ConnectOne Bancorp, Inc.

CNOBP

CNOBPConnectOne Bancorp, Inc. US flag

NASDAQ Global Select

24.95

USD

+0.07

- -

1.25BMarket Cap

Income Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	47	50	53	87	128	140	153	163	194	252	278	315	269	264	378
+ Sales & Services Revenue	47	50	53	87	128	140	153	163	194	252	278	315	269	264	378
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	15	14	15	21	31	35	39	44	52	64	68	85	99	100	124
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-15	-14	-15	-21	-31	-35	-39	-44	-52	-64	-68	-85	-99	-100	-124
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-21	-25	-27	-27	-61	-43	-69	-71	-94	-90	-175	-171	-117	-98	-113
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-21	-25	-27	-27	-61	-43	-69	-71	-94	-90	-175	-171	-117	-98	-113
Pretax Income	21	25	27	27	61	43	69	71	94	90	175	171	117	98	113
- Income Tax Expense (Benefit)	7	8	7	9	20	12	25	11	21	19	45	46	30	25	32
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	14	18	20	19	41	31	43	60	73	71	130	125	87	74	80
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	14	18	20	19	41	31	43	60	73	71	130	125	87	74	80
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	14	18	20	19	41	31	43	60	73	71	130	125	87	74	80
- Preferred Dividends	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	2	6	6	6	6
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	13	17	20	18	41	31	43	60	73	71	129	119	81	68	74
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	1	1	1	2	3	4	4	4	4	7	6	6	6	6	14
EBITDA Margin (%)	2.08	1.84	1.67	2.35	2.51	2.52	2.53	2.27	2.3	2.7	2.06	1.76	2.21	2.14	3.7
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	29.49	35.15	37.57	21.36	32.19	22.19	28.2	37.1	37.76	28.25	46.91	39.7	32.33	27.95	21.27
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	1	1	1	2	3	4	4	4	4	7	6	6	6	6	14
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Balance Sheet (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	526	603	406	416	397	554	585	584	606	792	800	903	860	969	1,018
+ Cash & Cash Equivalents	111	106	83	127	201	200	150	172	201	304	266	268	243	356	381
+ ST Investments	415	497	323	290	196	353	435	412	405	488	535	635	617	613	637
+ Accounts & Notes Receiv	6	7	16	12	13	13	15	18	21	35	34	46	49	45	61
+ Accounts Receivable, Net	6	7	7	12	13	13	15	18	21	35	34	46	49	45	61
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	9	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-532	-610	-421	-428	-409	-567	-600	-603	-627	-827	-834	-949	-909	-1,015	-1,079
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	12	14	14	21	22	22	22	19	34	46	40	38	43	43	85
+ Property, Plant & Equip	33	36	37	54	58	60	62	62	85	108	80	77	86	90	135
- Accumulated Depreciation	21	22	23	33	35	38	40	43	51	62	40	39	43	47	50
+ LT Investments & Receivables	487	555	538	514	420	353	435	423	416	501	548	651	636	633	1,270
+ LT Investments	487	555	538	514	420	353	435	423	416	501	548	651	636	633	1,270
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-499	-568	-552	-535	-442	-375	-457	-443	-450	-548	-588	-689	-679	-676	-1,355
+ Total Intangible Assets	17	17	17	151	150	149	148	148	168	219	217	216	214	213	280
+ Goodwill	- -	17	17	146	146	146	146	146	163	208	208	208	208	208	220
+ Other Intangible Assets	17	- -	- -	5	4	3	2	2	5	11	9	7	6	5	60
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-516	-585	-569	-686	-592	-524	-605	-590	-618	-767	-806	-904	-893	-889	-1,635
Total Assets	1,433	1,630	1,673	3,449	4,016	4,426	5,108	5,462	6,174	7,547	8,129	9,645	9,856	9,880	14,003
+ Payables & Accruals	9	11	11	26	22	20	23	28	- -	- -	- -	- -	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	9	11	11	26	22	20	23	28	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	405	400	298	391	830	881	661	878
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	405	400	298	391	830	881	661	878
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-9	-11	-11	-26	-22	-20	-23	-433	-400	-298	-391	-830	-881	-661	-878
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-9	-11	-11	-26	-22	-20	-23	-433	-400	-298	-391	-830	-881	-661	-878
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	125	151	120	501	440	300	725	324	246	349	243	192	145	123	260
+ LT Borrowings	125	151	120	501	440	300	725	324	229	331	231	181	132	107	227
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	16	18	12	11	13	15	32
+ Other LT Liabilities	-125	-151	-120	-501	-440	-300	-725	-324	-246	-349	-243	-192	-145	-123	-260
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-125	-151	-120	-501	-440	-300	-725	-324	-246	-349	-243	-192	-145	-123	-260
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	1,297	1,469	1,504	3,002	3,539	3,895	4,543	4,848	5,443	6,632	7,005	8,466	8,639	8,638	12,429
