What factors drove the changes in ConnectOne's revenue and profit?

What is the revenue and EPS growth rate for ConnectOne year over year?

What is ConnectOne's latest dividend and current dividend yield?

What guidance did ConnectOne's management provide for the next earnings period?

What is the market's earnings forecast for ConnectOne next quarter?

What is ConnectOne's gross profit margin?

What were the key takeaways from ConnectOne’s earnings call?

What were the key takeaways from ConnectOne's earnings call?

- **Merger Synergies Realized**: Seamless post-merger integration drives 4% annualized deposit growth and 3.11% NIM. 
- **Margin Expansion**: Q4 NIM target of 3.25%+, with 2026 outlook of 3.40%-3.50%. 
- **BoeFly Growth Engine**: 250+ franchise partnerships to fuel SBA gains, with 2026 noninterest income set to rise. 
- **Credit Resilience**: Nonperforming assets at 0.28%, with 2.5% of loans in rent-regulated sector (60% ring-fenced). 
- **2026 Targets**: ROA of 1.2%+, ROTCE of 15%, and 5%+ loan growth.

**【CEO Summary Section】**
- **Merger Integration Success**: Full post-merger integration achieved within 2 weeks, with seamless systems conversion and cultural alignment. 
- **Financial Momentum**: $465M in loan originations, core deposit growth, and loan-to-deposit ratio below 100%. 
- **Credit Strength**: Nonperforming assets at 0.28%, annualized net charge-offs below 0.20%, and 30-day delinquencies at 0.08%. 
- **Market Expansion**: Accelerated growth in Long Island, with a diversified pipeline in C&amp;I, CRE, and SBA lending.

**【CFO Financial Commentary】**
- **Net Interest Margin (NIM)**: Expanded to 3.11% (vs. 3.06% Q2, 2.67% YoY), with Q4 target of 3.25%+. 
- **One-Time Gains**: $6.6M ERTC recovery and $3.5M pension curtailment gain, boosting Q3 pretax income by $10M. 
- **Profitability Targets**: 2026 ROA of 1.2%+ and ROTCE of 15%, supported by 5%+ loan growth and margin expansion to 3.40%-3.50%. 
- **Capital Position**: Tangible book value up 5% since merger, with plans for dividend increases and share buybacks in 2026.

**【Q&A Key Highlights】**
- **Profitability Outlook**: CFO expects 2026 NIM of 3.40%-3.50% and ROA approaching 1.30%. 
- **Fed Policy Impact**: Eased deposit competition and yield curve steepening to support growth. 
- **BoeFly Growth**: 250+ franchise partnerships, with SBA gains expected to accelerate in 2026. 
- **Rent-Regulated Loans**: $700M exposure (2.5% of total loans), with 60% ring-fenced via 20% mark. 
- **Capital Allocation**: 2026 plans include dividend hikes and opportunistic buybacks, alongside disciplined organic growth.

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