Filing Flows › ConnectOne Bancorp (CNOB) › Q3 2026 › vs Q3 2025
ConnectOne Bancorp (CNOB) Q3 2026 vs Q3 2025 (year over year)
ConnectOne Bancorp's revenue fell $18.6M (-15%) from $121M in Q3 2025 to $103M in Q3 2026. Operating margin 41.3% against 47.2% (-5.9 pts).
ConnectOne Bancorp, Q3 2026: revenue $103M (-15% year over year), operating margin 41.3%, net earnings $31.4M, operating cash flow $85.4M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 41.3% | 47.2% | -5.9 pts |
| Net margin | 30.5% | 33.7% | -3.2 pts |
| Free cash flow margin | 82.6% | 27.9% | +54.7 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $103M | $121M | −$18.6M | -15% |
| Operating profit | $42.4M | $57.3M | −$14.8M | -26% |
| Costs & expenses | $60.4M | $64.2M | −$3.8M | -6% |
| Pre-tax earnings | $42.4M | $57.3M | −$14.8M | -26% |
| Credit loss provision | $5.0M | $5.5M | −$500K | -9% |
| Noninterest expense | $55.4M | $58.7M | −$3.3M | -6% |
| Net earnings | $31.4M | $41.0M | −$9.6M | -23% |
| Income tax | $11.0M | $16.3M | −$5.2M | -32% |
| Depreciation & amortization | $4.6M | $5.0M | −$486K | -10% |
| Share-based compensation | $1.6M | $1.3M | $336K | +26% |
| Working capital & other | $47.8M | −$10.0M | $57.8M | — |
| Operating cash flow | $85.4M | $37.4M | $48.1M | +129% |
| Free cash flow (OCF − capex) | $84.9M | $33.9M | $51.0M | +150% |
| Capital expenditures | $511K | $3.5M | −$2.9M | -85% |
Questions
How much did ConnectOne Bancorp's revenue grow year over year in Q3 2026?
ConnectOne Bancorp's revenue fell $18.6M (-15%) from $121M in Q3 2025 to $103M in Q3 2026. Operating margin 41.3% against 47.2% (-5.9 pts).