CONNECTONE BANCORP INC (CNOB) Fundamental Analysis & Valuation

NASDAQ:CNOB • US20786W1071

Current stock price

28 USD
-0.4 (-1.41%)
Last:

This CNOB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. CNOB Profitability Analysis

1.1 Basic Checks

  • In the past year CNOB was profitable.
  • CNOB had a positive operating cash flow in the past year.
  • In the past 5 years CNOB has always been profitable.
  • Each year in the past 5 years CNOB had a positive operating cash flow.
CNOB Yearly Net Income VS EBIT VS OCF VS FCFCNOB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

1.2 Ratios

  • CNOB's Return On Assets of 0.53% is on the low side compared to the rest of the industry. CNOB is outperformed by 82.23% of its industry peers.
  • With a Return On Equity value of 4.72%, CNOB is not doing good in the industry: 84.08% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.53%
ROE 4.72%
ROIC N/A
ROA(3y)0.68%
ROA(5y)0.97%
ROE(3y)5.6%
ROE(5y)7.66%
ROIC(3y)N/A
ROIC(5y)N/A
CNOB Yearly ROA, ROE, ROICCNOB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • CNOB has a worse Profit Margin (19.12%) than 74.80% of its industry peers.
  • In the last couple of years the Profit Margin of CNOB has declined.
  • The Operating Margin and Gross Margin are not available for CNOB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 19.12%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.33%
PM growth 5Y-7.41%
GM growth 3YN/A
GM growth 5YN/A
CNOB Yearly Profit, Operating, Gross MarginsCNOB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. CNOB Health Analysis

2.1 Basic Checks

  • CNOB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, CNOB has more shares outstanding
  • CNOB has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for CNOB is higher compared to a year ago.
CNOB Yearly Shares OutstandingCNOB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
CNOB Yearly Total Debt VS Total AssetsCNOB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B

2.2 Solvency

  • CNOB has a debt to FCF ratio of 2.00. This is a very positive value and a sign of high solvency as it would only need 2.00 years to pay back of all of its debts.
  • CNOB has a Debt to FCF ratio of 2.00. This is comparable to the rest of the industry: CNOB outperforms 47.48% of its industry peers.
  • CNOB has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
  • CNOB has a Debt to Equity ratio (0.13) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 2
Altman-Z N/A
ROIC/WACCN/A
WACC14.38%
CNOB Yearly LT Debt VS Equity VS FCFCNOB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CNOB Yearly Current Assets VS Current LiabilitesCNOB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. CNOB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 42.31% over the past year.
  • CNOB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.09% yearly.
  • The Revenue has grown by 47.05% in the past year. This is a very strong growth!
  • The Revenue has been growing by 9.00% on average over the past years. This is quite good.
EPS 1Y (TTM)42.31%
EPS 3Y-4.99%
EPS 5Y4.09%
EPS Q2Q%59.62%
Revenue 1Y (TTM)47.05%
Revenue growth 3Y7.19%
Revenue growth 5Y9%
Sales Q2Q%64.72%

3.2 Future

  • The Earnings Per Share is expected to grow by 18.57% on average over the next years. This is quite good.
  • CNOB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.02% yearly.
EPS Next Y25.73%
EPS Next 2Y18.57%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year29.84%
Revenue Next 2Y18.02%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
CNOB Yearly Revenue VS EstimatesCNOB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M 500M
CNOB Yearly EPS VS EstimatesCNOB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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Find the best growth stocksShow best growing peers

6

4. CNOB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.81 indicates a reasonable valuation of CNOB.
  • CNOB's Price/Earnings ratio is a bit cheaper when compared to the industry. CNOB is cheaper than 72.15% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.38, CNOB is valued rather cheaply.
  • CNOB is valuated reasonably with a Price/Forward Earnings ratio of 8.60.
  • CNOB's Price/Forward Earnings ratio is rather cheap when compared to the industry. CNOB is cheaper than 86.21% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 38.20. CNOB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.81
Fwd PE 8.6
CNOB Price Earnings VS Forward Price EarningsCNOB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CNOB is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 13.93
EV/EBITDA N/A
CNOB Per share dataCNOB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as CNOB's earnings are expected to grow with 18.57% in the coming years.
PEG (NY)0.42
PEG (5Y)2.65
EPS Next 2Y18.57%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. CNOB Dividend Analysis

5.1 Amount

  • CNOB has a Yearly Dividend Yield of 2.55%. Purely for dividend investing, there may be better candidates out there.
  • CNOB's Dividend Yield is comparable with the industry average which is at 2.53.
  • Compared to an average S&P500 Dividend Yield of 1.82, CNOB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.55%

5.2 History

  • On average, the dividend of CNOB grows each year by 17.56%, which is quite nice.
  • CNOB has been paying a dividend for at least 10 years, so it has a reliable track record.
  • CNOB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)17.56%
Div Incr Years7
Div Non Decr Years15
CNOB Yearly Dividends per shareCNOB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • CNOB pays out 51.18% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of CNOB is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP51.18%
EPS Next 2Y18.57%
EPS Next 3YN/A
CNOB Yearly Income VS Free CF VS DividendCNOB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
CNOB Dividend Payout.CNOB Dividend Payout, showing the Payout Ratio.CNOB Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

