28.67 USD
+0.9 (+3.24%)
At close: Feb 6, 2026
28.67 USD
0 (0%)
After Hours: 2/6/2026, 4:30:00 PM
We assign a fundamental rating of 3 out of 10 to CNOB. CNOB was compared to 383 industry peers in the Banks industry. CNOB may be in some trouble as it scores bad on both profitability and health. CNOB is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year CNOB was profitable.
- CNOB had a positive operating cash flow in the past year.
- CNOB had positive earnings in 4 of the past 5 years.
- Of the past 5 years CNOB 4 years had a positive operating cash flow.
1.2 Ratios
- CNOB's Return On Assets of 0.39% is on the low side compared to the rest of the industry. CNOB is outperformed by 82.51% of its industry peers.
- CNOB has a worse Return On Equity (3.58%) than 83.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.39% | ||
| ROE | 3.58% | ||
| ROIC | N/A |
ROA(3y)0.91%
ROA(5y)1.05%
ROE(3y)7.4%
ROE(5y)8.27%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- CNOB's Profit Margin of 16.02% is on the low side compared to the rest of the industry. CNOB is outperformed by 74.67% of its industry peers.
- CNOB's Profit Margin has declined in the last couple of years.
- CNOB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 16.02% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.79%
PM growth 5Y-7.42%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- CNOB does not have a ROIC to compare to the WACC, probably because it is not profitable.
- There is no outstanding debt for CNOB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- CNOB has a debt to FCF ratio of 2.38. This is a good value and a sign of high solvency as CNOB would need 2.38 years to pay back of all of its debts.
- CNOB has a Debt to FCF ratio (2.38) which is comparable to the rest of the industry.
- 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 better Debt to Equity ratio (0.13) than 60.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 2.38 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.28%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 42.31% over the past year.
- Measured over the past 5 years, CNOB shows a small growth in Earnings Per Share. The EPS has been growing by 4.09% on average per year.
EPS 1Y (TTM)42.31%
EPS 3Y-4.99%
EPS 5Y4.09%
EPS Q2Q%59.62%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%64.72%
3.2 Future
- CNOB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.69% yearly.
- Based on estimates for the next years, CNOB will show a quite strong growth in Revenue. The Revenue will grow by 17.59% on average per year.
EPS Next Y27.74%
EPS Next 2Y19.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year28.65%
Revenue Next 2Y17.59%
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.
4. Valuation
4.1 Price/Earnings Ratio
- CNOB is valuated reasonably with a Price/Earnings ratio of 11.07.
- Based on the Price/Earnings ratio, CNOB is valued a bit cheaper than the industry average as 78.85% of the companies are valued more expensively.
- The average S&P500 Price/Earnings ratio is at 27.92. CNOB is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 8.67 indicates a reasonable valuation of CNOB.
- CNOB's Price/Forward Earnings ratio is rather cheap when compared to the industry. CNOB is cheaper than 90.86% of the companies in the same industry.
- CNOB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.78.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.07 | ||
| Fwd PE | 8.67 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of CNOB indicates a slightly more expensive valuation: CNOB is more expensive than 64.23% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.98 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- CNOB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- CNOB's earnings are expected to grow with 19.69% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.4
PEG (5Y)2.71
EPS Next 2Y19.69%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- CNOB has a Yearly Dividend Yield of 2.59%. Purely for dividend investing, there may be better candidates out there.
- CNOB's Dividend Yield is comparable with the industry average which is at 2.65.
- CNOB's Dividend Yield is a higher than the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.59% |
5.2 History
- The dividend of CNOB is nicely growing with an annual growth rate of 19.08%!
- CNOB has paid a dividend for at least 10 years, which is 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)19.08%
Div Incr Years6
Div Non Decr Years14
5.3 Sustainability
- CNOB pays out 65.04% of its income as dividend. This is not a sustainable payout ratio.
