Financial Snapshot

Revenue
$518.8M
TTM
Gross Margin
Net Earnings
$71.19M
TTM
Current Assets
Current Liabilities
$15.25M
Q3 2024
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$1.239B
Q3 2024
Cash
Q3 2024
P/E
14.91
Nov 29, 2024 EST
Free Cash Flow
$51.78M
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Revenue $490.1M $373.7M $301.7M $308.2M $271.5M $57.27M $55.27M $51.93M
YoY Change 31.12% 23.86% -2.1% 13.52% 3.61% 6.44%

Expenses

Cost Of Revenues

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Revenue $490.1M $373.7M $301.7M $308.2M $271.5M $57.27M $55.27M $51.93M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

No data

Operating Profits/Loss

No data

Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $4.500M $3.900M $3.757M $4.244M $3.053M $3.062M $3.151M $3.500M $3.200M $2.000M $886.0K $914.0K $983.0K $1.200M $1.500M $1.800M $1.700M $1.900M $1.800M $1.600M $1.400M $1.300M $1.900M $1.500M $1.500M $1.400M $1.500M $1.100M $700.0K
YoY Change 15.38% 3.81% -11.48% 39.01% -0.29% -2.82% -9.97% 9.38% 60.0% 125.73% -3.06% -7.02% -18.08% -20.0% -16.67% 5.88% -10.53% 5.56% 12.5% 14.29% 7.69% -31.58% 26.67% 0.0% 7.14% -6.67% 36.36% 57.14% 0.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Interest Expense $235.0M $71.63M $38.86M $70.21M $85.17M $58.92M $36.26M $11.08M $11.78M $12.18M
YoY Change 228.03% 84.32% -44.65% -17.56% 44.55% 62.51% -5.89% -3.29%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Pretax Income $117.0M $171.2M $175.1M $90.39M $94.03M $71.13M $68.51M $42.90M $61.20M $27.40M $27.41M $25.18M $21.34M $7.200M $4.700M $7.400M $900.0K $600.0K $8.800M $9.200M $7.600M $11.70M $9.000M $7.400M $7.000M $6.300M $6.700M $5.800M $5.600M
YoY Change -31.69% -2.19% 93.67% -3.87% 32.18% 3.82% 59.71% -29.9% 123.36% -0.03% 8.83% 18.03% 196.35% 53.19% -36.49% 722.22% 50.0% -93.18% -4.35% 21.05% -35.04% 30.0% 21.62% 5.71% 11.11% -5.97% 15.52% 3.57% 0.0%
Income Tax $29.96M $46.01M $44.71M $19.10M $20.63M $10.78M $25.29M $11.80M $19.90M $8.800M $7.484M $7.677M $7.411M $200.0K $900.0K $1.600M -$2.900M -$3.300M $1.200M $1.600M $1.200M $3.700M $3.000M $2.400M $2.400M $2.100M $2.200M $1.600M $1.500M
% Of Pretax Income 25.61% 26.87% 25.54% 21.13% 21.94% 15.16% 36.92% 27.51% 32.52% 32.12% 27.3% 30.48% 34.73% 2.78% 19.15% 21.62% -322.22% -550.0% 13.64% 17.39% 15.79% 31.62% 33.33% 32.43% 34.29% 33.33% 32.84% 27.59% 26.79%
Net Earnings $87.00M $119.2M $130.4M $71.29M $73.40M $60.35M $43.22M $31.10M $41.30M $18.60M $19.93M $17.51M $13.93M $7.000M $3.800M $5.800M $3.900M $3.900M $7.600M $7.600M $6.400M $8.000M $6.000M $5.000M $4.600M $4.200M $4.500M $4.200M $4.000M
YoY Change -26.99% -8.58% 82.85% -2.87% 21.61% 39.64% 38.97% -24.7% 122.04% -6.65% 13.81% 25.71% 98.94% 84.21% -34.48% 48.72% 0.0% -48.68% 0.0% 18.75% -20.0% 33.33% 20.0% 8.7% 9.52% -6.67% 7.14% 5.0% -4.76%
Net Earnings / Revenue 17.75% 31.89% 43.2% 23.13% 27.03% 34.79% 31.67% 26.82%
Basic Earnings Per Share $2.08 $3.03 $3.24 $1.80 $2.08 $1.87 $1.35 $1.21 $1.05 $0.80
Diluted Earnings Per Share $2.07 $3.037M $3.22 $1.79 $2.07 $1.86 $1.34 $1.013M $1.363M $791.5K $1.21 $1.05 $0.80 $466.7K $283.6K $442.7K $282.6K $278.6K $598.4K $745.1K $646.5K $816.3K $618.6K $515.5K $474.2K $437.5K $473.7K $446.8K $425.5K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

