ConnectOne Bancorp Inc Reports Strong Fourth‑Quarter and Full‑Year 2025 Results

ConnectOne Bancorp Inc. (NASDAQ: COI), a community‑based, full‑service commercial bank holding company, released its fourth‑quarter and full‑year 2025 financial results on January 29, 2026. The bank, which specializes in real‑estate, construction, business loans, and deposit accounts, confirmed that its performance for the year outpaced expectations across several key metrics.

Q4 2025 Highlights

  • GAAP earnings per share (EPS) reached $0.75, surpassing the consensus estimate of $0.722 put forward by five analysts.
  • Total revenue for the quarter was $110.3 million, a decline of about 12.6 % versus the $131.8 million reported in the same period a year earlier, aligning with analysts’ forecast of a revenue dip to $115.2 million.
  • The earnings announcement came after a brief preview on January 28, 2026, where analysts anticipated a modest year‑over‑year shrinkage in both EPS and revenue.

Full‑Year 2025 Performance

  • Annual GAAP EPS stood at $1.52, slightly below the $1.76 recorded in the 2024 fiscal year but in line with the $1.52 forecast by analysts.
  • Year‑end revenue of $380.5 million was reported, markedly lower than the $534.6 million earned in 2024, reflecting the broader contraction in the bank’s loan and deposit markets.

Market Context

  • The company’s market capitalization is approximately $1.4 billion.
  • As of January 27, 2026, the share price closed at $27.85, trailing its 52‑week high of $29.28 and remaining above the 52‑week low of $20.61.
  • With a price‑to‑earnings ratio of 14.99, ConnectOne sits comfortably within the range typical for community banks that prioritize stable, long‑term growth.

Strategic Implications

ConnectOne’s earnings report underscores a resilient core business that continues to generate substantial income from its commercial loan portfolio. The modest decline in revenue and EPS reflects industry‑wide pressures, including tighter credit conditions and increased regulatory costs. Nevertheless, the bank’s ability to maintain profitability and deliver dividends to shareholders demonstrates a sound management strategy focused on risk‑adjusted returns.

Investors will likely view the results as a positive sign of the bank’s operational strength, even as the broader financial sector remains cautious. The company’s continued emphasis on community‑based lending, combined with its diversified revenue streams, positions it well to navigate the next fiscal cycle.