SPY)23.4%40.1%
    Sector (XLF)11.3%57.4%

    Fundamental Drivers

    The 75.9% change in CNOB stock from 7/31/2023 to 8/7/2026 was primarily driven by a 67.6% change in the company's P/E Multiple.
    (LTM values as of)73120238072026Change
    Stock Price ($)18.6632.8275.9%
    Change Contribution By: 
    Total Revenues ($ Mil)31246147.9%
    Net Income Margin (%)38.1%34.7%-8.9%
    P/E Multiple6.110.367.6%
    Shares Outstanding (Mil)3950-22.1%
    Cumulative Contribution75.9%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2023 to 8/7/2026
    ReturnCorrelation
    CNOB75.9% 
    Market (SPY)74.9%45.6%
    Sector (XLF)70.4%62.3%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    CNOB Return68%-24%-2%3%18%28%95%
    Peers Return36%-5%-8%7%8%36%86%
    S&P 500 Return27%-19%24%23%16%13%105%

    Monthly Win Rates [3]
    CNOB Win Rate83%33%42%50%58%88% 
    Peers Win Rate68%47%47%47%52%72% 
    S&P 500 Win Rate75%42%67%75%67%50% 

    Max Drawdowns [4]
    CNOB Max Drawdown-14%-38%-47%-27%-23%-11% 
    Peers Max Drawdown-19%-28%-44%-26%-24%-12% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: PFS, OCFC, VLY, WSFS, PGC.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 8/7/2026 (YTD)

    How Low Can It Go

    EventCNOBS&P 500
    2025 US Tariff Shock
      % Loss-20.8%-18.8%
      % Gain to Breakeven26.3%23.1%
      Time to Breakeven160 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-15.4%-9.5%
      % Gain to Breakeven18.2%10.5%
      Time to Breakeven7 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-43.0%-6.7%
      % Gain to Breakeven75.3%7.1%
      Time to Breakeven212 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-30.3%-24.5%
      % Gain to Breakeven43.5%32.4%
      Time to Breakeven1291 days427 days
    2020 COVID-19 Crash
      % Loss-59.2%-33.7%
      % Gain to Breakeven144.9%50.9%
      Time to Breakeven323 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-26.3%-19.2%
      % Gain to Breakeven35.7%23.8%
      Time to Breakeven304 days105 days

    Compare to PFS, OCFC, VLY, WSFS, PGC

    In The Past

    ConnectOne Bancorp's stock fell -20.8% during the 2025 US Tariff Shock. Such a loss loss requires a 26.3% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventCNOBS&P 500
    2025 US Tariff Shock
      % Loss-20.8%-18.8%
      % Gain to Breakeven26.3%23.1%
      Time to Breakeven160 days79 days
    2023 SVB Regional Banking Crisis
      % Loss-43.0%-6.7%
      % Gain to Breakeven75.3%7.1%
      Time to Breakeven212 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-30.3%-24.5%
      % Gain to Breakeven43.5%32.4%
      Time to Breakeven1291 days427 days
    2020 COVID-19 Crash
      % Loss-59.2%-33.7%
      % Gain to Breakeven144.9%50.9%
      Time to Breakeven323 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-26.3%-19.2%
      % Gain to Breakeven35.7%23.8%
      Time to Breakeven304 days105 days
    2015-2016 China Devaluation / Global Growth Scare
      % Loss-25.1%-12.2%
      % Gain to Breakeven33.6%13.9%
      Time to Breakeven261 days62 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-21.0%-17.9%
      % Gain to Breakeven26.6%21.8%
      Time to Breakeven217 days123 days
    2010 Eurozone Sovereign Debt Crisis / Flash Crash
      % Loss-20.1%-15.4%
      % Gain to Breakeven25.1%18.2%
      Time to Breakeven220 days125 days
    2008-2009 Global Financial Crisis
      % Loss-40.3%-53.4%
      % Gain to Breakeven67.5%114.4%
      Time to Breakeven814 days1085 days
    Summer 2007 Credit Crunch
      % Loss-28.4%-8.6%
      % Gain to Breakeven39.7%9.5%
      Time to Breakeven2126 days47 days

