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ConnectOne Bancorp, Inc. operates as the bank holding company for ConnectOne Bank that provides commercial banking products and services for small and mid-sized businesses, local professionals, and individuals in the United States. The company offers personal and business checking, money market, and time and savings accounts; credit cards, wire transfers, safe deposit boxes, automated teller services and telephone, and internet and mobile banking. It also provides retirement accounts, consumer and cash management services for business clients, including treasury direct, automated clearing house origination, remote deposit capture, and digital invoicing. In addition, the company offers consumer and commercial business loans, including lines of credit, commercial and residential mortgages, home equity and bridge loans, and other personal loans; commercial loans secured by collateral, such as business assets including accounts receivable, inventory and equipment, and mortgages filed on commercial and residential real estate, as well as cash balances and marketable securities. Further, the company provides real estate loans, which includes loans secured by first liens on completed commercial properties, including multifamily properties, to purchase or refinance properties; residential mortgages, such as loans secured by first liens on 1-4 family and condominiums; and cooperative residential real estate loans. The company was formerly known as Center Bancorp, Inc. and changed its name to ConnectOne Bancorp, Inc. in July 2014. ConnectOne Bancorp, Inc. was incorporated in 1982 and is headquartered in Englewood Cliffs, New Jersey.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
ConnectOne Bancorp is a New Jersey bank holding company operating ConnectOne Bank, offering deposit, commercial and consumer lending services to middle-market businesses and local customers. Growth drivers include demand for middle-market and commercial real estate loans, expansion of fee-based services and targeted acquisitions to build scale. Investors may view the company as positioned to leverage a community-oriented deposit franchise amid regional economic activity.
Principal risks are interest-rate sensitivity, concentration in commercial real estate and construction lending, regional economic weakness and competitive and regulatory pressures facing regional banks.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 112.74M | 98.47M | 116.96M | 171.22M | 175.06M |
| Net income | 80.44M | 73.79M | 87.00M | 125.21M | 130.35M |
| Selling general administrative | 127.97M | 97.25M | 96.69M | 83.60M | 73.00M |
| Selling and marketing expenses | 3.18M | 2.42M | 1.97M | 1.69M | 1.32M |
| Gross profit | 267.86M | 250.26M | 260.91M | 315.36M | 277.89M |
| Reconciled depreciation | 14.01M | 5.66M | 5.81M | 1.69M | 1.98M |
| Ebit | - | 98.47M | 116.96M | 242.85M | 175.06M |
| Ebitda | 112.74M | 104.12M | 122.90M | 244.54M | 177.04M |
| Depreciation and amortization | - | 5.66M | 5.94M | 1.69M | 1.98M |
| Operating income | 112.74M | 98.47M | 116.96M | 242.85M | 175.06M |
| Other operating expenses | 493.73M | 436.15M | 387.11M | 1.69M | 102.84M |
| Interest expense | 291.62M | 270.55M | 234.96M | 71.63M | 38.86M |
| Tax provision | 32.30M | 24.67M | 36.09M | 46.01M | 44.70M |
| Interest income | 644.87M | 513.54M | 470.12M | 372.09M | 300.77M |
| Net interest income | 353.25M | 242.99M | 267.83M | 300.46M | 261.91M |
| Income tax expense | 32.30M | 24.67M | 29.95M | 46.01M | 44.70M |
| Total revenue | 606.47M | 534.62M | 504.07M | 315.36M | 277.89M |
| Total operating expenses | 155.11M | 151.80M | 143.95M | 1.69M | -102.84M |
| Cost of revenue | 338.62M | 284.35M | 243.16M | - | - |
