---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-24-002117"
form_type: "8-K"
ticker: "CNOB"
cik: "0000712771"
company_name: "ConnectOne Bancorp, Inc."
filed_at: "2024-01-25T23:59:59+00:00"
generated_at: "2026-06-06T18:44:52.934463+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# ConnectOne Q4 2023 EPS $0.46, down 42% YoY; net income $17.8M vs $31M

## Summary
- Diluted EPS $0.46 (Q4 2023) vs $0.79 (Q4 2022); net income $17.8M vs $31.0M.
- Net interest margin contracted 77 bps to 2.71% YoY; total deposits up $180M to $7.536B.
- Declared $0.17 common cash dividend payable March 1, 2024, record date Feb 15.
- Nonperforming assets at 0.53% of total assets; provision for credit losses $2.7M.
- Tangible book value per share $23.14, up from $21.71 YoY; repurchased 102K shares.

## SEC filing metadata
- accession: 0001437749-24-002117
- form_type: 8-K
- ticker: CNOB
- cik: 0000712771
- company_name: ConnectOne Bancorp, Inc.
- filed_at: 2024-01-25T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- 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/712771/000143774924002117/0001437749-24-002117-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/712771/000143774924002117/cnob20231113c_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-24-002117
- JSON: https://secwatch.observer/filing/0001437749-24-002117.json
- Plain text: https://secwatch.observer/filing/0001437749-24-002117.txt

## Key facts
- Earnings Releases
  ConnectOne Bancorp, Inc. reported fourth quarter of 2023 results: net income $17.8 million, EPS $0.46.
  - Period: fourth quarter of 2023
  - Net income: $17.8 million
  - EPS: $0.46
  - 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 $17.8 million for the fourth quarter of 2023 compared with $19.9 million for the third quarter of 2023 and $31.0 million for the fourth quarter of 2022. Diluted earnings per share were $0.46 for the fourth quarter of 2023 compared with $0.51 for the third quarter of 2023 and $0.79 for the fourth quarter of 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/712771/000143774924002117/0001437749-24-002117-index.htm
- Earnings Releases
  ConnectOne Bancorp, Inc. reported full-year 2023 results: net income $81.0 million, EPS $2.07.
  - Period: full-year 2023
  - Net income: $81.0 million
  - EPS: $2.07
  - Result: reported results
  source text: Full-year 2023 net income available to common stockholders was $81.0 million, compared to $119.2 million for 2022. Diluted earnings per share for the full-year 2023 was $2.07, compared with $3.01 for 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/712771/000143774924002117/0001437749-24-002117-index.htm

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