Short answer
ConnectOne Bancorp, Inc. (CNOB) filed its Q3 2025 10-Q quarterly report on Nov 3, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $188M (up 44.1% year over year) with net income of $41M.
Q3 2025 key financials · XBRL
- Revenue
- $188M
- +44.1% YoY · +28.5% QoQ
- Net income
- $41M
- +138.8% YoY · +301.9% QoQ
- EPS (diluted)
- $0.91
- +122.0% YoY · +259.6% QoQ
Source: XBRL data from the ConnectOne Bancorp, Inc. (CNOB) Q3 2025 10-Q on SEC EDGAR. USD.
ConnectOne Bancorp, Inc. Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Revenue increase to $121.3M in Q3 2025 from $66.4M in Q3 2024, driven by $41.1M net interest and $14.7M noninterest income rises
- Operating margin improved with net interest margin 3.11% vs 2.67% YoY in Q3; net interest income up 67.2% YoY to $103.2M
- Best segment: Commercial real estate loans up $1.84B YoY to $7.72B (68.3% of loans); worst: increased noninterest expenses +$20.0M YoY in Q3 due to merger costs
- Cash position impacted by merger with FLIC; capital deployment increased noninterest expenses by $58.3M YTD including $33.2M merger costs
- Management cautious: elevated provision for credit losses $5.5M in Q3 2025 vs $3.8M prior year, with $27.4M initial provision from merger; tax rate rose to 28.2% in Q3
Risk Factors
- No new or changed critical accounting policy risks since 2024 10-K
- Carrying value of assets and income impact risks remain unchanged
- Continued reliance on management judgment and assumptions in accounting
- No updated regulatory, legal, operational, market, or financial risks disclosed in risk section
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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