CNOBConnectOne Bancorp, Inc.
State Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- $187M net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear132% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear30% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear1% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $130M | $125M | $87M | $74M | $80M | 9.0% |
| Operating cash flow | $202M | $177M | $93M | $61M | $106M | 75% |
| Capex | $3M | $3M | $7M | $4M | $5M | 42% |
| Stock-based comp | $5M | $5M | $5M | $5M | $5M | 1.8% |
| Buybacks | $9M | $13M | $17M | $6M | $0 | 100% |
| Dividends | $17M | $23M | $26M | $27M | $32M | 17% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $225K · 1
- Net
- −$225K
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $4M | $5M | 90 | — |
| FY2024 | $4M | $4M | 129 | 154 |
| FY2023 | $4M | $3M | 98 | 125 |
| FY2022 | $4M | $3M | 100 | 113 |