ConnectOne Bancorp, Inc. Net Assets
ConnectOne Bancorp, Inc. net assets. Based on the latest financial reports, ConnectOne Bancorp, Inc. (CNOB) has net assets worth $1.63 Billion USD as of June 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($14.41 Billion) and total liabilities ($12.79 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Also explore CNOB year-over-year net asset growth to track the company's year-over-year net asset growth rate.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.63 Billion |
| % of Total Assets | 11.29% |
| Annual Growth Rate | 14.41% |
| 5-Year Change | 39.95% |
| 10-Year Change | 196.28% |
| Growth Volatility | 29.65 |
Net Assets of ConnectOne Bancorp, Inc. (1995–2025)
Net assets of ConnectOne Bancorp, Inc. from 1995 to 2025. This chart illustrates how ConnectOne Bancorp, Inc.'s net assets have evolved over time, based on quarterly financial data. See CNOB equity financing ratio to measure how much of total assets are equity-financed.
Annual Net Assets for ConnectOne Bancorp, Inc. (1995–2025)
The table below shows the annual net assets of ConnectOne Bancorp, Inc. from 1995 to 2025. For live market cap and overall valuation, see market cap of ConnectOne Bancorp, Inc..
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $1.57 Billion | +26.71% |
| 2024-12-31 | $1.24 Billion | +2.06% |
| 2023-12-31 | $1.22 Billion | +3.21% |
| 2022-12-31 | $1.18 Billion | +4.85% |
| 2021-12-31 | $1.12 Billion | +22.82% |
| 2020-12-31 | $915.31 Million | +25.18% |
| 2019-12-31 | $731.19 Million | +19.10% |
| 2018-12-31 | $613.93 Million | +8.58% |
| 2017-12-31 | $565.44 Million | +6.48% |
| 2016-12-31 | $531.03 Million | +11.25% |
| 2015-12-31 | $477.34 Million | +6.98% |
| 2014-12-31 | $446.22 Million | +164.69% |
| 2013-12-31 | $168.58 Million | +4.91% |
| 2012-12-31 | $160.69 Million | +18.23% |
| 2011-12-31 | $135.92 Million | +12.37% |
| 2010-12-31 | $120.96 Million | +17.95% |
| 2009-12-31 | $102.55 Million | +25.50% |
| 2008-12-31 | $81.71 Million | -4.18% |
| 2007-12-31 | $85.28 Million | -12.64% |
| 2006-12-31 | $97.61 Million | -1.89% |
| 2005-12-31 | $99.49 Million | +44.94% |
| 2004-12-31 | $68.64 Million | +26.69% |
| 2003-12-31 | $54.18 Million | +6.12% |
| 2002-12-31 | $51.05 Million | +15.26% |
| 2001-12-31 | $44.30 Million | +13.14% |
| 2000-12-31 | $39.15 Million | +7.23% |
| 1999-12-31 | $36.51 Million | -0.24% |
| 1998-12-31 | $36.60 Million | +9.58% |
| 1997-12-31 | $33.40 Million | +10.60% |
| 1996-12-31 | $30.20 Million | +9.03% |
| 1995-12-31 | $27.70 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to ConnectOne Bancorp, Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 3049.1% over the analyzed period, indicating profitable operations and earnings retention.
ConnectOne Bancorp, Inc. Net Assets Breakdown (December 2025)
ConnectOne Bancorp, Inc. net assets breakdown by equity component as of December 2025.
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $673.90 Million | 42.83% |
| Common Stock | $857.76 Million | 54.52% |
| Other Comprehensive Income | $-31.90 Million | -2.03% |
| Other Components | $73.57 Million | 4.68% |
| Total Equity | $1.57 Billion | 100.00% |
ConnectOne Bancorp, Inc. Competitors by Market Cap
The table below lists competitors of ConnectOne Bancorp, Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Turkiye Sigorta AS
IS:TURSG
|
$1.59 Billion |
|
Proto Labs Inc
NYSE:PRLB
|
$1.59 Billion |
|
Electrolux Professional AB (publ)
ST:EPRO-B
|
$1.59 Billion |
|
Reinsurance Group of America Inc
NYSE:RZB
|
$1.59 Billion |
|
Telecom Argentina
BA:TECO2
|
$1.59 Billion |
|
Costamare Inc
NYSE:CMRE
|
$1.59 Billion |
|
Omnicell Inc
NASDAQ:OMCL
|
$1.59 Billion |
|
BCO LATINOAMER.D.COM.EX.E
F:D8Q
|
$1.59 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in ConnectOne Bancorp, Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,241,704,000 to 1,573,340,000, a change of 331,636,000 (26.7%).