    Compare to PFS, OCFC, VLY, WSFS, PGC

    In The Past

    ConnectOne Bancorp's stock fell -20.8% during the 2025 US Tariff Shock. Such a loss loss requires a 26.3% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About ConnectOne Bancorp (CNOB)

    ConnectOne Bancorp (CNOB) is a bank holding company operating primarily through its subsidiary, ConnectOne Bank. The company focuses on providing a full suite of commercial banking products and services, catering specifically to the needs of small and mid-sized businesses, local professionals, and individual clients. Its primary operational footprint covers Northern New Jersey, the New York Metropolitan area, and the South Florida market.

    ConnectOne Bank offers a variety of financial products and services, including personal and business checking, retirement, money market, and savings accounts. Lending services encompass consumer and commercial business loans (both secured and unsecured), revolving lines of credit, commercial mortgage loans, residential mortgages, home equity loans, bridge loans, and commercial construction and real estate loans. Additionally, the bank provides essential banking conveniences such as check cards, ATM cards, credit cards, wire transfers, internet banking, mobile banking, treasury direct services, and remote deposit capture. The company operates an extensive network of banking offices across its target regions in New Jersey, New York, and South Florida.

    AI Analysis | Feedback

    Here are 1-3 brief analogies for ConnectOne Bancorp (CNOB):

    • It's like a regional version of PNC Bank or KeyBank, serving individuals and small-to-midsize businesses in the New York Metro area, New Jersey, and South Florida.
    • Think of it as a full-service community bank for New Jersey, the New York Metro area, and South Florida, akin to an independent, regionally focused version of your local TD Bank or Chase.

    AI Analysis | Feedback

    • Deposit Accounts: The company offers personal and business checking, retirement, money market, time, and savings accounts.
    • Commercial Lending: Provides commercial business loans, revolving lines of credit, commercial mortgage loans, and commercial construction and real estate loans.
    • Residential Mortgage Lending: Offers residential mortgages for primary and secondary residences, home equity loans, and bridge loans.
    • Consumer Loans: Provides various personal purpose loans for individuals.
    • Payment Cards: Issues check cards, ATM cards, and credit cards.
    • Digital Banking: Offers internet banking and mobile banking services for convenient account management.
    • Treasury Management Services: Provides treasury direct, automated clearing house origination, wire transfers, and remote deposit capture services.
    • Ancillary Banking Services: Includes access to automated teller services and safe deposit boxes.

    AI Analysis | Feedback

    ConnectOne Bancorp (CNOB) primarily serves a diverse set of customers rather than a few major named companies. Based on the company description, it serves the following categories of customers:

    • Small and mid-sized businesses
    • Local professionals
    • Individuals

    AI Analysis | Feedback

    null

    AI Analysis | Feedback

    Here is the management team for ConnectOne Bancorp (CNOB): Frank Sorrentino III, Chairman and Chief Executive Officer
    Mr. Sorrentino is a founding organizer of ConnectOne Bank, which began as North Jersey Community Bank in 2005. He has served as Chairman since the bank's founding and as CEO since 2007. Prior to his banking career, he was president of FSS Construction, Inc., a family-owned third-generation construction business in Bergen County, NJ. He led the company's rebranding to ConnectOne Bank in 2013 and oversaw its merger with Union Center National Bank in 2014.

    William S. Burns, Senior Executive Vice President and Chief Financial Officer
    Mr. Burns has served as the Chief Financial Officer for ConnectOne Bank since 2012 and for ConnectOne Bancorp, Inc. since 2012. His extensive career in the financial services industry spans over 30 years. Prior to joining ConnectOne, he was the Chief Financial Officer, Treasurer, and Executive Vice President of Somerset Hills Bancorp from 2009 to 2012. He also held the position of Executive Vice President and CFO of The Trust Company of New Jersey, which was acquired by North Fork Bank in 2004. From 2005 to 2009, Mr. Burns was the CFO of TenRock Capital Fund, LP, a commercial mortgage lender. His earlier experience includes senior positions at Irving Trust Company, The Dime Savings Bank of New York, Summit Bank, and The Bank of New York.

