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ConnectOne Bancorp (CNOB) investor relations material
ConnectOne Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Net income available to common stockholders for Q3 2025 was $39.5M, up from $15.7M in Q3 2024 and a loss of $21.8M in Q2 2025; diluted EPS rose to $0.78 from $0.41 year-over-year.
The FLIC merger, completed June 1, 2025, significantly increased average assets, loans, and deposits, driving much of the year-over-year growth and expense changes.
Several nonrecurring items, including a $6.6M Employee Retention Tax Credit and a $3.5M pension plan curtailment gain, contributed to results.
Franchise value is at its strongest, driven by prudent organic growth, technological focus, and solid credit quality.
Operating net income available to common stockholders was $35.5M, with operating diluted EPS of $0.70.
Financial highlights
Net interest margin (NIM) expanded to 3.11% from 3.06% sequentially and 2.67% year-over-year; spot margin at quarter end above 3.20%.
Net interest income for Q3 2025 was $102.0M, up from $60.9M in Q3 2024; noninterest income was $19.4M, up from $4.7M, including $6.6M ERTC and $3.5M pension gain.
Noninterest expenses for Q3 2025 rose to $58.7M from $38.6M, mainly due to higher salaries, merger, and amortization costs.
Provision for credit losses for the nine months ended September 30, 2025 was $44.7M, up from $10.3M in the prior year, including $27.4M related to the FLIC merger.
Total assets as of September 30, 2025 were $14.0B, loans receivable $11.3B, and total deposits $11.4B.
Outlook and guidance
Expect fourth quarter NIM at 3.25% or above, with potential to reach 3.40-3.50% by end of next year.
Loan growth expected to accelerate in Q4, with average loans increasing by more than 2% sequentially; 2026 loan growth could exceed 5%.
Operating expenses guidance: $55-56 million in Q4, $56-57 million per quarter in first half of 2026.
Effective tax rate for 2026 expected around 28%.
Profitability targets for 2026 remain at 1.2% ROA and 15% ROTCE, with potential to reach 1.3% ROA by year-end.
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Next ConnectOne Bancorp earnings date
Q4 202530 Jan, 2026
Next ConnectOne Bancorp earnings date
Q4 202530 Jan, 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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