ConnectOne Bancorp, Inc. (CNOB)

ConnectOne Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	531.95	477.86	453.99	352.99	293.55	296.61
Interest Income on Investments	54.61	40.03	36.07	20.75	8.19	11.59
Total Interest Income	586.56	517.89	490.07	373.75	301.74	308.2
Interest Paid on Deposits	248.01	244.85	206.18	50.56	24.77	52.39
Interest Paid on Borrowings	27.19	25.71	28.78	21.07	14.09	17.82
Total Interest Expense	275.19	270.55	234.96	71.63	38.86	70.21
Net Interest Income	311.37	247.34	255.11	302.12	262.88	237.99
Net Interest Income Growth (YoY)	27.38%	-3.04%	-15.56%	14.93%	10.46%	27.73%
Gain (Loss) on Sale of Assets	-	-	-	-	0.67	-
Gain (Loss) on Sale of Investments	2.24	0	-0.12	-1.52	-0.18	0.23
Other Non-Interest Income	18.37	7.14	6.32	5.6	4.77	5.01
Total Non-Interest Income	32.79	16.73	14	13.24	15.69	14.4
Non-Interest Income Growth (YoY)	90.71%	19.48%	5.72%	-15.60%	8.96%	79.22%
Revenues Before Loan Losses	344.16	264.07	269.11	315.36	278.57	252.39
Provision for Loan Losses	48.2	13.8	8.2	17.75	-5.5	41
Revenue	295.96	250.27	260.91	297.61	284.07	211.39
Revenue Growth (YoY)	19.03%	-4.08%	-12.33%	4.77%	34.38%	13.50%
Salaries and Employee Benefits	97.29	85.49	83.36	75.83	59.54	55.81
Occupancy Expenses	10.6	8.12	10.88	9.87	11.64	13.88
Federal Deposit Insurance	8	7.2	8.37	2.88	2.67	4
Amortization of Goodwill & Intangibles	5.02	1.24	1.44	1.69	1.98	2.56
Selling, General & Administrative	40.88	36.51	28.71	25.74	25.41	17.54
Other Non-Interest Expense	11.72	11.17	11.19	8.87	7.78	10.24
Total Non-Interest Expense	173.83	149.72	143.95	124.87	109.01	104.03
EBT Excluding Unusual Items	122.13	100.55	116.96	172.74	175.06	107.36
Other Unusual Items	-	-	-	-1.52	-	-2.33
Pretax Income	85.83	98.47	116.96	171.22	175.06	90.39
Income Tax Expense	24.54	24.67	29.96	46.01	44.71	19.1
Net Income	61.3	73.79	87	125.21	130.35	71.29
Preferred Dividends & Other Adjustments	6.18	6.22	6.25	6.32	2.03	0.36
Net Income to Common	55.12	67.57	80.75	118.89	128.32	70.93
Net Income Growth	-15.68%	-15.18%	-30.51%	-3.94%	82.85%	-2.87%
Basic Shares Outstanding	42	38	39	39	40	40
Diluted Shares Outstanding	42	38	39	39	40	40
Shares Change (YoY)	10.21%	-1.23%	-1.30%	-1.03%	0.61%	12.33%
EPS (Basic)	1.31	1.77	2.08	3.03	3.24	1.80
EPS (Diluted)	1.30	1.76	2.07	3.01	3.22	1.79
EPS Growth	-24.82%	-14.98%	-31.23%	-6.52%	79.89%	-13.53%
Dividend Per Share	0.720	0.720	0.680	0.620	0.480	0.360
Dividend Growth	1.41%	5.88%	9.68%	29.17%	33.33%	-
Effective Tax Rate	28.59%	25.06%	25.61%	26.87%	25.54%	21.13%

Updated Oct 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q