Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $31.1M | $43.2M | $60.4M | $73.4M | $71.3M | $130M | $125M | $87.0M | $73.8M | $80.4M |
| EPS (diluted) | $1.01 | $1.34 | $1.86 | $2.07 | $1.79 | $3.22 | $3.01 | $2.07 | $1.76 | $1.63 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $49.7M | $131M | $89.1M | $60.7M | $81.1M | $202M | $177M | $92.9M | $60.7M | $106M |
| Capital expenditures | $2.70M | $2.66M | $2.05M | $1.53M | $2.20M | $2.78M | $3.30M | $7.43M | $3.79M | $5.39M |
| Free cash flow | $47.0M | $128M | $87.0M | $59.2M | $78.9M | $199M | $173M | $85.5M | $56.9M | $101M |
| Share buybacks | — | $180K | — | — | $911K | $9.40M | $13.1M | $17.5M | $5.82M | $0.00 |
| Dividends paid | $9.07M | $9.61M | $9.66M | $12.2M | $14.3M | $17.5M | $23.4M | $25.9M | $27.3M | $32.0M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $200M | $150M | $172M | $201M | $304M | $266M | $268M | $243M | $356M | $381M |
| Total assets | $4.43B | $5.11B | $5.46B | $6.17B | $7.55B | $8.13B | $9.64B | $9.86B | $9.88B | $14.0B |
| Total liabilities | $3.90B | $4.54B | $4.85B | $5.44B | $6.63B | $7.01B | $8.47B | $8.64B | $8.64B | $12.4B |
| Long-term debt | $476M | $670M | $600M | $500M | — | — | — | — | — | — |
| Shareholders' equity | $531M | $565M | $614M | $731M | $915M | $1.12B | $1.18B | $1.22B | $1.24B | $1.57B |
| Retained earnings | $126M | $160M | $211M | $272M | $332M | $440M | $536M | $591M | $631M | $674M |
| Shares (wtd avg diluted) | 31.9M | 32.1M | 32.3M | 35.1M | 39.6M | 39.9M | 39.5M | 39.0M | 38.5M | 45.4M |
Every figure is extracted from ConnectOne Bancorp, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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