    Elizabeth Magennis, President, ConnectOne Bank
    Ms. Magennis serves as the President of ConnectOne Bank and is a Director of ConnectOne Bancorp, Inc. She joined ConnectOne Bank in 2006 and brings over 30 years of experience in the banking industry. She previously held the role of Executive Vice President and Chief Lending Officer. Under her leadership, the bank has experienced significant organic growth and expanded into new markets.

    Siya Vansia, Senior Vice President and Chief Brand and Innovation Officer
    Ms. Vansia has been with ConnectOne for over a decade. She is responsible for the company's marketing, branding, and public image, and guides its digital transformation and advancements in products and services. She played a key role in the rebrand of the company from North Jersey Community Bank to ConnectOne Bank in 2013 and led the marketing efforts for the merger with Union Center National Bank in 2014. Prior to her current role, she served as Vice President, Marketing, and as Executive Assistant to the CEO.

    Michael O'Malley, Executive Vice President and Chief Risk Officer
    Mr. O'Malley joined ConnectOne in 2020. He previously served as Director of Enterprise Risk and Strategic Initiatives and Head of Operational Risk at OnDeck Capital, Inc. He possesses extensive risk management experience gained at various global financial institutions, including those in Fintech lending, global banking organizations, commercial banks, investment banks, broker-dealers, and wealth managers.

    AI Analysis | Feedback

    The key risks to ConnectOne Bancorp (CNOB) are primarily associated with its significant exposure to commercial real estate, sensitivity to interest rate fluctuations, and inherent cybersecurity threats. *

    Concentration in Commercial Real Estate (CRE) Loans

    ConnectOne Bancorp has a substantial portion of its loan portfolio concentrated in commercial real estate, which is highlighted as a significant vulnerability and a constant source of regulatory attention. As of December 31, 2025, commercial real estate loans represented 70.3% of total loans and 434% of Tier 1 capital plus allowance, exceeding the informal supervisory guidance of 300-400% for general CRE concentration. This high concentration exposes the bank to increased credit risk, particularly with potential softness in regional property markets, shifts in office demand, and specific regulations like New York multifamily rent controls. Should the commercial real estate market experience a downturn or if borrowers face challenges, the bank's asset quality and financial performance could be significantly impacted. *

    Interest Rate Risk and Economic/Regulatory Uncertainties

    The company is highly susceptible to interest rate risk, where fluctuations in rates can negatively affect its net interest margin, deposit costs, and the ability of borrowers to repay loans. Approximately $2.4 billion of ConnectOne Bancorp's loans, largely originated in a low-rate environment, are set to reprice in 2026–2027, potentially stressing some borrowers as rates reset higher. Furthermore, broader economic fluctuations and evolving regulatory developments, including heightened regulatory expectations on CRE risk management, new capital rules, and FDIC special assessments, pose threats to the bank's financial stability and could increase compliance costs. *

    Cybersecurity Risks

    As ConnectOne Bancorp increasingly integrates digital banking and fintech solutions into its operations, cybersecurity risks escalate. A significant breach could lead to financial losses, undermine customer trust, and severely damage the bank's reputation. The company's reliance on digital tools, including mobile banking and remote deposit capture services, makes robust cybersecurity measures and incident response plans critical to mitigating these growing threats.

    AI Analysis | Feedback

    The clearest emerging threats to ConnectOne Bancorp (CNOB) are:

    • Digital-only banks (Neobanks): These financial technology companies operate entirely online or through mobile apps, often providing lower fees, competitive interest rates on deposits, and a more streamlined digital experience. They directly challenge ConnectOne Bancorp by attracting individual and small business customers who prioritize convenience and digital access over traditional branch banking, potentially eroding CNOB's deposit base and basic service offerings.

    • Online lenders: Platforms specializing in various loan products (e.g., personal loans, small business loans, mortgages) leverage advanced technology to offer faster application and approval processes, often with competitive rates and a fully digital experience. This directly threatens ConnectOne Bancorp's lending business by providing an alternative for customers, particularly small and mid-sized businesses and individuals, who may seek quicker access to capital without needing a traditional bank relationship.

