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ConnectOne Bancorp (CNOB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 30, 2026 · ConnectOne Bancorp (CNOB) Q3 2026 earnings results →
Q3 2026 Revenue down 15% year over year to $103M · 31¢ of every $1 of revenue kept as net profit · operating margin 41.3%
ConnectOne Bancorp made $103M in Q3 2026 (-15% Y/Y). Operating margin 41.3%, net earnings $31.4M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 30, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $102.8M in Q3 2026, down 15% year over year and down 15% from the previous quarter.
Operating profit was $42.4M, a 41.3% margin (down 5.9 points year over year). Total costs fell 6% while revenue fell 15%. Net earnings were $31.4M, down 23% year over year. The effective tax rate was 26.0%.
Operating cash flow was $85.4M (up 129% year over year), 272% of net earnings. Non-cash charges added back $4.6M of depreciation and amortization and $1.6M of share-based compensation. Working capital and other items added $47.8M. Capital expenditures of $511K left free cash flow of $84.9M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 30, 2026 | $103M | -15% | 41.3% | $31.4M | $85.4M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About ConnectOne Bancorp
This report, in Item 1, Item 7 and elsewhere, includes forward-looking statements within the meaning of Sections 27A of the Securities Act of 1933, as amended, and 21E of the Securities Exchange Act of 1934, as amended, that involve inherent risks and uncertainties. These forward-looking statements concern the financial condition, results of operations, plans, objectives, future performance and business of ConnectOne Bancorp, Inc. and its subsidiaries, including statements preceded by, followed by or that include words or phrases such as “believes,” “expects,” “anticipates,” “plans,” “trend,” “objective,” “continue,” “remain,” “pattern” or similar expressions or future or conditional verbs such as “will,” “would,” “should,” “could,” “might,” “can,” “may” or similar expressions.
In its own words, from its 10-K, filed Feb 24, 2026.
ConnectOne Bancorp against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -15% against the peers' median +10%. Operating margin: 41.3% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CNOB ConnectOne Bancorp | Q3 2026 | $103M | -15% | 41.3% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: ConnectOne Bancorp 10-Q on SEC EDGAR · CIK 712771 · State Commercial Banks
Guidance and outlook
13F: who owns CNOB and who is buying
More on CNOB
History
Every quarter: Q3 2026 results