CNOB Fundamentals: All Metrics, Ratios and Statistics

CONNECTONE BANCORP INC

NASDAQ:CNOB (4/16/2026, 12:54:20 PM)

28

-0.4 (-1.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-23
Inst Owners75.48%
Inst Owner Change0%
Ins Owners3.48%
Ins Owner Change1.97%
Market Cap1.41B
Revenue(TTM)388.32M
Net Income(TTM)74.23M
Analysts85.45
Price Target31.93 (14.04%)
Short Float %4.34%
Short Ratio5.96
Dividend
Industry RankSector Rank
Dividend Yield 2.55%
Yearly Dividend0.86
Dividend Growth(5Y)17.56%
DP51.18%
Div Incr Years7
Div Non Decr Years15
Ex-Date02-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.89%
Min EPS beat(2)2.01%
Max EPS beat(2)11.78%
EPS beat(4)3
Avg EPS beat(4)5.31%
Min EPS beat(4)-1.24%
Max EPS beat(4)11.78%
EPS beat(8)5
Avg EPS beat(8)5.06%
EPS beat(12)8
Avg EPS beat(12)2.84%
EPS beat(16)9
Avg EPS beat(16)0.85%
Revenue beat(2)0
Avg Revenue beat(2)-7.14%
Min Revenue beat(2)-9.25%
Max Revenue beat(2)-5.03%
Revenue beat(4)1
Avg Revenue beat(4)-3.91%
Min Revenue beat(4)-9.25%
Max Revenue beat(4)3.36%
Revenue beat(8)1
Avg Revenue beat(8)-3.56%
Revenue beat(12)1
Avg Revenue beat(12)-4.16%
Revenue beat(16)4
Avg Revenue beat(16)-2.41%
PT rev (1m)-1.26%
PT rev (3m)3.64%
EPS NQ rev (1m)0.55%
EPS NQ rev (3m)-3.26%
EPS NY rev (1m)-0.75%
EPS NY rev (3m)-1.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.04%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.93%
Valuation
Industry RankSector Rank
PE 10.81
Fwd PE 8.6
P/S 3.62
P/FCF 13.93
P/OCF 13.23
P/B 0.89
P/tB 1.09
EV/EBITDA N/A
EPS(TTM)2.59
EY9.25%
EPS(NY)3.26
Fwd EY11.63%
FCF(TTM)2.01
FCFY7.18%
OCF(TTM)2.12
OCFY7.56%
SpS7.72
BVpS31.3
TBVpS25.72
PEG (NY)0.42
PEG (5Y)2.65
Graham Number42.7069 (52.52%)
Profitability
Industry RankSector Rank
ROA 0.53%
ROE 4.72%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.12%
GM N/A
FCFM 26.01%
ROA(3y)0.68%
ROA(5y)0.97%
ROE(3y)5.6%
ROE(5y)7.66%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.33%
PM growth 5Y-7.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 2
Debt/EBITDA N/A
Cap/Depr 38.47%
Cap/Sales 1.39%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 136.07%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC14.38%
ROIC/WACCN/A
Cap/Depr(3y)76.88%
Cap/Depr(5y)67.57%
Cap/Sales(3y)1.86%
Cap/Sales(5y)1.53%
Profit Quality(3y)108.71%
Profit Quality(5y)125.43%
High Growth Momentum
Growth
EPS 1Y (TTM)42.31%
EPS 3Y-4.99%
EPS 5Y4.09%
EPS Q2Q%59.62%
EPS Next Y25.73%
EPS Next 2Y18.57%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)47.05%
Revenue growth 3Y7.19%
Revenue growth 5Y9%
Sales Q2Q%64.72%
Revenue Next Year29.84%
Revenue Next 2Y18.02%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y77.5%
FCF growth 3Y-16.5%
FCF growth 5Y5.06%
OCF growth 1Y75.29%
OCF growth 3Y-15.57%
OCF growth 5Y5.58%

CONNECTONE BANCORP INC / CNOB Fundamental Analysis FAQ

What is the ChartMill fundamental rating of CONNECTONE BANCORP INC (CNOB) stock?

ChartMill assigns a fundamental rating of 4 / 10 to CNOB.


What is the valuation status for CNOB stock?

ChartMill assigns a valuation rating of 6 / 10 to CONNECTONE BANCORP INC (CNOB). This can be considered as Fairly Valued.


How profitable is CONNECTONE BANCORP INC (CNOB) stock?

CONNECTONE BANCORP INC (CNOB) has a profitability rating of 2 / 10.


What are the PE and PB ratios of CONNECTONE BANCORP INC (CNOB) stock?

The Price/Earnings (PE) ratio for CONNECTONE BANCORP INC (CNOB) is 10.81 and the Price/Book (PB) ratio is 0.89.


Can you provide the expected EPS growth for CNOB stock?

The Earnings per Share (EPS) of CONNECTONE BANCORP INC (CNOB) is expected to grow by 25.73% in the next year.