{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-002342","form_type":"8-K","ticker":"CNOB","cik":"0000712771","company_name":"ConnectOne Bancorp, Inc.","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.521949+00:00","generated_at":"2026-05-16T06:42:03.315001+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"ConnectOne Q4 net income $38M, EPS $0.75; margin up 16bps; plans 5 branch closures","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-002342","json":"https://secwatch.observer/filing/0001437749-26-002342.json","markdown":"https://secwatch.observer/filing/0001437749-26-002342.md","text":"https://secwatch.observer/filing/0001437749-26-002342.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/712771/000143774926002342/0001437749-26-002342-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/712771/000143774926002342/cnob20251106_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:42:03.315001+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}