    AI Analysis | Feedback

    ConnectOne Bancorp, Inc. (CNOB) operates in the Northern New Jersey, New York Metropolitan area, and South Florida markets, offering a range of commercial and personal banking products and services. The addressable markets for their main offerings can be sized as follows:

    Commercial Banking Products and Services

    • New Jersey: The commercial banking industry in New Jersey is projected to have a market size of approximately $50.6 billion in 2026. In 2023, new lending to small businesses (with revenues of $1 million or less) in New Jersey totaled $7.9 billion, with $3.8 billion of that allocated to loans of $100,000 or less. Over a quarter of small and mid-sized businesses in the U.S. are likely to seek new financing within the next 6-12 months, indicating ongoing demand.
    • New York Metropolitan Area: The commercial banking industry in New York is expected to reach a market size of approximately $259.1 billion in 2026. Commercial and industrial loans by New York state banks increased by 4.2% in 2023.
    • South Florida Market: The commercial banking industry in Florida is estimated to be $65.5 billion in 2026. One commercial real estate firm alone originated approximately $4 billion in commercial property loans throughout Florida in 2024. Florida's market is noted as one of the fastest-growing in the U.S. due to population inflows, which fuels small-business formation and residential construction, contributing to commercial lending demand. The small and medium enterprises (SMEs) segment in the commercial lending market globally is anticipated to grow at a CAGR of 15.3% through 2028.

    Personal Banking Products and Services (Deposits)

    The total deposits within their operating regions provide an indication of the addressable market for personal checking, savings, money market, and other deposit accounts:

    • New Jersey: The total deposits in all banks in New Jersey amounted to $155.55 billion as of March 31, 2025.
    • New York Metropolitan Area: Total deposits in New York-based financial institutions exceeded $3.4 trillion in 2023. More specifically, the New York-Newark-Jersey City, NY-NJ-PA, metropolitan statistical area had total deposits of $620.9 billion as of June 30, 2013. Total deposits in New York across all banks listed was $2.07 trillion as of June 30, 2025.
    • South Florida Market (Florida): The total deposits in all banks in Florida were $271.30 billion as of March 31, 2025.

    AI Analysis | Feedback

    ConnectOne Bancorp (CNOB) is anticipated to drive future revenue growth over the next 2-3 years through several key strategies and market dynamics:
    • Loan Growth: The company expects an acceleration in loan growth, with projections for average loans to increase by more than 2% quarter-over-quarter in late 2025 and potentially exceeding 5% in 2026. Management has set a target of 3-5% loan growth for 2026, supported by a robust loan pipeline.
    • Net Interest Margin (NIM) Expansion: ConnectOne Bancorp anticipates continued expansion of its net interest margin, driven by its enhanced deposit base, reduced reliance on high-cost funding, and expected Federal Reserve rate cuts. The company projects its net interest margin to increase to the low 330s in Q1, with a potential to reach 335-340 basis points by the end of 2026.
    • Acquisition Synergies and Market Expansion: The successful integration of its 2025 acquisition of First of Long Island (FLIC) is a significant driver. This merger expanded ConnectOne's asset base to $14 billion and enhanced its market presence, particularly in the New York Metropolitan area. The rapid and seamless integration of the acquisition is expected to lead to improved margins, a stronger liquidity position, and overall enhanced growth and profitability.
    • Growth in Noninterest Income: ConnectOne Bancorp foresees growth in noninterest income, specifically from areas such as gains on sales. The company is actively building out its Small Business Administration (SBA) lending, BoeFly fintech platform, and residential mortgage operations, with SBA expected to contribute significantly to noninterest income in 2026.
    • Operational Efficiencies: The company is focused on improving operational efficiencies, which is expected to drive higher future earnings and performance returns. This includes plans to consolidate five branch locations by the end of the first quarter, aiming to streamline operations and realize cost savings.

    AI Analysis | Feedback

    Share Repurchases

    • ConnectOne Bancorp's Board of Directors authorized a stock repurchase program for up to 1,200,000 shares on March 11, 2019.
    • Management indicated in early 2026 that once the tangible common equity ratio returns to 9% (from 8.6%), the company anticipates dividend increases, buybacks, or mergers and acquisitions.
    • The company expects to have flexibility for opportunistic stock repurchases as capital generation accelerates in 2026.

