Company Analysis

ConnectOne Bancorp, Inc. (CNOB)

Nasdaq: CNOB · State Commercial Banks · Englewood Cliffs, NJ · filing with the SEC since 1995
Grade5.2
◀ Past 6.3● Present 4.3▶ Future 4.7

The grade of ConnectOne Bancorp, Inc.

Nine metrics read from its own filings, by tense
Headline grade
5.2/10
◀ Past6.340% of the headline
● Present4.335% of the headline
▶ Future4.725% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

6.3/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.8/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 78th percentile among 165 sector filers · read for itself

From the record

ConnectOne Bancorp, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
6.1/10

What has it actually done, year after year?

+16.7% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 61st percentile among 152 sector filers · read for its customers

From the record

ConnectOne Bancorp, Inc.'s 10 filed years say what it did: revenue went from $161 million in fiscal 2016 to $645 million in fiscal 2025, up 16.7% a year; it rose in 8 of 9 years; the deepest fall was 2% from fiscal 2020 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span16.7%top 35% of its family
  • the share of years revenue rosetop 39% of its family
  • the share of filed years with a profittop 44% of its family
  • the deepest fall from a revenue peak2.1%top 37% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
4.2/10

How has it treated the people who own it?

Share count grew 4.8% a year. 42% of cash flow returned. Insiders: 1 sales, 3 purchases.

weight 33% of this tense · 42nd percentile among 157 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, ConnectOne Bancorp, Inc.'s diluted share count grew about 4.8% a year, and dividends and buybacks returned about 42% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 1 sale and 3 purchases of their own stock on the open market in the year to 2026-10-27, buying about $36 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearsbottom 20% of its family
  • cash returned against operating cash flowtop 37% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.3/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
2.5/10

Is it financially healthy right now?

ROE 5%: 5¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar.

weight 45% of this tense · 25th percentile among 161 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, ConnectOne Bancorp, Inc. earned about 5 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count grew 18.0% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 43% of its family
  • return on equitybottom 10% of its family
  • the share count against the year beforebottom 9% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
4.9/10

How strong is its position in its industry?

bottom 49% of 155 in its family; net margin 12.5%.

weight 33% of this tense · 49th percentile among 155 sector filers · read for its customers

From the record

ConnectOne Bancorp, Inc.'s standing among 155 graded names in its industry family: revenue of $645 million in fiscal 2025 ranks in the top 31% by size; a net margin of 12.5% ranks in the bottom 13%; revenue growth of 19.9% a year over the last 3 filed years ranks in the top 35% (its annual reports).

What it rests on

  • revenue against the family$645Mtop 31% of its family
  • net margin12.5%bottom 13% of its family
  • three-year revenue growth19.9%top 35% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
7.2/10

What are the people in charge doing?

top 28% of 150 in its family for leadership; chief executive since 2014.

weight 22% of this tense · 72nd percentile among 150 sector filers · read for its shareholders

From the record

ConnectOne Bancorp, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Sorrentino, Frank III (Chairman & CEO, as filed), filing under that title since 2014-07-01, 12.4 years (top 22% of its family); the 21 officers and directors filing in the last fifteen months have been on the record a median of 7.9 years (top 43%); 3 officer or director changes were reported on Form 8-K since 2023-11-13, against the 21 people in charge now (top 20%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge3 in three years among 21 peopletop 20% of its family
  • the median years the people in charge have filed7.9 yearstop 43% of its family
  • the chief executive's years on the record12.4 yearstop 22% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

4.7/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
3.3/10

How much room does it have to grow?

bottom 33% of 142 in its family for room to expand.

weight 33% of this tense · 33rd percentile among 142 sector filers · read for itself

From the record

ConnectOne Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $381 million against no long-term debt tagged leaves 2.7% of its assets as net cash, bottom 46% of its family; cash from operations less capital spending is 15.7% of revenue (bottom 20%) (its annual report).

What it rests on

  • cash less debt against assets2.7%bottom 46% of its family
  • cash from operations less capital spending against revenue15.7%bottom 20% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
6.7/10

What could actually drive growth from here?

top 33% of 152 in its family for growth drivers.

weight 33% of this tense · 67th percentile among 152 sector filers · read for its customers

From the record

ConnectOne Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 19.9% a year over the last three filed years against 16.7% over all 10, speeding up (bottom 44% of its family); the newest year grew 24.5% (top 6%); capital spending grew 17.7% a year (top 36%) (its annual reports). ConnectOne Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+3.3 points a yearbottom 44% of its family
  • the newest year's revenue growth24.5%top 6% of its family
  • three-year growth of capital spending17.7%top 36% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
4.0/10

Did its newest year beat what its own record pointed to?

bottom 40% of 150 in its family for expectations against reality.

weight 33% of this tense · 40th percentile among 150 sector filers · read for its shareholders

From the record

ConnectOne Bancorp, Inc.'s newest year against its own record: revenue of $645 million in fiscal 2025 came in 5.8% above the $610 million its prior three years' pace pointed to (top 8% of its family); net income of $80 million against a prior three-year average of $95 million (bottom 14%); a net margin of 12.5% against 21.8% before (bottom 14%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace5.8%top 8% of its family
  • net income against the prior three years' average-16%bottom 14% of its family
  • net margin against its prior average-9.4 pointsbottom 14% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton CNOB · research, not advice