- Net income of 80,443,000 contributed positively to equity growth.
- Dividend payments of 37,992,000 reduced retained earnings.
- Share repurchases of 2,232,000 reduced equity.
- Other comprehensive income increased equity by 15,950,000.
- Other factors increased equity by 275,467,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $80.44 Million | +5.11% |
| Dividends Paid | $37.99 Million | -2.41% |
| Share Repurchases | $2.23 Million | -0.14% |
| Other Comprehensive Income | $15.95 Million | +1.01% |
| Other Changes | $275.47 Million | +17.51% |
| Total Change | $- | 26.71% |
Book Value vs Market Value Analysis
This analysis compares ConnectOne Bancorp, Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.06x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 11.20x to 1.06x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1995-12-31 | $2.96 | $33.13 | x |
| 1996-12-31 | $3.21 | $33.13 | x |
| 1997-12-31 | $3.51 | $33.13 | x |
| 1998-12-31 | $3.62 | $33.13 | x |
| 1999-12-31 | $3.76 | $33.13 | x |
| 2000-12-31 | $4.05 | $33.13 | x |
| 2001-12-31 | $4.37 | $33.13 | x |
| 2002-12-31 | $5.21 | $33.13 | x |
| 2003-12-31 | $5.20 | $33.13 | x |
| 2004-12-31 | $6.39 | $33.13 | x |
| 2005-12-31 | $7.82 | $33.13 | x |
| 2006-12-31 | $6.62 | $33.13 | x |
| 2007-12-31 | $6.16 | $33.13 | x |
| 2008-12-31 | $6.26 | $33.13 | x |
| 2009-12-31 | $7.66 | $33.13 | x |
| 2010-12-31 | $8.05 | $33.13 | x |
| 2011-12-31 | $8.33 | $33.13 | x |
| 2012-12-31 | $9.83 | $33.13 | x |
| 2013-12-31 | $10.29 | $33.13 | x |
| 2014-12-31 | $19.01 | $33.13 | x |
| 2015-12-31 | $15.76 | $33.13 | x |
| 2016-12-31 | $17.30 | $33.13 | x |
| 2017-12-31 | $17.54 | $33.13 | x |
| 2018-12-31 | $18.97 | $33.13 | x |
| 2019-12-31 | $20.72 | $33.13 | x |
| 2020-12-31 | $23.09 | $33.13 | x |
| 2021-12-31 | $27.77 | $33.13 | x |
| 2022-12-31 | $29.86 | $33.13 | x |
| 2023-12-31 | $31.23 | $33.13 | x |
| 2024-12-31 | $32.23 | $33.13 | x |
| 2025-12-31 | $31.21 | $33.13 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently ConnectOne Bancorp, Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 5.11%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 13.26%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 8.90x
- Recent ROE (5.11%) is below the historical average (9.39%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1995 | 14.44% | 17.78% | 0.06x | 12.56x | $1.23 Million |
| 1996 | 13.91% | 15.50% | 0.06x | 15.21x | $1.18 Million |
| 1997 | 13.47% | 14.14% | 0.07x | 14.16x | $1.16 Million |
| 1998 | 11.48% | 13.25% | 0.07x | 12.84x | $540.00K |
| 1999 | 12.68% | 13.95% | 0.07x | 13.96x | $977.70K |
| 2000 | 12.77% | 13.42% | 0.07x | 14.54x | $1.09 Million |
| 2001 | 13.57% | 14.71% | 0.06x | 15.57x | $1.58 Million |
| 2002 | 15.68% | 18.27% | 0.05x | 16.13x | $2.90 Million |
| 2003 | 11.85% | 16.39% | 0.04x | 17.01x | $1.00 Million |