- The dividend of CNOB is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP65.04%
EPS Next 2Y19.69%
EPS Next 3YN/A
28.67
+0.9 (+3.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29 2026-01-29/bmo
Earnings (Next)04-22 2026-04-22
Inst Owners73.91%
Inst Owner Change2.66%
Ins Owners3.41%
Ins Owner Change-0.06%
Market Cap1.44B
Revenue(TTM)N/A
Net Income(TTM)55.12M
Analysts85.45
Price Target32.33 (12.77%)
Short Float %3.24%
Short Ratio5.45
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.59% |
Yearly Dividend0.87
Dividend Growth(5Y)19.08%
DP65.04%
Div Incr Years6
Div Non Decr Years14
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.38%
Min EPS beat(2)-1.24%
Max EPS beat(2)2.01%
EPS beat(4)3
Avg EPS beat(4)6.89%
Min EPS beat(4)-1.24%
Max EPS beat(4)18.1%
EPS beat(8)5
Avg EPS beat(8)3.61%
EPS beat(12)7
Avg EPS beat(12)1.35%
EPS beat(16)9
Avg EPS beat(16)0.21%
Revenue beat(2)1
Avg Revenue beat(2)-2.95%
Min Revenue beat(2)-9.25%
Max Revenue beat(2)3.36%
Revenue beat(4)1
Avg Revenue beat(4)-2.84%
Min Revenue beat(4)-9.25%
Max Revenue beat(4)3.36%
Revenue beat(8)1
Avg Revenue beat(8)-3.41%
Revenue beat(12)1
Avg Revenue beat(12)-3.79%
Revenue beat(16)5
Avg Revenue beat(16)-1.86%
PT rev (1m)0%
PT rev (3m)2.81%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.41%
EPS NY rev (1m)0.35%
EPS NY rev (3m)0.14%
Revenue NQ rev (1m)-1.82%
Revenue NQ rev (3m)-1.55%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)-1.99%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.07 | ||
| Fwd PE | 8.67 | ||
| P/S | 4.19 | ||
| P/FCF | 16.98 | ||
| P/OCF | 15.85 | ||
| P/B | 0.94 | ||
| P/tB | 1.14 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.59
EY9.03%
EPS(NY)3.31
Fwd EY11.54%
FCF(TTM)1.69
FCFY5.89%
OCF(TTM)1.81
OCFY6.31%
SpS6.85
BVpS30.6
TBVpS25.06
PEG (NY)0.4
PEG (5Y)2.71
Graham Number42.23
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.39% | ||
| ROE | 3.58% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 16.02% | ||
| GM | N/A | ||
| FCFM | 24.67% |
ROA(3y)0.91%
ROA(5y)1.05%
ROE(3y)7.4%
ROE(5y)8.27%
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-17.79%
PM growth 5Y-7.42%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 2.38 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 57.98% | ||
| Cap/Sales | 1.76% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 154.01% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score3
WACC14.28%
ROIC/WACCN/A
Cap/Depr(3y)83.7%
Cap/Depr(5y)66.34%
Cap/Sales(3y)1.75%
Cap/Sales(5y)1.42%
Profit Quality(3y)111.87%
Profit Quality(5y)120.48%
High Growth Momentum
Growth
EPS 1Y (TTM)42.31%
EPS 3Y-4.99%
EPS 5Y4.09%
EPS Q2Q%59.62%
EPS Next Y27.74%
EPS Next 2Y19.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%64.72%
Revenue Next Year28.65%
Revenue Next 2Y17.59%
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 1Y-40.05%
FCF growth 3Y-34.17%
FCF growth 5Y-0.79%
OCF growth 1Y-37.93%
OCF growth 3Y-33.05%
OCF growth 5Y0%
CONNECTONE BANCORP INC / CNOB FAQ
What is the ChartMill fundamental rating of CONNECTONE BANCORP INC (CNOB) stock?
ChartMill assigns a fundamental rating of 3 / 10 to CNOB.
What is the valuation status for CNOB stock?
ChartMill assigns a valuation rating of 5 / 10 to CONNECTONE BANCORP INC (CNOB). This can be considered as Fairly Valued.
What is the profitability of CNOB stock?
CONNECTONE BANCORP INC (CNOB) has a profitability rating of 2 / 10.
Can you provide the financial health for CNOB stock?
The financial health rating of CONNECTONE BANCORP INC (CNOB) is 2 / 10.
What is the earnings growth outlook for CONNECTONE BANCORP INC?
The Earnings per Share (EPS) of CONNECTONE BANCORP INC (CNOB) is expected to grow by 27.74% in the next year.