| Total other income expense net | - | -417.00M | 116.96M | -71.63M | -38.86M |
| Net income from continuing ops | 80.44M | 73.79M | 100.29M | 125.21M | 130.35M |
| Net income applicable to common shares | - | - | - | 119.17M | 128.64M |
| Preferred stock and other adjustments | - | - | - | 6.04M | 1.72M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 14002.70M | 9879.60M | 9855.60M | 9644.95M | 8129.48M |
| Intangible assets | 59.92M | 4.64M | 5.87M | 7.31M | 9.00M |
| Other current assets | 11359.74M | - | 291.82M | 59.83M | 6489.57M |
| Total liab | 12429.36M | 8637.90M | 8638.98M | 8466.20M | 633.56M |
| Total stockholder equity | 1573.34M | 1241.70M | 1216.62M | 1178.75M | 1124.21M |
| Other current liab | 32.45M | 7816.54M | 4586.35M | 7356.62M | 6332.95M |
| Common stock | 857.76M | 586.95M | 586.95M | 586.95M | 586.95M |
| Capital stock | 968.69M | 697.87M | 697.87M | 697.87M | 697.87M |
| Retained earnings | 673.90M | 631.45M | 590.97M | 535.91M | 440.17M |
| Other liab | - | - | - | 87.30M | 38.75M |
| Good will | 220.24M | 208.37M | 208.37M | 208.37M | 208.37M |
| Other assets | 934.57M | 715.37M | 0.00M | 7791.33M | 6489.57M |
| Cash | 92.41M | 356.49M | 242.71M | 268.31M | 265.54M |
| Total current liabilities | 32.45M | 8480.64M | 5470.40M | 11.40M | 12.42M |
| Net debt | 1077.84M | 427.02M | 783.48M | 753.96M | 368.02M |
| Short term debt | 32.45M | 664.11M | 884.05M | 11.40M | 12.42M |
| Short long term debt | 878.05M | 660.53M | - | - | - |
| Short long term debt total | 1170.24M | 783.51M | 1026.19M | 1022.27M | 633.56M |
| Other stockholder equity | -37.35M | -39.77M | -37.11M | -22.67M | -12.43M |
| Property plant equipment | - | - | - | 27.80M | 40.05M |
| Total current assets | 12703.08M | 406.20M | 291.82M | 949.26M | 834.20M |
| Long term investments | 1270.22M | 632.94M | 635.73M | 650.70M | 548.30M |
| Net tangible assets | - | - | - | 852.14M | 795.92M |
| Short term investments | 1250.94M | 4.21M | 617.16M | 634.88M | 534.51M |
| Net receivables | 11359.74M | 45.50M | 49.11M | 46.06M | 34.15M |
| Long term debt | 227.30M | 768.01M | 1013.02M | 1010.88M | 621.14M |
| Inventory | - | - | -8990.86M | 0.26M | - |
| Accounts payable | - | - | - | 7356.62M | 6332.95M |
| Accumulated other comprehensive income | -31.90M | -47.85M | -35.11M | -32.36M | -1.40M |
| Common stock total equity | - | - | - | 586.95M | 586.95M |
| Preferred stock total equity | - | - | - | 110.93M | 110.93M |
| Retained earnings total equity | - | - | - | 535.91M | 440.17M |
| Treasury stock | - | - | - | -52.80M | -39.67M |
| Non currrent assets other | - | 395.86M | 312.59M | -904.36M | -805.72M |
| Non current assets total | 365.05M | 9473.40M | 9563.78M | 904.36M | 805.72M |
| Capital lease obligations | 32.45M | 15.50M | 13.17M | 11.40M | 12.42M |
| Long term debt total | - | - | - | 153.25M | 152.95M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 0.31M | 55.15M | -289.37M | -1510.99M | -663.52M |
| Change to liabilities | - | - | - | 48.32M | 10.53M |
| Total cashflows from investing activities | -186.16M | 55.15M | -248.04M | -1543.23M | -689.86M |
| Net borrowings | -20.00M | -245.54M | 0.94M | 389.39M | 42.27M |
| Total cash from financing activities | 104.17M | -2.08M | 129.55M | 1369.23M | 449.37M |
| Change to operating activities | - | - | - | 30.13M | 51.07M |
| Net income | 80.44M | 73.79M | 87.00M | 125.21M | 130.35M |
| Change in cash | 24.41M | 113.77M | -25.60M | 2.78M | -38.22M |
| Begin period cash flow | 356.49M | 242.71M | 268.31M | 265.54M | 303.76M |
| End period cash flow | 380.89M | 356.49M | 242.71M | 268.31M | 265.54M |
| Total cash from operating activities | 106.40M | 60.70M | 92.89M | 176.78M | 202.27M |
| Issuance of capital stock | - | - | 0.00M | 0.00M | 110.93M |
| Depreciation | 14.01M | 5.66M | 5.94M | 5.50M | 5.66M |