| 2004 | 11.10% | 17.55% | 0.04x | 14.70x | $757.70K |
| 2005 | 7.69% | 14.07% | 0.05x | 11.21x | $-2.30 Million |
| 2006 | 3.99% | 7.22% | 0.05x | 10.77x | $-5.86 Million |
| 2007 | 4.52% | 6.82% | 0.06x | 11.93x | $-4.67 Million |
| 2008 | 7.15% | 11.12% | 0.05x | 12.52x | $-2.33 Million |
| 2009 | 3.68% | 6.85% | 0.05x | 11.67x | $-6.48 Million |
| 2010 | 5.79% | 13.68% | 0.04x | 9.98x | $-5.09 Million |
| 2011 | 10.25% | 23.44% | 0.04x | 10.54x | $334.40K |
| 2012 | 10.89% | 28.43% | 0.04x | 10.14x | $1.44 Million |
| 2013 | 11.82% | 31.08% | 0.04x | 9.92x | $3.07 Million |
| 2014 | 4.16% | 18.25% | 0.03x | 7.73x | $-26.06 Million |
| 2015 | 8.65% | 27.56% | 0.04x | 8.41x | $-6.42 Million |
| 2016 | 5.85% | 18.16% | 0.04x | 8.34x | $-22.02 Million |
| 2017 | 7.64% | 22.80% | 0.04x | 9.03x | $-13.32 Million |
| 2018 | 9.83% | 27.23% | 0.04x | 8.90x | $-1.04 Million |
| 2019 | 10.04% | 26.26% | 0.05x | 8.44x | $276.00K |
| 2020 | 7.79% | 22.10% | 0.04x | 8.25x | $-20.24 Million |
| 2021 | 11.60% | 41.15% | 0.04x | 7.23x | $17.93 Million |
| 2022 | 10.62% | 32.36% | 0.04x | 8.18x | $7.34 Million |
| 2023 | 7.15% | 17.26% | 0.05x | 8.10x | $-34.66 Million |
| 2024 | 5.94% | 13.80% | 0.05x | 7.96x | $-50.38 Million |
| 2025 | 5.11% | 13.26% | 0.04x | 8.90x | $-76.89 Million |
Industry Comparison
This section compares ConnectOne Bancorp, Inc.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $627,551,500
- Average return on equity (ROE) among peers: 7.01%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| ConnectOne Bancorp, Inc. (CNOB) | $1.63 Billion | 14.44% | 7.86x | $1.59 Billion |
| Ameris Bancorp (ABCB) | $239.36 Million | -1.64% | 9.06x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $68.20 Million | 10.85% | 9.15x | $5.65 Billion |
| ACNB Corporation (ACNB) | $110.02 Million | 9.35% | 8.91x | $645.30 Million |
| Affinity Bancshares Inc (AFBI) | $45.08 Million | 2.57% | 4.16x | $140.18 Million |
| Alerus Financial Corp (ALRS) | $359.40 Million | 14.66% | 8.44x | $829.34 Million |
| Amalgamated Bank (AMAL) | $344.07 Million | 1.78% | 10.75x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $753.45 Million | 5.71% | 10.20x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $166.38 Million | 13.18% | 10.80x | $724.09 Million |
| Associated Banc-Corp (ASB) | $4.09 Billion | 7.50% | 7.17x | $5.91 Billion |
| AmeriServ Financial Inc (ASRV) | $98.61 Million | 6.11% | 10.88x | $78.95 Million |
About ConnectOne Bancorp, Inc.
ConnectOne Bancorp, Inc. operates as the bank holding company for ConnectOne Bank that provides commercial banking products and services for small and mid-sized businesses, local professionals, and individuals in the United States. The company offers personal and business checking, money market, and time and savings accounts; credit cards, wire transfers, safe deposit boxes, automated teller serv… Read more