---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-23-001834"
form_type: "8-K"
ticker: "CNOB"
cik: "0000712771"
company_name: "ConnectOne Bancorp, Inc."
filed_at: "2023-01-26T23:59:59+00:00"
generated_at: "2026-06-20T08:42:58.915909+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# ConnectOne Q4 EPS $0.79 flat YoY; full-year EPS $3.01; declares dividend

## Summary
- Q4 net income to common stockholders $31.0M ($0.79 diluted EPS), up from $27.4M ($0.70) Q3 2022, flat vs Q4 2021 EPS.
- Full-year 2022 net income to common stockholders $119.2M ($3.01 diluted EPS), down from $128.6M ($3.22) in 2021.
- NPA ratio fell to 0.46% from 0.61% sequentially; allowance for credit losses 203.6% of nonaccrual loans.
- Board declares Q1 2023 common dividend $0.155/share, payable Mar 1 to holders of record Feb 17; preferred dividend also declared.
- Tangible book value per share $21.71, up 7.9% YoY; tangible common equity ratio 9.04%.

## SEC filing metadata
- accession: 0001437749-23-001834
- form_type: 8-K
- ticker: CNOB
- cik: 0000712771
- company_name: ConnectOne Bancorp, Inc.
- filed_at: 2023-01-26T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/712771/000143774923001834/0001437749-23-001834-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/712771/000143774923001834/cnob20221109_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-23-001834
- JSON: https://secwatch.observer/filing/0001437749-23-001834.json
- Plain text: https://secwatch.observer/filing/0001437749-23-001834.txt

## Key facts
- Earnings Releases
  ConnectOne Bancorp, Inc. reported full-year 2022 results: net income $119.2 million, EPS $3.01.
  - Period: full-year 2022
  - Net income: $119.2 million
  - EPS: $3.01
  - Result: reported results
  source text: Full-year 2022 net income available to common stockholders was $119.2 million, compared to $128.6 million for 2021. Diluted earnings per share for the full-year 2022 was $3.01, compared with $3.22 for 2021.
  evidence_url: https://www.sec.gov/Archives/edgar/data/712771/000143774923001834/0001437749-23-001834-index.htm
- Earnings Releases
  ConnectOne Bancorp, Inc. reported fourth quarter of 2022 results: net income $31.0 million, EPS $0.79.
  - Period: fourth quarter of 2022
  - Net income: $31.0 million
  - EPS: $0.79
  - Result: reported results
  source text: ConnectOne Bancorp, Inc. (Nasdaq: CNOB) (the “Company” or “ConnectOne”), parent company of ConnectOne Bank (the “Bank”), today reported net income available to common stockholders of $31.0 million for the fourth quarter of 2022 compared with $27.4 million for the third quarter of 2022 and $31.3 million for the fourth quarter of 2021. Diluted earnings per share were $0.79 for the fourth quarter of 2022 compared with $0.70 in the third quarter of 2022 and $0.79 in the fourth quarter of 2021.
  evidence_url: https://www.sec.gov/Archives/edgar/data/712771/000143774923001834/0001437749-23-001834-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.