---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-24-031960"
form_type: "8-K"
ticker: "CNOB"
cik: "0000712771"
company_name: "ConnectOne Bancorp, Inc."
filed_at: "2024-10-24T23:59:59+00:00"
generated_at: "2026-05-30T10:44:35.419272+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# ConnectOne Q3 EPS $0.41 down from $0.51 YoY; merger with First of Long Island on track

## Summary
- Net income available to common stockholders $15.7M, down 10% from Q2 ($17.5M) and 21% from Q3 2023 ($19.9M).
- Diluted EPS $0.41 ($0.46 Q2 2024, $0.51 Q3 2023); operating diluted EPS $0.42.
- Net interest margin (FTE) 2.67%, down 5 bps QoQ; expects 10+ bps Q4 expansion from Fed cuts.
- Provision for credit losses $3.8M ($2.5M Q2); NPAs $51.3M (0.53% of assets); criticized loans 2.23%.
- Declared $0.18/sh common dividend payable Dec 2; merger integration with First of Long Island progressing.

## SEC filing metadata
- accession: 0001437749-24-031960
- form_type: 8-K
- ticker: CNOB
- cik: 0000712771
- company_name: ConnectOne Bancorp, Inc.
- filed_at: 2024-10-24T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/712771/000143774924031960/0001437749-24-031960-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/712771/000143774924031960/cnob20240806d_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-24-031960
- JSON: https://secwatch.observer/filing/0001437749-24-031960.json
- Plain text: https://secwatch.observer/filing/0001437749-24-031960.txt

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