| Other cashflows from investing activities | -235.95M | 71.34M | -260.14M | -28.94M | -23.55M |
| Dividends paid | 37.99M | 33.32M | 31.95M | 29.46M | 19.21M |
| Change to account receivables | -1.33M | 3.61M | -3.05M | -11.91M | 1.17M |
| Sale purchase of stock | -2.23M | -7.22M | -19.40M | -15.26M | -10.68M |
| Other cashflows from financing activities | 164.39M | 284.00M | 179.96M | 5227.63M | 716.06M |
| Change to netincome | - | - | - | 22.18M | 10.89M |
| Capital expenditures | 5.39M | 3.79M | 7.43M | 3.30M | 2.78M |
| Change receivables | - | - | - | -11.91M | 1.17M |
| Cash flows other operating | - | - | - | -11.90M | 37.33M |
| Cash and cash equivalents changes | - | - | - | 2.78M | -38.22M |
| Change in working capital | -4.89M | -27.97M | -19.86M | 23.82M | 57.01M |
| Stock based compensation | 4.65M | 4.57M | 4.86M | 4.89M | 4.54M |
| Other non cash items | 14.96M | 6.69M | 10.81M | 17.76M | 4.70M |
| Free cash flow | 101.01M | 56.91M | 85.46M | 173.48M | 199.49M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CNOB ConnectOne Bancorp, Inc. |
-0.42 1.27% |
32.57 | 9.90 | 10.21 | 3.62 | 1.06 | 5.78 |
| DBSDY DBS Group Holdings Ltd ADR |
0.20 0.09% |
231.02 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.36 1.07% |
33.16 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
- -% |
84.14 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
ConnectOne Bancorp, Inc. operates as the bank holding company for ConnectOne Bank that provides commercial banking products and services for small and mid-sized businesses, local professionals, and individuals in the United States. The company offers personal and business checking, money market, and time and savings accounts; credit cards, wire transfers, safe deposit boxes, automated teller services and telephone, and internet and mobile banking. It also provides retirement accounts, consumer and cash management services for business clients, including treasury direct, automated clearing house origination, remote deposit capture, and digital invoicing. In addition, the company offers consumer and commercial business loans, including lines of credit, commercial and residential mortgages, home equity and bridge loans, and other personal loans; commercial loans secured by collateral, such as business assets including accounts receivable, inventory and equipment, and mortgages filed on commercial and residential real estate, as well as cash balances and marketable securities. Further, the company provides real estate loans, which includes loans secured by first liens on completed commercial properties, including multifamily properties, to purchase or refinance properties; residential mortgages, such as loans secured by first liens on 1-4 family and condominiums; and cooperative residential real estate loans. The company was formerly known as Center Bancorp, Inc. and changed its name to ConnectOne Bancorp, Inc. in July 2014. ConnectOne Bancorp, Inc. was incorporated in 1982 and is headquartered in Englewood Cliffs, New Jersey.
301 Sylvan Avenue, Englewood Cliffs, NJ, United States, 07632
844 266 2548
750
| Name | Title | Year Born |
|---|---|---|
| Mr. Frank S. Sorrentino III | Chairman, Pres & CEO | 1962 |
| Mr. William S. Burns | Sr. EVP & CFO | 1960 |
| Mr. Christopher J. Ewing | Exec. VP & COO | 1960 |
| Ms. Laura Criscione | Exec. VP, Corp. Sec. & Chief Compliance Officer | 1969 |
| Ms. Elizabeth Magennis | Pres of ConnectOne Bank | 1970 |
| Ms. Siya Vansia | VP of Marketing | NA |
| Mr. Michael Rozman | Pres of BoeFly Division | NA |
| Mr. Joseph T. Javitz | First Sr. VP & Chief Credit Officer | 1958 |
| Mr. Frank S. Sorrentino III | Chairman, President & CEO | 1962 |
| Mr. William S. Burns | Senior EVP & CFO | 1960 |
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