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ConnectOne Bancorp
ConnectOne Bancorp (CNOB) investor relations material
ConnectOne Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Achieved strong profitability, efficiency, and asset quality in 2025, surpassing $14 billion in assets and $1.4 billion in market cap after a major acquisition and systems integration.
Net income available to common stockholders was $38.0M for Q4 2025, up from $18.9M in Q4 2024; full-year 2025 net income was $74.4M.
Diluted EPS for Q4 2025 was $0.75, with full-year 2025 diluted EPS at $1.63; operating net income for Q4 2025 was $42.0M.
Expanded presence in the New York Metro market, with seamless merger execution and high client retention.
Announced closure of five branches as part of branch rationalization.
Financial highlights
Fourth-quarter operating earnings rose 18.6% sequentially, with operating ROA at 1.24% and ROTCE at 14.3%.
Net interest margin widened by 16 bps to 3.27% in Q4 2025, with fully taxable equivalent net interest income at $107.8M.
Tangible common equity ratio increased to 8.62% at year-end; tangible book value per share at $23.52.
Non-performing asset ratio was 0.33% at year-end 2025, with allowance for credit losses at 1.35% of loans.
Noninterest expenses were $56.9M in Q4 2025, up year-over-year mainly due to the FLIC merger.
Outlook and guidance
Net interest margin expected to rise by 5 bps in Q1 2026, with further increases per 25 bps Fed rate cut and per quarter from higher loan yields.
Operating expenses projected to increase 4% by Q4 2026, with branch closures and staff optimization offsetting some growth.
Loan portfolio growth guided to 3%-5% for 2026, with higher payoffs expected.
SBA loan pipeline is robust, with expected pretax gains exceeding $4M in 2026.
Effective tax rate for 2026 is estimated at 28%.
What drives 2026 NIM expansion beyond Q4 trends?
Noninterest income growth strategy post-ERTC
Quantify merger's future efficiency gains
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Next ConnectOne Bancorp earnings date
Q1 202623 Apr, 2026
ConnectOne Bancorp
Next ConnectOne Bancorp earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
ConnectOne Bancorp Inc is a bank holding company that provides commercial and personal banking services through its subsidiary, ConnectOne Bank. The company offers a range of financial products including business and consumer loans, deposit accounts, cash management solutions, and digital banking services. It serves small to mid-sized businesses, entrepreneurs, professionals, and individuals, primarily across the New York and New Jersey metropolitan areas. ConnectOne Bancorp also provides real estate financing and other specialized lending solutions. The company is headquartered in Englewood Cliffs, New Jersey, and its shares are listed on the NASDAQ.
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