Demonstrações financeiras detalhadas de ConnectOne Bancorp, Inc. (CNOB): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
ConnectOne Bancorp, Inc. registou receitas de $606.5M no último exercício, com um CAGR de 5 anos de 13.5%. O lucro líquido atingiu $80.4M, com CAGR de 5 anos de 2.4%.
Margens dos últimos 12 meses: margem bruta 45.3%, margem operacional 18.1%, margem líquida 26.1%. O fluxo de caixa livre cresceu a CAGR de 5.1% em 5 anos.
Ao preço atual de $31.54, CNOB negocia a um P/L de 9.50 e um ROE de 10.11%. A capitalização de mercado é de $1.6B.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $171.2M | $189.5M | $221.6M | $279.5M | $322.6M | $316.8M | $387.0M | $504.1M | $534.6M | $606.5M |
| Custo da Receita | $69.8M | $42.3M | $80.0M | $93.3M | $111.2M | $33.4M | $89.4M | $243.2M | $284.4M | $338.6M |
| Lucro Bruto | $101.4M | $147.3M | $141.6M | $186.3M | $211.4M | $283.4M | $297.6M | $260.9M | $250.3M | $267.9M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $38.8M | $44.2M | $48.1M | $57.0M | $70.0M | $68.3M | $85.3M | $98.7M | $99.7M | $128.0M |
| Despesas Operacionais | $58.5M | $78.8M | $70.5M | $92.2M | $121.0M | $108.3M | $126.4M | $143.9M | $151.8M | $155.1M |
| Lucro Operacional | $42.9M | $68.5M | $71.1M | $94.0M | $90.4M | $175.1M | $171.2M | $117.0M | $98.5M | $112.7M |
| EBITDA | $46.4M | $72.4M | $74.8M | $98.5M | $97.2M | $180.8M | $176.8M | $122.9M | $104.1M | $126.8M |
| Despesas com Juros | $31.1M | $36.3M | $58.9M | $85.2M | $70.2M | $38.9M | $71.6M | $235.0M | $270.6M | $291.6M |
| Lucro Antes de Impostos | $42.9M | $68.5M | $71.1M | $94.0M | $90.4M | $175.1M | $171.2M | $117.0M | $98.5M | $112.7M |
| Imposto | $11.8M | $25.3M | $10.8M | $20.6M | $19.1M | $44.7M | $46.0M | $30.0M | $24.7M | $32.3M |
| Lucro Líquido | $31.1M | $43.2M | $60.4M | $73.4M | $71.3M | $130.4M | $125.2M | $87.0M | $73.8M | $80.4M |
| LPA | $1.02 | $1.35 | $1.88 | $2.08 | $1.80 | $3.24 | $3.03 | $2.07 | $1.77 | $1.48 |
| LPA Diluído | $1.01 | $1.34 | $1.87 | $2.07 | $1.79 | $3.22 | $3.01 | $2.07 | $1.76 | $1.48 |
| Ações em Circulação (Diluídas) | $30.7M | $32.2M | $32.4M | $35.3M | $39.6M | $40.5M | $39.5M | $39.0M | $38.5M | $50.4M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $207.1M | $188.8M | $186.9M | $29.4M |
| Lucro Bruto | $115.9M | $106.8M | $106.2M | -$51.4M |
| Lucro Operacional | $57.3M | $53.4M | $52.5M | -$52.5M |
| EBITDA | $62.3M | $58.4M | $57.2M | -$57.2M |
| Lucro Líquido | $41.0M | $39.5M | $37.8M | $41.7M |
| LPA | $1.07 | $0.76 | $0.75 | $0.80 |
| LPA Diluído | $0.91 | $0.75 | $0.75 | $0.80 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $200.4M | $149.6M | $172.4M | $201.5M | $303.8M | $265.5M | $268.3M | $242.7M | $356.5M | $92.4M |
| Investimentos de Curto Prazo | $353.3M | $435.3M | $412.0M | $404.7M | $488.0M | $534.5M | $634.9M | $617.2M | $4.2M | $1.25B |
