Abstract

ConnectOne will post its quarterly results on January 29, 2026 Pre-Market; this preview summarizes revenue, margins, EPS, and segment dynamics alongside consensus expectations and recent institutional commentary gathered through January 22, 2026.

Market Forecast

For the current quarter, ConnectOne’s revenue is projected at USD 110.15 million, EPS at USD 0.73, and EBIT at USD 60.10 million, with year-over-year growth estimates of 72.29%, 68.65%, and 100.00%, respectively; no explicit gross profit margin forecast is available, and the company-level net profit margin forecast is not provided. The main business is community banking, where revenue is anticipated to be driven by loan growth and stable deposit mix, while the most promising segment remains community banking with USD 115.93 million last quarter and a revenue growth profile consistent with the broader franchise YoY trajectory.

Last Quarter Review

ConnectOne recorded last quarter revenue of USD 99.95 million, GAAP net profit attributable to the parent company of USD 40.98 million, net profit margin of 35.35%, and adjusted EPS of USD 0.70; the quarter-on-quarter change in net profit was 301.92%, while the last quarter’s gross profit margin was not disclosed. A notable highlight was EPS of USD 0.70 exceeding the prior forecast of USD 0.67, reflecting resilient operating performance. Main business momentum was centered on community banking, which delivered USD 115.93 million of revenue last quarter, supported by core lending and services; YoY data was not disclosed for segment revenue.

Current Quarter Outlook

Main Business: Community Banking Revenue Drivers

Community banking is expected to remain the primary revenue engine in the current quarter, anchored by loan growth, fee-based services, and disciplined cost control. The revenue projection of USD 110.15 million suggests robust activity despite a mixed rate environment, and the forecast EPS of USD 0.73 points to healthy earnings leverage through stable net interest income and balanced operating expenses. With last quarter’s net profit margin at 35.35%, management’s focus on asset quality and deposit stability should help preserve profitability, though the absence of a disclosed gross margin makes cross-period margin comparisons less precise. The estimateYoYGrowth of 72.29% for revenue and 68.65% for EPS underscores expected expansion versus the year-ago quarter, likely reflecting improved credit spreads and a normalized cost base, while maintaining credit discipline to avoid earnings volatility.

Most Promising Area: Core Lending and Deposit Franchise

The core lending portfolio and deposit franchise underpin both revenue and EPS forecasts, contributing to operating stability and margin resilience. The prior quarter’s USD 115.93 million community banking revenue indicates a large base that can convert into incremental earnings through measured loan growth and improved deposit mix, especially if funding costs stabilize. Management’s projected EBIT of USD 60.10 million, paired with EPS of USD 0.73, implies continued efficiency in balance sheet deployment and pricing strategy, while year-over-year forecast growth of 100.00% for EBIT highlights potential operating leverage. The sustainability of revenue growth hinges on maintaining asset quality and competitive deposit rates; given the company’s net profit margin of 35.35% last quarter, the franchise appears positioned to capture incremental spread improvements if credit conditions hold steady.

Stock Price Drivers: Earnings Quality, Net Interest Dynamics, and Credit Trends

The stock’s performance this quarter is likely to be influenced by the interplay between earnings quality, net interest dynamics, and credit trends. Earnings quality will be judged by the alignment of reported EPS and revenue with forecasts and by the consistency of net profit margins amid any changes in funding costs. Net interest income sensitivity to the rate environment could affect both top-line and EPS delivery; stabilization of deposit costs can support margins even as loan growth expands. Credit trends, including nonperforming asset movements and provisioning, will be scrutinized given last quarter’s net profit margin of 35.35%; any surprises in credit costs could shift the earnings trajectory and investor sentiment, making the reported credit metrics a focal point in the release.

Analyst Opinions

Institutional commentary collected indicates a majority bullish stance on ConnectOne’s upcoming quarter, emphasizing EPS resilience and revenue growth aligned with the USD 110.15 million and USD 0.73 projections. Analysts highlight that the estimateYoYGrowth of 72.29% for revenue and 68.65% for EPS signals a favorable comparative backdrop, with expectations that operating leverage will support EBIT near USD 60.10 million. The bullish view centers on the company’s ability to manage deposit costs and maintain credit discipline, with attention to the reported net profit margin of 35.35% last quarter as a proof point for earnings consistency. The prevailing expectation is that the community banking franchise structure will allow ConnectOne to deliver against consensus without relying on one-time factors, and the emphasis is on balanced growth rather than aggressive expansion.