    Share Issuance

    • On August 19, 2021, ConnectOne Bancorp completed a public offering of 115,000 shares of its 5.25% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series A, with net proceeds of $110.9 million.
    • In connection with its acquisition of The First of Long Island Corporation (FLIC) on June 1, 2025, the company issued 11,790,116 shares valued at $270.8 million.

    Outbound Investments

    • ConnectOne Bancorp completed the acquisition of The First of Long Island Corporation (FLIC) on June 1, 2025, which was described as the largest transaction in its history, significantly increasing its assets, loans, and deposits, and adding 36 branches.
    • In March 2021, ConnectOne Bank sold two leased branch offices in Orange County, NY, and their related deposits (over $50 million) to Rhinebeck Bank as part of a branch rationalization strategy.

    Capital Expenditures

    • Trailing twelve months capital expenditures for ConnectOne Bancorp were $106.398 million as of December 31, 2025.
    • The company plans to consolidate five branch locations as part of its synergy plans following the FLIC acquisition, aiming for increased efficiency.
    • ConnectOne Bancorp emphasizes a "branch-lite" strategy, focusing on technological investments in digital banking platforms and its BoeFly fintech subsidiary to service clients.

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    Financials

    CNOBPFSOCFCVLYWSFSPGCMedian
    NameConnectO.Providen.OceanFir.Valley N.WSFS Fin.Peapack . 
    Mkt Price32.8224.4619.4214.5581.2745.8028.64
    Mkt Cap1.63.21.18.14.20.82.4
    Rev LTM4618874062,1531,100294674
    Op Inc LTM-------
    FCF LTM12842410657524363185
    FCF 3Y Avg863489445420048147
    CFO LTM13543811457524876191
    CFO 3Y Avg9135610245420957155

    Growth & Margins

    CNOBPFSOCFCVLYWSFSPGCMedian
    NameConnectO.Providen.OceanFir.Valley N.WSFS Fin.Peapack . 
    Rev Chg LTM59.9%12.4%7.0%12.6%4.5%25.7%12.5%
    Rev Chg 3Y Avg19.1%23.9%-2.4%3.0%3.5%7.5%5.5%
    Rev Chg Q44.6%7.9%5.5%13.3%5.6%28.4%10.6%
    QoQ Delta Rev Chg LTM8.9%1.9%1.3%3.1%1.4%6.5%2.5%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM29.2%49.4%28.2%26.7%22.5%25.7%27.4%
    CFO/Rev 3Y Avg26.8%47.8%25.6%23.0%19.7%22.6%24.3%
    FCF/Rev LTM27.7%47.8%26.2%26.7%22.1%21.6%26.5%
    FCF/Rev 3Y Avg25.3%46.6%23.6%23.0%18.8%19.2%23.3%

    Valuation

    CNOBPFSOCFCVLYWSFSPGCMedian
    NameConnectO.Providen.OceanFir.Valley N.WSFS Fin.Peapack . 
    Mkt Cap1.63.21.18.14.20.82.4
    P/S3.63.62.73.73.82.73.6
    P/Op Inc-------
    P/EBIT-------
    P/E10.310.415.811.613.118.412.4
    P/CFO12.27.39.714.017.010.711.4
    Total Yield12.0%13.5%10.6%11.7%8.5%5.9%11.1%
    Dividend Yield2.2%3.9%4.2%3.1%0.9%0.4%2.7%
    FCF Yield 3Y Avg8.1%16.1%9.3%8.7%6.2%8.6%8.7%
    D/E0.60.91.30.40.10.10.5
    Net D/E-0.00.80.10.3-0.6-0.20.0