| Contas a Receber | $13.0M | $15.5M | $18.2M | $20.9M | $35.3M | $34.2M | $46.1M | $49.1M | $45.5M | $11.36B |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $566.7M | $600.3M | $602.6M | $627.1M | $827.0M | $834.2M | $949.3M | $909.0M | $406.2M | $12.70B |
| Imobilizado | $22.1M | $21.7M | $19.1M | $34.4M | $46.3M | $40.0M | $38.0M | $42.8M | $42.9M | $84.9M |
| Ágio | $145.9M | $145.9M | $145.9M | $162.6M | $208.4M | $208.4M | $208.4M | $208.4M | $208.4M | $220.2M |
| Ativos Intangíveis | $3.1M | $2.4M | $1.7M | $5.5M | $11.0M | $9.0M | $7.3M | $5.9M | $4.6M | $59.9M |
| Ativos Totais | $4.43B | $5.11B | $5.46B | $6.17B | $7.55B | $8.13B | $9.64B | $9.86B | $9.88B | $14.00B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | 0 | 0 | $830.0M | $881.0M | $664.1M | $32.4M |
| Passivos Circulantes | $3.34B | $3.80B | $4.09B | $4.77B | $5.96B | $6.33B | $8.19B | $8.42B | $8.48B | $32.4M |
| Dívida de Longo Prazo | $530.8M | $724.8M | $728.6M | $629.2M | $628.6M | $621.1M | $180.9M | $132.0M | $107.5M | $1.11B |
| Passivos Totais | $3.90B | $4.54B | $4.85B | $5.44B | $6.63B | $7.01B | $8.47B | $8.64B | $8.64B | $12.43B |
| Reservas | $126.5M | $160.0M | $211.3M | $271.8M | $332.0M | $440.2M | $535.9M | $591.0M | $631.4M | $673.9M |
| Patrimônio Líquido | $531.0M | $565.4M | $613.9M | $731.2M | $915.3M | $1.12B | $1.18B | $1.22B | $1.24B | $1.57B |
| Dívida Total | $530.8M | $724.8M | $728.6M | $645.6M | $646.6M | $633.6M | $1.02B | $1.03B | $783.5M | $1.17B |
| Dívida Líquida | -$22.9M | $139.9M | $144.2M | $39.4M | -$145.1M | -$166.5M | $119.1M | $166.3M | $422.8M | -$173.1M |
| Capital de Giro | -$2.78B | -$3.19B | -$3.49B | -$4.14B | -$5.13B | -$5.50B | -$7.24B | -$7.51B | -$8.07B | $12.67B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $542.7M | $92.4M | $39.5M | $39.6M |
| Ativos Totais | $14.02B | $14.00B | $14.21B | $14.41B |
| Passivos Totais | $12.49B | $12.43B | $12.62B | $12.79B |
| Patrimônio Líquido | $1.54B | $1.57B | $1.59B | $1.63B |
| Dívida Total | $1.07B | $1.17B | $30.6M | $32.9M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $31.1M | $43.2M | $60.4M | $73.4M | $71.3M | $130.4M | $125.2M | $87.0M | $73.8M | $80.4M |
| Depreciação e Amortização | $3.5M | $3.9M | $3.7M | $4.5M | $6.8M | $5.7M | $5.5M | $5.9M | $5.7M | $14.0M |
| Compensação em Ações | $2.1M | $1.8M | $1.9M | $2.9M | $2.9M | $4.5M | $4.9M | $4.9M | $4.6M | $4.6M |
| Variação Capital de Giro | -$17.4M | $7.1M | $1.1M | -$24.4M | -$38.1M | $57.0M | $23.8M | -$19.9M | -$28.0M | -$4.9M |
| Fluxo de Caixa Operacional | $49.7M | $131.1M | $89.1M | $60.7M | $81.1M | $202.3M | $176.8M | $92.9M | $60.7M | $106.4M |
| CapEx | -$2.7M | -$2.7M | -$2.1M | -$1.5M | -$2.2M | -$2.8M | -$3.3M | -$7.4M | -$3.8M | -$5.4M |
| Aquisições | 0 | 0 | 0 | $11.2M | $87.4M | $974000 | 0 | 0 | 0 | $54.9M |
| Recompra de Ações | 0 | 0 | -$819000 | -$12.6M | -$1.6M | -$10.7M | -$15.3M | -$19.4M | -$7.2M | -$2.2M |
| Dividendos Pagos | -$9.1M | -$9.6M | -$9.7M | -$12.2M | -$14.3M | -$19.2M | -$29.5M | -$31.9M | -$33.3M | -$38.0M |
