Momentum investing revolves around the idea of following a stock's recent trend in either direction. In the 'long' context, investors will be essentially be "buying high, but hoping to sell even higher." With this methodology, taking advantage of trends in a stock's price is key; once a stock establishes a course, it is more than likely to continue moving that way. The goal is that once a stock heads down a fixed path, it will lead to timely and profitable trades.Even though momentum is a popular stock char ...

All investors love getting big returns from their portfolio, whether it's through stocks, bonds, ETFs, or other types of securities. However, when you're an income investor, your primary focus is generating consistent cash flow from each of your liquid investments.While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is the distribution of a company's earnings paid out to shareholders; it's often viewed by its dividend yiel ...

Prior to joining the bank, Schwartz served as a Partner at Windels Marx, where he specialized in advising financial institutions on mergers and acquisitions, and bank regulatory and securities law. Schwartz holds a J.D. from Fordham Law School and a B.A. from Fordham University. He is a member of both the New Jersey and New York Bar. About ConnectOne Bancorp, Inc. ENGLEWOOD CLIFFS, N.J., June 25, 2025 (GLOBE NEWSWIRE) -- ConnectOne Bancorp, Inc. (Nasdaq: CNOB) (the "Company" or "ConnectOne"), parent company ...

ENGLEWOOD CLIFFS, N.J., June 02, 2025 (GLOBE NEWSWIRE) -- ConnectOne Bancorp, Inc. (Nasdaq: CNOB) (the “Company” or “ConnectOne”), parent company of ConnectOne Bank (the “Bank”), today announced the completion of its previously announced merger with The First of Long Island Corporation (Nasdaq: FLIC) (“First of Long Island”), parent company of The First National Bank of Long Island. With the completion of the transaction, the combined company is operating under the ConnectOne brand, with approximately $14 b ...

Table of Contents UNITED STATES OF AMERICA SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 000-11486 844-266-2548 (Registrant's Telephone Number, Including Area Code) Securities registered purs ...

Whether it's through stocks, bonds, ETFs, or other types of securities, all investors love seeing their portfolios score big returns. But when you're an income investor, your primary focus is generating consistent cash flow from each of your liquid investments.Cash flow can come from bond interest, interest from other types of investments, and of course, dividends. A dividend is that coveted distribution of a company's earnings paid out to shareholders, and investors often view it by its dividend yield, a m ...

财务数据和关键指标变化 - 一季度净收入同比增长近20% [8] - 净息差扩大至2.93%，预计二季度达到3% [17][23] - 有形账面价值每股自交易宣布以来增长约4%，过去一年增长4%至24.16% [8][21] - 贷款与存款比率降至106%以下 [19] - 公司有形普通股权益比率为9.73%，银行杠杆比率为11.67% [20] - 商业房地产集中度从一年前的460%降至420%，目标是2026年降至400%以下 [21] - 非应计贷款本季度下降13% [22] - 30 - 89天逾期率为0.18%，受批评和分类贷款从2.68%略升至2.79% [22] 各条业务线数据和关键指标变化 - 贷款组合一季度略有收缩，主要因商业房地产领域还款活动增加，但贷款管道强劲，预计二季度贷款增长至少2.5% [10][18] - 即期活期存款余额自去年底下降，但平均活期存款环比增加，因去年底临时客户流入 [10] 各个市场数据和关键指标变化 未提及 公司战略和发展方向和行业竞争 - 公司致力于以客户为中心的文化和关系型银行模式，支持客户是首要任务 [11] - 计划与第一长岛银行合并，交易预计二季度完成，整合规划工作进展顺利，已出现早期协同效应 [11][14] - 利用南佛罗里达业务支持第一长岛银行在佛罗里达有业务的客户，拓展长岛新业务 [13] 管理层对经营环境和未来前景的评论 - 尽管经济环境存在不确定性，但公司有应对市场不确定性的经验，对业务战略和执行能力有信心 [14] - 多数客户受关税政策影响范围较窄，不具普遍性 [15] - 合并后公司将增强财务表现，打造纽约都会区一流银行，为投资者提供有吸引力的机会 [27] 其他重要信息 - 会议中可能包含前瞻性陈述，受风险和不确定性影响，实际结果可能与预期有重大差异 [4] - 部分术语为非GAAP财务指标，相关调整在公司收益报告及附表中提供 [5] 问答环节所有提问和回答 问题：客户对经济不确定性的反应 - 公司与部分客户交流，多数行业和公司未出现重大变化，建筑行业可能受原材料价格影响，但整体影响不显著，且客户已在寻求解决方案 [34][37] 问题：第一长岛银行合并成本节约情况及应对宏观环境恶化的措施 - 第一长岛银行是优质机构，合并将带来收入协同效应和费用杠杆优势 [40][41] - 预计净息差有增长动力，交易增值可能增加5 - 15个基点，即使增长放缓也可通过息差弥补 [43] - 总成本节约约2400万美元，可能会延长实现时间至交易完成后一年 [44] 问题：信贷关注领域及未来积极变化 - 信贷质量稳定，逾期率处于历史极低水平，目前无重组贷款管道 [51] 问题：未来12个月固定利率贷款和存款的重新定价机会 - 自2月以来近10亿美元贷款已重新定价，信用质量良好，未来至2026年约有10亿美元贷款将重新定价，公司将持续监控 [53][54] 问题：净息差扩大的驱动因素及贷款收益率走势 - 未来六个月约10亿美元定期存单重新定价有助于降低资金成本，美联储降息将进一步降低存款成本 [56] - 大部分贷款为可调利率，贷款收益率可能上升，与存款成本下降共同推动息差扩大 [56] 问题：贷款增长现状及全年预期 - 目前贷款增长有一定放缓，但只是暂时停顿，纽约都会区市场活跃，支持公司全年实现中高个位数增长 [62][63] - 二季度预计贷款环比增长2.5%，全年预计较12月31日增长约5% [66][68] 问题：与监管机构的沟通情况 - 公司与监管机构保持良好关系，监管审查工作按常规进行，未发现监管方向、重点或关注问题有变化 [73][75] 问题：近期费用增长预期 - 本季度已实现约50万美元成本节约，独立运营情况下费用年增长率在4 - 5%，合并后费用情况需综合计算 [83][84] 问题：贷款管道中的增量贷款收益率和利差情况 - 贷款管道利率为7.25%，上季度新增贷款利率约7.40%，利差在2.50% - 3.00%之间 [90] - 利差受经济状况和竞争影响，不同市场领域表现不同，建筑贷款、CRA相关贷款、多户住宅贷款利差较宽，C&I部分业务利差缺乏竞争力 [90][93] 问题：交易完成时间及资金池情况 - 预计交易将在二季度完成，需获得监管批准 [96] 问题：债务融资及资本补充情况 - 公司坚持发行次级债务，预计在交易完成前进行，目前市场对银行次级债务需求旺盛，定价有所下降 [98][99]

