ConnectOne Bancorp, Inc. (CNOB) — Cash Flow Quality Index
ConnectOne Bancorp, Inc. (CNOB) has a Cash Flow Quality Index of 0.83x as of June 2026. Operating cash flow of $34.47 Million is below net income of $41.67 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore CNOB operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
ConnectOne Bancorp, Inc. Cash Flow Quality Index (1995–2025)
Historical Cash Flow Quality Index for ConnectOne Bancorp, Inc. across 31 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see cash flow conversion of ConnectOne Bancorp, Inc..
Annual Cash Flow Quality Index for ConnectOne Bancorp, Inc. (1995–2025)
Year-by-year earnings quality comparison for ConnectOne Bancorp, Inc..
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.32x | $106.40 Million | $80.44 Million | ▲ +60.8% |
| 2024 | 0.82x | $60.70 Million | $73.79 Million | ▼ -23.0% |
| 2023 | 1.07x | $92.89 Million | $87.00 Million | ▼ -24.4% |
| 2022 | 1.41x | $176.78 Million | $125.21 Million | ▼ -9.0% |
| 2021 | 1.55x | $202.27 Million | $130.35 Million | ▲ +36.4% |
| 2020 | 1.14x | $81.12 Million | $71.29 Million | ▲ +37.6% |
| 2019 | 0.83x | $60.69 Million | $73.39 Million | ▼ -44.0% |
| 2018 | 1.48x | $89.06 Million | $60.35 Million | ▼ -51.4% |
| 2017 | 3.03x | $131.13 Million | $43.22 Million | ▲ +89.7% |
| 2016 | 1.60x | $49.71 Million | $31.08 Million | ▲ +42.9% |
| 2015 | 1.12x | $46.23 Million | $41.31 Million | ▼ -17.5% |
| 2014 | 1.36x | $25.19 Million | $18.57 Million | ▲ +16.8% |
| 2013 | 1.16x | $23.15 Million | $19.93 Million | ▼ -3.4% |
| 2012 | 1.20x | $21.07 Million | $17.51 Million | ▼ -7.3% |
| 2011 | 1.30x | $18.08 Million | $13.93 Million | ▼ -48.5% |
| 2010 | 2.52x | $17.65 Million | $7.00 Million | ▲ +9.5% |
| 2009 | 2.30x | $8.68 Million | $3.77 Million | ▲ +2009.0% |
| 2008 | -0.12x | $-704.00K | $5.84 Million | ▼ -124.6% |
| 2007 | 0.49x | $1.89 Million | $3.86 Million | ▼ -65.6% |
| 2006 | 1.42x | $5.55 Million | $3.90 Million | ▲ +49.7% |
| 2005 | 0.95x | $7.27 Million | $7.65 Million | ▼ -28.8% |
| 2004 | 1.33x | $10.18 Million | $7.62 Million | ▼ -32.3% |
| 2003 | 1.97x | $12.66 Million | $6.42 Million | ▲ +49.9% |
| 2002 | 1.32x | $10.53 Million | $8.00 Million | ▼ -22.8% |
| 2001 | 1.70x | $10.25 Million | $6.01 Million | ▲ +16.8% |
| 2000 | 1.46x | $7.31 Million | $5.00 Million | ▲ +76.9% |
| 1999 | 0.83x | $3.82 Million | $4.63 Million | ▼ -50.5% |
| 1998 | 1.67x | $7.00 Million | $4.20 Million | ▼ -3.8% |
| 1997 | 1.73x | $7.80 Million | $4.50 Million | ▲ +2326.7% |
| 1996 | 0.07x | $300.00K | $4.20 Million | ▼ -95.9% |
| 1995 | 1.75x | $7.00 Million | $4.00 Million | — |