| Fluxo de Caixa Livre | $47.0M | $128.5M | $87.0M | $59.2M | $78.9M | $199.5M | $173.5M | $85.5M | $56.9M | $101.0M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $37.4M | $47.7M | $15.3M | $34.5M |
| CapEx | -$3.5M | -$594000 | -$1.3M | -$795000 |
| Fluxo de Caixa Livre | $33.9M | $47.1M | $14.0M | $33.7M |
| Dividendos Pagos | -$10.6M | -$10.6M | -$10.6M | -$11.3M |
| Compensação em Ações | $1.3M | $829000 | $1.4M | $1.4M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +10.7% | +16.9% | +26.1% | +15.4% | -1.8% | +22.2% | +30.3% | +6.1% | +13.4% |
| Crescimento Lucro Líquido (anual) | | +39.1% | +39.6% | +21.6% | -2.9% | +82.9% | -3.9% | -30.5% | -15.2% | +9.0% |
| Crescimento LPA (anual) | | +32.4% | +39.3% | +10.6% | -13.5% | +80.0% | -6.5% | -31.7% | -14.5% | -16.4% |
| Variação de Ações (anual) | | +5.0% | +0.4% | +9.1% | +12.3% | +2.1% | -2.5% | -1.3% | -1.1% | +30.9% |
| Crescimento FCF (anual) | | +173.3% | -32.3% | -32.0% | +33.4% | +152.8% | -13.0% | -50.7% | -33.4% | +77.5% |
| Margem Bruta | 59.2% | 77.7% | 63.9% | 66.6% | 65.5% | 89.5% | 76.9% | 51.8% | 46.8% | 44.2% |
| Margem Operacional | 25.0% | 36.1% | 32.1% | 33.6% | 28.0% | 55.3% | 44.2% | 23.2% | 18.4% | 18.6% |
| Margem EBITDA | 27.1% | 38.2% | 33.8% | 35.2% | 30.1% | 57.1% | 45.7% | 24.4% | 19.5% | 20.9% |
| Margem Líquida | 18.2% | 22.8% | 27.2% | 26.3% | 22.1% | 41.2% | 32.4% | 17.3% | 13.8% | 13.3% |
| Margem FCF | 27.5% | 67.8% | 39.3% | 21.2% | 24.5% | 63.0% | 44.8% | 17.0% | 10.6% | 16.7% |
| Taxa Efetiva de Imposto | 27.5% | 36.9% | 15.2% | 21.9% | 21.1% | 25.5% | 26.9% | 25.6% | 25.1% | 28.6% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $1.53 | $3.99 | $2.69 | $1.68 | $1.99 | $4.93 | $4.39 | $2.19 | $1.48 | $2.00 |
| Dividendo por Ação | $0.30 | $0.30 | $0.30 | $0.34 | $0.36 | $0.47 | $0.75 | $0.82 | $0.86 | $0.75 |
| Ações em Circulação (Básicas) | $30.4M | $31.9M | $32.1M | $35.2M | $39.5M | $40.2M | $39.3M | $38.9M | $38.3M | $50.4M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 10.11% |
| Retorno sobre capital investido | 0.60% |
| Retorno sobre ativos | 1.11% |
| Margem bruta | 45.32% |
| Margem operacional | 18.07% |
| Margem líquida | 26.13% |
Saúde financeira
| Dívida / Patrimônio | 0.02 |
| Liquidez corrente | 38.88 |
| Piotroski F-Score | 4 |
| Altman Z-Score | 1.29 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 25.44 | 19.07 | 9.82 | 12.37 | 10.99 | 10.10 | 7.99 | 11.07 | 12.94 | 17.72 |
| P/VP | 1.49 | 1.45 | 0.97 | 1.24 | 0.85 | 1.17 | 0.81 | 0.73 | 0.71 | 0.84 |
| P/V | 4.61 | 4.33 | 2.68 | 3.24 | 2.42 | 4.15 | 2.46 | 1.77 | 1.64 | 2.18 |
| Margem Bruta | 59.2% | 77.7% | 63.9% | 66.6% | 65.5% | 89.5% | 76.9% | 51.8% | 46.8% | 44.2% |
| Margem Operacional | 25.0% | 36.1% | 32.1% | 33.6% | 28.0% | 55.3% | 44.2% | 23.2% | 18.4% | 18.6% |
| Margem Líquida | 18.2% | 22.8% | 27.2% | 26.3% | 22.1% | 41.2% | 32.4% | 17.3% | 13.8% | 13.3% |