ConnectOne Bancorp (CNOB) Q1 2025 Earnings Call April 24, 2025 10:00 AM ET Company Participants Siya Vansia - Chief Brand and Innovation OfficerFrank Sorrentino - Chairman and Chief Executive OfficerWilliam Burns - Senior EVP & CFOTim Switzer - Vice PresidentFeddie Strickland - DirectorDaniel Tamayo - Vice President Conference Call Participants Matt Breese - Managing Director & Research Analyst Operator Thank you for standing by. My name is Kate, and I will be your conference operator today. At this time, I ...

Exhibit 99.1 CONNECTONE BANCORP, INC. REPORTS FIRST QUARTER 2025 RESULTS; DECLARES COMMON AND PREFERRED DIVIDENDS Englewood Cliffs, N.J., April 24, 2025 (GLOBE NEWSWIRE) – ConnectOne Bancorp, Inc. (Nasdaq: CNOB) (the "Company" or "ConnectOne"), parent company of ConnectOne Bank (the "Bank"), today reported net income available to common stockholders of $18.7 million for the first quarter of 2025 compared with $18.9 million for the fourth quarter of 2024 and $15.7 million for the first quarter of 2024. Dilut ...

文章核心观点 公司计划于2025年4月24日美股开盘前发布2025年第一季度财报，并于同日上午10点举办电话会议和网络直播，回顾财务和运营情况 [1] 财报发布与会议安排 - 公司计划于2025年4月24日美股开盘前发布截至2025年3月31日的第一季度财报 [1] - 管理层将于2025年4月24日上午10点举办电话会议和网络直播，回顾公司财务和运营情况 [1] - 电话会议由董事长兼首席执行官Frank Sorrentino III和高级执行副总裁兼首席财务官William S. Burns主持 [2] - 电话会议拨入号码为1 (646) 307 - 1963，接入码为5043609，需提前至少五分钟拨入注册 [2] - 网络直播可通过公司网站“投资者关系”链接收听，网址为https://www.ConnectOneBank.com 或 http://ir.connectonebank.com [2] 会议回放信息 - 电话会议回放从2025年4月24日下午1点开始至5月1日结束，拨入号码为1 (609) 800 - 9909，接入码为5043609 [3] - 网络直播存档在会议结束后可在https://www.ConnectOneBank.com 或 http://ir.connectonebank.com 查看 [3] 公司简介 - 公司是一家现代金融服务公司，通过子公司ConnectOne Bank及其金融科技子公司BoeFly, Inc.开展业务 [4] - ConnectOne Bank是一家业绩出色的商业银行，为中小企业提供全套银行和贷款产品及服务 [4] - BoeFly, Inc.是一个金融科技市场，通过合作银行网络为特许经营领域的借款人提供融资解决方案 [4] - 公司在纳斯达克全球市场交易，股票代码为“CNOB” [4] 联系方式 - 投资者联系人为William S. Burns，电话201.816.4474，邮箱bburns@cnob.com [5] - 媒体联系人为Shannan Weeks，电话732.299.7890，邮箱sweeks@mww.com [5]