ConnectOne Bancorp, Inc. (CNOB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$32.31+0.78%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · CNOB
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue expanding net interest margin through loan repricing and deposit cost management to drive profitable growth.
Stated as a priority in 2 of last 2 quarters. Net interest margin grew from 3.06% in 2025-Q2 to 3.42% in 2026-Q2, marking the 7th consecutive quarter of expansion. The trajectory matches management's statements of continued margin improvement driven by loan repricing and deposit cost management, delivering consistent growth.
“Loans and core deposits grew... while our net interest margin expanded for the 7th consecutive quarter, climbing past 3.40%.”
“Net interest margin expanded by 12 basis points... accelerating portfolio loan yields expected to support continued net interest margin expansion.”
Sustain sequential growth in loans and core deposits to support balance sheet expansion and revenue growth.
Stated as a priority in 2 of last 2 quarters. Loans receivable grew from $11.5B at 2025-Q4 to $11.9B at 2026-Q2, and total deposits increased from $11.2B to $11.7B over the same period. The sequential growth rates of approximately 5% for loans and 8% for deposits align with management's stated goals, indicating delivery on this priority.
“Loans and core deposits grew sequentially at annualized rates of approximately 5% and 8%, respectively.”
“Loans and deposits both grew sequentially at an annualized rate of approximately 10%.”
Focus on profitable growth, dividend increases, and tangible book value growth to create sustained shareholder value.
Stated as a priority in 2 of last 2 quarters. Tangible book value per share increased from $23.52 at 2025-Q4 to $24.66 at 2026-Q2, and the quarterly dividend rose from $0.18 to $0.195 per share. These financial metrics demonstrate delivery on management's commitment to profitable growth and shareholder value creation.
“Confident in ConnectOne's ability to deliver profitable growth and create long-term value for shareholders.”
“Executing against our strategic priorities and remain well positioned to deliver long-term value for our shareholders in 2026 and beyond.”
Maintain disciplined expense management and realize cost savings from the merger with FLIC to improve operating efficiency.
Stated as a priority in 2 of last 2 quarters. Noninterest expenses decreased from $57.9M in 2026-Q1 to $55.4M in 2026-Q2, reflecting enhanced operating efficiency. However, expenses remain elevated compared to pre-merger levels due to merger-related costs. Management continues to emphasize expense control and synergy realization, showing partial delivery with ongoing focus.
“Operating efficiency enhanced, noninterest expenses decreased sequentially by $2.5 million.”
“Expenses remain well-controlled as we continue to leverage merger synergies and drive additional productivity gains.”
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 56% for the rest of the cohort, n=7680).
Over the trailing year it converted 0.84x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates (low R² over the window).
5 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.