---
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"
generated_at: "2026-05-16T06:42:03.315001+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/712771/000143774926002342/0001437749-26-002342-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/712771/000143774926002342/cnob20251106_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-002342
- JSON: https://secwatch.observer/filing/0001437749-26-002342.json
- Plain text: https://secwatch.observer/filing/0001437749-26-002342.txt

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