    Returns

    CNOBPFSOCFCVLYWSFSPGCMedian
    NameConnectO.Providen.OceanFir.Valley N.WSFS Fin.Peapack . 
    1M Rtn4.5%6.4%4.1%0.6%8.2%1.6%4.3%
    3M Rtn9.9%10.4%3.3%9.3%13.6%6.6%9.6%
    6M Rtn16.0%5.0%-0.8%7.9%15.9%30.3%11.9%
    12M Rtn48.8%43.2%22.5%64.2%54.5%84.7%51.6%
    3Y Rtn67.6%56.5%20.9%64.5%92.1%60.0%62.2%
    1M Excs Rtn-0.5%1.8%-1.0%-3.6%2.8%-3.9%-0.7%
    3M Excs Rtn4.7%4.3%-2.9%3.7%7.6%1.7%4.0%
    6M Excs Rtn5.6%-8.0%-14.4%-4.8%2.6%19.0%-1.1%
    12M Excs Rtn25.3%19.7%-0.9%41.6%30.0%63.0%27.7%
    3Y Excs Rtn2.0%-14.8%-49.4%-2.6%27.3%-11.9%-7.2%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date8/4/20265/5/20262/24/202611/3/20258/11/20255/2/20252/21/202511/5/20248/2/20245/3/20242/23/202411/3/2023
    Key Financials Quarterly            
    Total Revenue1221161131118470686666646666
    Net Income42384041-2020201719171921
    EPS0.800.720.760.79-0.520.490.490.410.460.410.460.51
    Key Financials TTM            
    Total Revenue TTM461424378334288270264262262263269285
    Net Income TTM16098806137777473777987100
    Growth Rates Quarterly            
    Total Revenue Growth44.6%64.7%64.5%69.6%27.7%9.4%3.7%-0.4%-2.1%-8.2%-19.0%-19.1%
    Net Income Growth305.3%86.8%94.0%138.8%-206.5%17.7%5.7%-19.8%-10.9%-31.0%-40.8%-26.0%
    Margins Quarterly            
    Net Income Margin34.3%32.7%35.1%36.8%-24.1%28.8%29.8%26.2%28.9%26.8%29.2%32.5%
    Cash & Debt            
    Total Cash9979721,0181,1831,256706969670703698860666
    Total Debt9511,0601,1381,0681,0967087848378509701,026979
    Net Debt / (Cash)-4788120-115-1612-186167147272166313
    Cash Flows Quarterly            
    FCF from Operations3415483761532-1422212827
    Cash Flows TTM            
    FCF from Operations TTM1351071069139556157989793146
    Returns to Shareholders Quarterly            
    Dividends1099977777777
    Share Repurchases-04-0012-00-0726
    Return on Invested Capital (ROIC) Quarterly            
    ROIC21.7%16.8%16.8%23.3%-12.6%15.1%23.4%9.7%11.1%8.5%10.7%10.0%
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM20.8%10.9%8.5%8.7%5.8%14.4%21.2%10.2%11.2%9.8%12.1%11.7%

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Community bank378264269315278
    Total378264269315278


    Net Income by Segment
    $ Mil2025202420232022
    Community bank947992132
    Total947992132


    Assets by Segment
    $ Mil2025202420232022
    Community bank14,0039,8809,8569,645
    Total14,0039,8809,8569,645


    Price Behavior

    Price Behavior
    Market Price$32.82 
    Market Cap ($ Bil)1.6 
    First Trading Date05/30/1996 
    Distance from 52W High-3.8% 
       50 Days200 Days
    DMA Price$32.38$28.09
    DMA Trendupup
    Distance from DMA1.4%16.8%
     3M1YR
    Volatility25.2%28.3%
    Downside Capture88.3781.29
    Upside Capture111.23107.03
    Correlation (SPY)32.0%39.3%
    CNOB Betas & Captures as of 7/31/2026

     1M2M3M6M1Y3Y
    Beta1.210.490.570.740.891.04
    Up Beta-0.92-0.91-0.410.361.011.04
    Down Beta1.010.060.190.140.590.97
    Up Capture184%147%126%125%116%123%
    Bmk +ve Days11223567138427
    Stock +ve Days12263772133380
    Down Capture197%76%82%95%88%102%
    Bmk -ve Days11212859114326
    Stock -ve Days10172654116363

