---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-25-032284"
form_type: "8-K"
ticker: "CNOB"
cik: "0000712771"
company_name: "ConnectOne Bancorp, Inc."
filed_at: "2025-10-30T23:59:59+00:00"
generated_at: "2026-05-17T01:28:35.991970+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# ConnectOne Q3 net income $39.5M ($0.78 EPS); NIM widens to 3.11%

## Summary
- Net income available to common stockholders $39.5M vs $(21.8)M in Q2 2025 and $15.7M in Q3 2024; diluted EPS $0.78.
- Net interest margin widened 5 bps sequentially to 3.11%; spot margin >3.20% at quarter-end.
- Nonperforming assets at 0.28% of total assets; annualized net charge-offs below 0.20%.
- Declares $0.18 per share common dividend, payable Dec 1, 2025, record Nov 14, 2025.
- First full quarter post-FLIC merger (completed June 1, 2025) shows operational benefits.

## SEC filing metadata
- accession: 0001437749-25-032284
- form_type: 8-K
- ticker: CNOB
- cik: 0000712771
- company_name: ConnectOne Bancorp, Inc.
- filed_at: 2025-10-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/712771/000143774925032284/0001437749-25-032284-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/712771/000143774925032284/cnob20250924_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-032284
- JSON: https://secwatch.observer/filing/0001437749-25-032284.json
- Plain text: https://secwatch.observer/filing/0001437749-25-032284.txt

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