ConnectOne Q4 net income $38M, EPS $0.75; margin up 16bps; plans 5 branch closures

ConnectOne Bancorp, Inc.

2025-FY EPS reported $1.63

Q4 2025 net income available to common $38.0M ($0.75 diluted EPS) vs $18.9M ($0.49) a year ago.
Full-year 2025 net income $74.4M ($1.63 EPS) vs $67.8M ($1.76) in 2024.
Net interest margin expanded 16 bps to 3.27% in Q4; operating ROA 1.24%, ROTCE 14.27%.
Plans to close five retail branches in Q1 2026; $1.3M charge recorded in Q4 2025.
Declared $0.18/share common dividend and $0.328125/depositary share preferred dividend payable March 2, 2026.

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