No data

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

No data

Short-Term Debt

Long Term Debt Due

No data

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $42.79M $37.98M $40.00M $46.30M $34.40M $19.10M $21.70M $22.10M $22.30M $20.70M $13.70M $13.60M $12.30M $12.90M $17.90M $18.50M $17.40M $18.80M $18.30M $17.60M $15.60M $13.00M $11.70M $10.00M $9.800M $9.400M $9.100M $10.10M $7.500M
YoY Change 12.66% -5.05% -13.61% 34.59% 80.1% -11.98% -1.81% -0.9% 7.73% 51.09% 0.74% 10.57% -4.65% -27.93% -3.24% 6.32% -7.45% 2.73% 3.98% 12.82% 20.0% 11.11% 17.0% 2.04% 4.26% 3.3% -9.9% 34.67%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets $9.856B $9.645B $8.130B $7.547B $6.174B $5.462B $5.108B $4.426B $4.016B $3.449B $1.673B $1.630B $1.433B $1.207B $1.196B $1.023B $1.018B $1.051B $1.115B $1.009B $922.3M $823.4M $689.6M $569.6M $509.6M $470.1M $473.1M $459.2M $347.8M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $13.17M $11.40M $12.40M $18.00M $16.40M
YoY Change 15.57% -8.09% -31.11% 9.76%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $15.00M $15.00M $31.00M $31.00M $41.00M $69.90M $99.10M $83.10M $91.50M $97.40M $122.1M $101.4M $99.70M $75.40M $72.30M $51.30M $30.80M $12.60M $700.0K $0.00 $22.30M
YoY Change -100.0% 0.0% 0.0% -24.39% -41.34% -29.47% 19.25% -9.18% -6.06% -20.23% 20.41% 1.71% 32.23% 4.29% 40.94% 66.56% 144.44% 1700.0% -100.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $13.17M $11.40M $12.40M $18.00M $16.40M $15.00M $15.00M $31.00M $31.00M $41.00M $69.90M $99.10M $83.10M $91.50M $97.40M $122.1M $101.4M $99.70M $75.40M $72.30M $51.30M $30.80M $12.60M $700.0K $22.30M
YoY Change 15.57% -8.09% -31.11% 9.76% 0.0% 0.0% -24.39% -41.34% -29.47% 19.25% -9.18% -6.06% -20.23% 20.41% 1.71% 32.23% 4.29% 40.94% 66.56% 144.44% 1700.0%
Long-Term Debt $79.44M $153.3M $153.0M $202.6M $128.9M $128.6M $54.70M $54.50M $54.30M $5.200M $5.200M $5.200M $5.200M $5.200M $5.200M $5.200M $5.200M $5.200M $15.50M $15.50M $15.50M $10.00M $10.00M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -48.17% 0.17% -24.48% 57.18% 0.23% 135.1% 0.37% 0.37% 944.23% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% -66.45% 0.0% 0.0% 55.0% 0.0%
Other Long-Term Liabilities $76.59M $87.30M $38.80M $26.20M $29.70M $27.50M $23.10M $20.20M $21.70M $26.00M $11.30M $11.00M $9.300M $8.100M $5.600M $8.400M $10.00M $15.40M $5.300M $6.300M $5.000M $5.600M $5.200M $3.800M $3.100M $3.700M $3.000M $2.400M $2.100M
YoY Change -12.27% 125.0% 48.09% -11.78% 8.0% 19.05% 14.36% -6.91% -16.54% 130.09% 2.73% 18.28% 14.81% 44.64% -33.33% -16.0% -35.06% 190.57% -15.87% 26.0% -10.71% 7.69% 36.84% 22.58% -16.22% 23.33% 25.0% 14.29%
Total Long-Term Liabilities $156.0M $240.6M $191.8M $228.8M $158.6M $156.1M $77.80M $74.70M $76.00M $31.20M $16.50M $16.20M $14.50M $13.30M $10.80M $13.60M $15.20M $20.60M $20.80M $21.80M $20.50M $15.60M $15.20M $3.800M $3.100M $3.700M $3.000M $2.400M $2.100M
YoY Change -35.14% 25.42% -16.17% 44.26% 1.6% 100.64% 4.15% -1.71% 143.59% 89.09% 1.85% 11.72% 9.02% 23.15% -20.59% -10.53% -26.21% -0.96% -4.59% 6.34% 31.41% 2.63% 300.0% 22.58% -16.22% 23.33% 25.0% 14.29%
Total Liabilities $8.639B $8.466B $7.005B $6.632B $5.443B $4.848B $4.543B $3.895B $3.539B $3.002B $1.505B $1.469B $1.297B $1.086B $1.094B $941.6M $932.4M $953.8M $1.015B $940.4M $868.1M $772.4M $645.3M $530.4M $473.1M $433.5M $439.7M $429.0M $320.1M
YoY Change 2.04% 20.85% 5.63% 21.85% 12.26% 6.72% 16.63% 10.08% 17.86% 99.56% 2.41% 13.29% 19.37% -0.67% 16.15% 0.99% -2.24% -6.06% 7.96% 8.33% 12.39% 19.7% 21.66% 12.11% 9.13% -1.41% 2.49% 34.02%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Basic Shares Outstanding 38.81M 39.26M 39.63M 39.51M 16.35M shares 16.34M shares 16.30M shares
Diluted Shares Outstanding 38.96M 39.48M 39.89M 39.64M 16.39M shares 16.35M shares 16.31M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

No data

Stock Price

Market Cap: $1.0617 Billion

About ConnectOne Bancorp, Inc.

ConnectOne Bancorp, Inc. is a holding company, which engages in the provision of modern financial services. The company is headquartered in Englewd Clfs, New Jersey and currently employs 487 full-time employees. The company operates through its bank subsidiary, ConnectOne Bank. ConnectOne Bank is a commercial bank offering a full suite of deposit and loan products and services to the general public, primarily to small and mid-sized businesses, local professionals and individuals residing, working and conducting business in the New York Metropolitan area and the South Florida market served by its West Palm Beach office. Its products and services include personal and business checking accounts, money market accounts, time and savings accounts, credit cards, wire transfers, safe deposit boxes, access to automated teller services and telephone, Internet and mobile banking. The company also offers consumer and commercial business loans on a secured and unsecured basis, revolving lines of credit, commercial mortgage loans, and residential mortgages on both primary and secondary residences, home equity loans, bridge loans and other personal purpose loans.

Industry: State Commercial Banks Peers: Allegiance Bancshares, Inc. BROOKLINE BANCORP INC Origin Bancorp, Inc. PREMIER FINANCIAL CORP PATHWARD FINANCIAL, INC. HERITAGE FINANCIAL CORP /WA/ QCR HOLDINGS INC PNC FINANCIAL SERVICES GROUP, INC.