+ Preferred Equity and Hybrid Capital	11	11	11	11	11	- -	- -	- -	- -	- -	111	111	111	111	111
+ Share Capital & APIC	115	115	115	380	383	424	426	428	490	611	614	617	620	623	897
+ Common Stock	110	110	110	374	374	413	413	413	469	587	587	587	587	587	858
+ Additional Paid in Capital	5	5	5	6	9	11	14	16	21	24	27	30	33	36	39
- Treasury Stock	17	17	17	17	17	17	17	17	29	30	40	53	70	76	76
+ Retained Earnings	33	47	62	72	105	126	160	211	272	332	440	536	591	631	674
+ Other Equity	-5	5	-3	-1	-5	-3	-4	-9	-1	3	-1	-32	-35	-48	-32
Equity Before Minority Interest	136	161	169	446	477	531	565	614	731	915	1,124	1,179	1,217	1,242	1,573
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	136	161	169	446	477	531	565	614	731	915	1,124	1,179	1,217	1,242	1,573
Total Liabilities & Equity	1,433	1,630	1,673	3,449	4,016	4,426	5,108	5,462	6,174	7,547	8,129	9,645	9,856	9,880	14,003
Shares Outstanding	16	16	16	30	30	32	32	32	35	40	40	39	39	38	50
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	16	18	12	11	13	15	32
Net Debt	14	45	37	374	239	99	575	556	428	325	356	743	770	412	724
Net Debt to Equity	10.34	28.01	22.22	83.78	50.16	18.67	101.73	90.6	58.49	35.49	31.63	63	63.32	33.14	46.05
Tangible Common Equity Ratio	7.61	8.22	8.48	8.62	8.18	8.93	8.41	8.77	9.38	9.5	10.06	9.04	9.25	9.49	8.62
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	14	18	20	19	41	31	43	60	73	71	130	125	87	74	80
+ Depreciation & Amortization	1	1	1	2	3	4	4	4	4	7	6	6	6	6	14
+ Non-Cash Items	5	3	4	2	3	33	77	24	7	41	9	22	20	9	17
+ Stock-Based Compensation	- -	- -	- -	- -	1	2	2	2	3	3	5	5	5	5	5
+ Deferred Income Taxes	3	2	2	- -	-3	2	4	1	- -	-7	- -	- -	4	-2	-3
+ Asset Impairment Charge	- -	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	1	1	2	2	5	28	71	21	4	46	5	18	11	7	15
+ Chg in Non-Cash Work Cap	-1	-1	-2	2	-1	-17	7	1	-24	-38	57	24	-20	-28	-5
+ (Inc) Dec in Accts Receiv	-2	- -	- -	- -	-1	- -	-3	-3	- -	-11	1	-12	-3	4	-1
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	2	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	-1	-2	-2	3	- -	-17	10	4	-24	-27	56	36	-17	-32	-4
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	18	21	23	25	46	50	131	89	61	81	202	177	93	61	106
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	2	- -	- -	- -	1	- -	1	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	2	- -	- -	- -	1	- -	1	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	-1	-1	-2	-4	-3	-3	-2	-2	-2	-3	-3	-7	-4	-5
+ Acq of Fixed Prod Assets	- -	-1	-1	-2	-4	-3	-3	-2	-2	-2	-3	-3	-7	-4	-5
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	- -	- -	38	- -	-1	-13	-2	-11	-15	-19	-7	-2
+ Increase in Capital Stock	- -	- -	- -	- -	- -	38	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -	-1	-13	-2	-11	-15	-19	-7	-2
+ Net Change in LT Investment	-103	-16	-7	66	90	71	-86	2	137	-64	-64	-199	20	-12	- -
+ Dec in LT Investment	310	209	172	125	145	238	139	142	362	276	286	150	65	70	444
+ Inc in LT Investment	-414	-224	-179	-59	-55	-167	-225	-140	-226	-340	-350	-350	-45	-82	-443
+ Net Cash From Acq & Div	- -	-4	- -	70	- -	- -	- -	- -	11	87	1	- -	- -	- -	55
+ Cash from Divestitures	- -	6	- -	70	- -	- -	- -	- -	11	87	1	- -	- -	- -	55
+ Cash for Acq of Subs	- -	-10	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-49	-88	-70	-274	-591	-496	-729	-359	-249	-345	-624	-1,341	-260	70	-236
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-153	-108	-78	-140	-505	-428	-818	-357	-102	-323	-690	-1,543	-248	55	-186
+ Dividends Paid	-2	-3	-4	-7	-9	-9	-10	-10	-12	-14	-19	-29	-32	-33	-38
+ Net Cash From Debt	-52	-15	- -	82	242	-195	209	4	-165	-50	-8	389	1	-246	-20
+ Cash From Debt	- -	- -	- -	161	899	375	1,280	1,807	2,597	1,600	340	4,203	2,946	867	1,166
+ Repayments of Debt	-52	-15	- -	-79	-656	-570	-1,071	-1,803	-2,762	-1,650	-348	-3,814	-2,946	-1,112	-1,186
+ Other Financing Activities	262	100	35	84	299	543	436	298	261	411	487	1,025	180	284	164
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	208	82	31	159	533	377	636	291	71	345	449	1,369	130	-2	104
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	74	-5	-23	44	74	- -	-51	23	29	102	-38	3	-26	114	24
EBITDA	1	1	1	2	3	4	4	4	4	7	6	6	6	6	14
EBITDA Margin (%)	2.08	1.84	1.67	2.35	2.51	2.52	2.53	2.27	2.3	2.7	2.06	1.76	2.21	2.14	3.7
Free Cash Flow	18	20	22	23	42	47	128	87	59	79	199	173	85	57	101
Net Cash Paid for Acquisitions	- -	4	- -	-70	- -	- -	- -	- -	-11	-87	-1	- -	- -	- -	-55
Free Cash Flow to Firm	18	20	22	23	42	47	128	87	59	79	199	173	85	57	101
Free Cash Flow to Equity	-33	5	22	105	285	-159	337	92	-106	28	301	558	80	-193	75
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow to Net Income	1.3	1.2	1.16	1.36	1.12	1.6	3.03	1.48	0.83	1.14	1.55	1.41	1.07	0.82	1.32
Capital Expenditures	- -	-1	-1	-2	-4	-3	-3	-2	-2	-2	-3	-3	-7	-4	-5