vs

Side-by-side financial comparison of ConnectOne Bancorp, Inc. (CNOB) and OneStream, Inc. (OS). Click either name above to swap in a different company.

OneStream, Inc. is the larger business by last-quarter revenue ($163.7M vs $115.6M, roughly 1.4× ConnectOne Bancorp, Inc.). ConnectOne Bancorp, Inc. runs the higher net margin — 32.7% vs 0.6%, a 32.1% gap on every dollar of revenue. Over the past eight quarters, ConnectOne Bancorp, Inc.'s revenue compounded faster (32.5% CAGR vs 21.8%).

Citizens Republic Bancorp was a bank holding company for Citizens Bank, headquartered in Flint, Michigan. It merged with FirstMerit Bank in June 2013. It operated 219 branches and 248 ATMs in Michigan, Wisconsin, and Ohio. FirstMerit merged with Huntington Bancshares in 2016.

Blue Stream provides cable television, cable telephone, DVR, and up to 1 GIG Internet speed broadband services to customers in the Florida communities of Coral Springs and Weston.

CNOB vs OS — Head-to-Head

Bigger by revenue
OS
OS
1.4× larger
OS
$163.7M
$115.6M
CNOB
Higher net margin
CNOB
CNOB
32.1% more per $
CNOB
32.7%
0.6%
OS
Faster 2-yr revenue CAGR
CNOB
CNOB
Annualised
CNOB
32.5%
21.8%
OS

Income Statement — Q1 FY2026 vs Q4 FY2025

Metric
CNOB
CNOB
OS
OS
Revenue
$115.6M
$163.7M
Net Profit
$37.8M
$999.0K
Gross Margin
69.8%
Operating Margin
-3.2%
Net Margin
32.7%
0.6%
Revenue YoY
23.6%
Net Profit YoY
86.8%
EPS (diluted)
$0.72

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
CNOB
CNOB
OS
OS
Q1 26
$115.6M
Q4 25
$112.6M
$163.7M
Q3 25
$121.4M
$154.3M
Q2 25
$84.1M
$147.6M
Q1 25
$70.2M
$136.3M
Q4 24
$68.5M
$132.5M
Q3 24
$65.6M
$129.1M
Q2 24
$65.8M
$117.5M
Net Profit
CNOB
CNOB
OS
OS
Q1 26
$37.8M
Q4 25
$999.0K
Q3 25
$41.0M
$-8.8M
Q2 25
$-20.3M
$-18.4M
Q1 25
$20.2M
$-24.0M
Q4 24
Q3 24
$17.2M
$-171.9M
Q2 24
$19.1M
$-7.8M
Gross Margin
CNOB
CNOB
OS
OS
Q1 26
Q4 25
69.8%
Q3 25
68.1%
Q2 25
68.6%
Q1 25
68.0%
Q4 24
66.8%
Q3 24
50.1%
Q2 24
68.5%
Operating Margin
CNOB
CNOB
OS
OS
Q1 26
Q4 25
47.4%
-3.2%
Q3 25
47.2%
-11.3%
Q2 25
-30.1%
-21.8%
Q1 25
39.0%
-29.3%
Q4 24
38.6%
-35.8%
Q3 24
35.3%
-197.6%
Q2 24
39.1%
-9.8%
Net Margin
CNOB
CNOB
OS
OS
Q1 26
32.7%
Q4 25
0.6%
Q3 25
33.7%
-5.7%
Q2 25
-24.1%
-12.5%
Q1 25
28.8%
-17.6%
Q4 24
Q3 24
26.2%
-133.1%
Q2 24
28.9%
-6.7%
EPS (diluted)
CNOB
CNOB
OS
OS
Q1 26
$0.72
Q4 25
$0.88
Q3 25
$0.78
Q2 25
$-0.52
Q1 25
$0.49
Q4 24
$0.48
Q3 24
$0.41
$-1.06
Q2 24
$0.46

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
CNOB
CNOB
OS
OS
Cash + ST InvestmentsLiquidity on hand
$344.5M
$693.6M
Total DebtLower is stronger
Stockholders' EquityBook value
$1.6B
$504.7M
Total Assets
$14.2B
$1.0B
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
CNOB
CNOB
OS
OS
Q1 26
$344.5M
Q4 25
$380.9M
$693.6M
Q3 25
$542.7M
$653.9M
Q2 25
$596.5M
$652.1M
Q1 25
$292.6M
$593.9M
Q4 24
$356.5M
$544.2M
Q3 24
$247.2M
$495.5M
Q2 24
$293.5M
$140.5M
Stockholders' Equity
CNOB
CNOB
OS
OS
Q1 26
$1.6B
Q4 25
$1.6B
$504.7M
Q3 25
$1.5B
$472.1M
Q2 25
$1.5B
$458.2M
Q1 25
$1.3B
$412.9M
Q4 24
$1.2B
$386.2M
Q3 24
$1.2B
$458.2M
Q2 24
$1.2B
$97.5M
Total Assets
CNOB
CNOB
OS
OS
Q1 26
$14.2B
Q4 25
$14.0B
$1.0B
Q3 25
$14.0B
$949.4M
Q2 25
$13.9B
$910.5M
Q1 25
$9.8B
$867.3M
Q4 24
$9.9B
$823.2M
Q3 24
$9.6B
$750.1M
Q2 24
$9.7B
$379.7M

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
CNOB
CNOB
OS
OS
Operating Cash FlowLast quarter
$25.8M
Free Cash FlowOCF − Capex
$25.6M
FCF MarginFCF / Revenue
15.7%
Capex IntensityCapex / Revenue
0.1%
Cash ConversionOCF / Net Profit
25.79×
TTM Free Cash FlowTrailing 4 quarters
$95.6M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
CNOB
CNOB
OS
OS
Q1 26
Q4 25
$106.4M
$25.8M
Q3 25
$37.4M
$5.0M
Q2 25
$6.5M
$29.7M
Q1 25
$14.9M
$36.2M
Q4 24
$60.7M
Q3 24
$-14.4M
$2.4M
Q2 24
$22.3M
$8.1M
Free Cash Flow
CNOB
CNOB
OS
OS
Q1 26
Q4 25
$101.0M
$25.6M
Q3 25
$33.9M
$4.8M
Q2 25
$6.4M
$29.4M
Q1 25
$14.6M
$35.8M
Q4 24
$56.9M
Q3 24
$-15.6M
$1.3M
Q2 24
$22.2M
$7.7M
FCF Margin
CNOB
CNOB
OS
OS
Q1 26
Q4 25
89.7%
15.7%
Q3 25
27.9%
3.1%
Q2 25
7.6%
19.9%
Q1 25
20.8%
26.3%
Q4 24
83.1%
Q3 24
-23.8%
1.0%
Q2 24
33.7%
6.6%
Capex Intensity
CNOB
CNOB
OS
OS
Q1 26
Q4 25
4.8%
0.1%
Q3 25
2.8%
0.1%
Q2 25
0.1%
0.2%
Q1 25
0.4%
0.3%
Q4 24
5.5%
Q3 24
1.9%
0.8%
Q2 24
0.2%
0.3%
Cash Conversion
CNOB
CNOB
OS
OS
Q1 26
Q4 25
25.79×
Q3 25
0.91×
Q2 25
Q1 25
0.74×
Q4 24
Q3 24
-0.84×
Q2 24
1.17×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

Revenue Breakdown by Segment

CNOB
CNOB

Net Interest Income$108.8M94%
Noninterest Income$6.8M6%

OS
OS

Subscription And Circulation$150.3M92%
Professional Services And Other$9.4M6%
License$4.0M2%

Related Comparisons