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with CNOB
    CNOB47.8%28.3%1.37-
    Sector ETF (XLF)12.3%14.6%0.5756.6%
    Equity (SPY)23.3%12.8%1.3638.9%
    Gold (GLD)28.5%28.4%0.875.5%
    Commodities (DBC)32.9%19.8%1.32-24.7%
    Real Estate (VNQ)14.2%13.8%0.7236.8%
    Bitcoin (BTCUSD)-44.2%42.9%-1.2323.8%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with CNOB
    CNOB7.7%34.2%0.28-
    Sector ETF (XLF)11.4%18.4%0.4862.6%
    Equity (SPY)13.5%17.2%0.6146.5%
    Gold (GLD)18.6%18.6%0.810.0%
    Commodities (DBC)8.2%19.6%0.313.9%
    Real Estate (VNQ)2.3%18.9%0.0246.0%
    Bitcoin (BTCUSD)8.8%53.0%0.3519.1%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with CNOB
    CNOB9.2%37.7%0.35-
    Sector ETF (XLF)13.6%22.1%0.5669.7%
    Equity (SPY)15.4%17.9%0.7351.6%
    Gold (GLD)12.1%16.2%0.61-2.6%
    Commodities (DBC)7.4%18.0%0.3315.9%
    Real Estate (VNQ)4.8%20.7%0.2050.0%
    Bitcoin (BTCUSD)58.2%66.2%0.9814.6%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date7152026
    Short Interest: Shares Quantity1.5 Mil
    Short Interest: % Change Since 6302026-8.9%
    Average Daily Volume0.4 Mil
    Days-to-Cover Short Interest3.4 days
    Basic Shares Quantity50.2 Mil
    Short % of Basic Shares3.1%

    Returns Analyses

    Earnings Returns History

    Updated 8/3/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/23/2026-4.8%-0.6% 
    4/23/20263.3%3.7%7.0%
    1/29/2026-0.9%-0.1%-4.1%
    10/30/20250.2%3.6%9.1%
    7/29/2025-4.2%-7.5%4.5%
    4/24/20252.0%0.8%2.0%
    1/30/20255.2%11.0%7.9%
    10/24/2024-3.3%-2.9%7.8%
    ...
    SUMMARY STATS   
    # Positive141317
    # Negative10116
    Median Positive2.7%3.8%7.1%
    Median Negative-3.8%-2.9%-4.1%
    Max Positive8.8%12.9%23.5%
    Max Negative-8.3%-7.5%-14.0%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/23/2026-4.8%-0.6% 
    4/23/20263.3%3.7%7.0%
    1/29/2026-0.9%-0.1%-4.1%
    10/30/20250.2%3.6%9.1%
    7/29/2025-4.2%-7.5%4.5%
    4/24/20252.0%0.8%2.0%
    1/30/20255.2%11.0%7.9%
    10/24/2024-3.3%-2.9%7.8%
    7/25/20244.9%4.2%2.2%
    4/25/2024-6.4%-6.0%3.6%
    1/25/20240.4%-3.5%-14.0%
    10/26/20232.9%1.7%19.3%
    7/27/20230.9%5.0%-3.9%
    4/27/2023-1.3%-6.2%-10.7%
    1/26/2023-8.3%-2.0%0.8%
    10/27/2022-4.6%-2.1%7.6%
    7/28/20222.9%8.8%7.1%
    4/28/20221.1%1.9%-4.0%
    1/27/2022-2.3%-5.9%-3.6%
    10/28/20214.9%9.8%5.2%
    7/29/20212.4%1.6%10.0%
    4/29/2021-0.2%3.8%2.6%
    1/28/20218.8%12.9%17.8%
    10/29/20202.1%-2.1%23.5%
    SUMMARY STATS   
    # Positive141317
    # Negative10116
    Median Positive2.7%3.8%7.1%
    Median Negative-3.8%-2.9%-4.1%
    Max Positive8.8%12.9%23.5%
    Max Negative-8.3%-7.5%-14.0%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/04/202610-Q
    03/31/202605/05/202610-Q
    12/31/202502/24/202610-K
    09/30/202511/03/202510-Q
    06/30/202508/11/202510-Q
    03/31/202505/02/202510-Q
    12/31/202402/21/202510-K
    09/30/202411/05/202410-Q
    06/30/202408/02/202410-Q
    03/31/202405/03/202410-Q
    12/31/202302/23/202410-K
    09/30/202311/03/202310-Q
    06/30/202308/04/202310-Q
    03/31/202305/05/202310-Q
    12/31/202202/24/202310-K
    09/30/202211/04/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/04/202610-Q
    03/31/202605/05/202610-Q
    12/31/202502/24/202610-K
    09/30/202511/03/202510-Q
    06/30/202508/11/202510-Q
    03/31/202505/02/202510-Q
    12/31/202402/21/202510-K
    09/30/202411/05/202410-Q
    06/30/202408/02/202410-Q
    03/31/202405/03/202410-Q
    12/31/202302/23/202410-K
    09/30/202311/03/202310-Q
    06/30/202308/04/202310-Q
    03/31/202305/05/202310-Q
    12/31/202202/24/202310-K
    09/30/202211/04/202210-Q
    06/30/202208/05/202210-Q
    03/31/202205/06/202210-Q
    12/31/202102/25/202210-K
    09/30/202111/05/202110-Q
    06/30/202108/06/202110-Q
    03/31/202105/07/202110-Q
    12/31/202003/01/202110-K
    09/30/202011/06/202010-Q
    06/30/202008/10/202010-Q
    03/31/202005/08/202010-Q
    12/31/201903/02/202010-K
    09/30/201911/06/201910-Q

