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    ConnectOne Bancorp (CNOB) Balances Rising Net Interest Income And Charge-Offs What Does The Dividend Signal?

    Simply Wall St·02/07/2026 05:07:03
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    • In late January 2026, ConnectOne Bancorp reported past fourth-quarter and full-year 2025 results, with net interest income rising to US$106.6 million for the quarter and US$353.25 million for the year, alongside higher net loan charge-offs of US$4.78 million.
    • The bank also grew annual net income to US$80.44 million while basic earnings per share from continuing operations edged lower, and it affirmed cash dividends on both common and preferred stock.
    • We’ll now look at how the stronger quarterly net interest income and continued dividends shape ConnectOne Bancorp’s broader investment narrative.

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    What Is ConnectOne Bancorp's Investment Narrative?

    To own ConnectOne Bancorp, you need to be comfortable with a regional bank that is leaning on a growing net interest income base while accepting some lumpiness in credit costs and earnings quality. The latest Q4 and full-year 2025 numbers reinforce that trade-off: net interest income moved higher again, dividends on both common and preferred stock were maintained, but net loan charge-offs ticked up and full-year EPS was slightly lower than 2024 despite higher net income, partly due to one-off items and prior dilution. For near term catalysts, the stronger quarterly income and ongoing dividend support the existing bullish revenue and earnings forecasts that were in place before this update, so the headline story does not materially change. The bigger question now is whether the higher charge-offs and still modest return on equity start to reshape how investors view the risk side of that growth story.

    However, rising charge-offs and low returns are pressure points investors should not ignore. ConnectOne Bancorp's shares have been on the rise but are still potentially undervalued. Find out how large the opportunity might be.

    Exploring Other Perspectives

    CNOB 1-Year Stock Price Chart
    CNOB 1-Year Stock Price Chart
    Two Simply Wall St Community fair values span roughly US$31.70 to US$66.66, showing how far apart private investors can be. Set that against rising charge-offs and modest returns, and you can see why it pays to weigh several viewpoints before deciding how ConnectOne’s story fits your portfolio.

    Explore 2 other fair value estimates on ConnectOne Bancorp - why the stock might be worth over 2x more than the current price!

    Build Your Own ConnectOne Bancorp Narrative

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    This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.