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ConnectOne (CNOB) Reports Q4 Earnings: What Key Metrics Have to Say

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ConnectOne Bancorp (CNOB - Free Report) reported $112.62 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 64.5%. EPS of $0.83 for the same period compares to $0.52 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $116.7 million, representing a surprise of -3.5%. The company delivered an EPS surprise of +12.93%, with the consensus EPS estimate being $0.74.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how ConnectOne performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Efficiency Ratio (non-GAAP): 45.3% compared to the 48.3% average estimate based on two analysts.
  • Net Interest Margin (GAAP): 3.3% versus 3.3% estimated by two analysts on average.
  • Average Balance - Total interest-earning assets: $13.09 billion compared to the $13.25 billion average estimate based on two analysts.
  • Deposit, loan and other income: $3.29 million compared to the $3.94 million average estimate based on two analysts.
  • Net gains on sale of loans held-for-sale: $0.63 million compared to the $0.65 million average estimate based on two analysts.
  • Income on bank owned life insurance: $2.95 million compared to the $2.48 million average estimate based on two analysts.
  • Total Noninterest Income: $6.02 million versus $7.06 million estimated by two analysts on average.

View all Key Company Metrics for ConnectOne here>>>

Shares of ConnectOne have returned +6.2% over the past month versus the Zacks S&P 500 composite's +0.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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