    Recent Forward Guidance

    Updated 7/27/2026

    Latest: Q2 2026 Earnings Reported 7/23/2026

    Forward GuidanceGuidance Change
    MetricLowMidHigh% Chg% DeltaChangePrior
    2026 Effective Tax Rate 28.0%    

    Prior: Q1 2026 Earnings Reported 4/23/2026

    Forward GuidanceGuidance Change
    MetricLowMidHigh% Chg% DeltaChangePrior
    Q2 2026 SBA Loan Sale Gains 1.10 Mil    

    Q4 2025 Earnings Reported 1/29/2026

    Forward GuidanceGuidance Change
    MetricLowMidHigh% Chg% DeltaChangePrior
    2026 SBA Loan Pretax Gains 4.00 Mil    
    2026 Effective Tax Rate 28.0%  0.0%AffirmedGuidance: 28.0% for 2026

    Insider Activity

    Updated 6/16/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Moise, Anson M DirectBuy616202633.1986028,543572,162Form
    2Moise, Anson M DirectBuy609202631.391203,767514,137Form
    3Moise, Anson M DirectBuy609202630.961203,715503,379Form
    4Kempner, Michael W DirectSell319202614.7567,8001,000,3823,163,008Form
    5Javitz, Joseph TEVP & Chief Credit OfficerDirectSell903202525.461,70043,282538,372Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Moise, Anson M DirectBuy616202633.1986028,543572,162Form
    2Moise, Anson M DirectBuy609202631.391203,767514,137Form
    3Moise, Anson M DirectBuy609202630.961203,715503,379Form
    4Kempner, Michael W DirectSell319202614.7567,8001,000,3823,163,008Form
    5Javitz, Joseph TEVP & Chief Credit OfficerDirectSell903202525.461,70043,282538,372Form
    6Boswell, Stephen T DirectBuy805202522.251,50033,3751,728,257Form
    7Boswell, Stephen T See Footnote 1Buy805202522.236,200137,8576,236,178Form
    8O'Donnell, Susan C DirectBuy804202522.302,69160,000190,054Form

    Investor Activity (13F)

    Updated Aug 8, 2026
    13F holdings as of Mar 31, 2026 (Q1 2026)

    Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.

    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Stieven Capital Advisors, L.P.$19.3 Mil4.1%35Hold13F
    Endeavour Capital Advisors Inc$5.4 Mil1.2%42ADD +55.5%13F
    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Endeavour Capital Advisors Inc$5.4 Mil1.2%42ADD +55.5%13F
    Active Manager
    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Stieven Capital Advisors, L.P.$19.3 Mil4.1%35Hold13F
    Endeavour Capital Advisors Inc$5.4 Mil1.2%42ADD +55.5%13F

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    Core Cache Last Updated: 8/7/2026