CONNECTONE BANCORP INC (CNOB) Fundamental Analysis & Valuation

NASDAQ:CNOB • US20786W1071

Current stock price

25.845 USD
-0.14 (-0.52%)
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.
  • Each year in the past 5 years CNOB has been profitable.
  • In the past 5 years CNOB always reported a positive cash flow from operatings.
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 has a Return On Assets of 0.53%. This is in the lower half of the industry: CNOB underperforms 78.48% of its industry peers.
  • The Return On Equity of CNOB (4.72%) is worse than 81.36% of its industry peers.
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

  • The Profit Margin of CNOB (19.12%) is worse than 72.44% 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.
  • The number of shares outstanding for CNOB has been increased compared to 1 year ago.
  • CNOB has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, CNOB has a worse debt to assets ratio.
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.
  • Looking at the Debt to FCF ratio, with a value of 2.00, CNOB is in line with its industry, outperforming 49.61% of the companies in the same industry.
  • A Debt/Equity ratio of 0.13 indicates that CNOB is not too dependend on debt financing.
  • The Debt to Equity ratio of CNOB (0.13) 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
WACC14.78%
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

  • CNOB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 42.31%, which is quite impressive.
  • CNOB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.09% yearly.
  • Looking at the last year, CNOB shows a very strong growth in Revenue. The Revenue has grown by 47.05%.
  • CNOB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.00% yearly.
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

  • CNOB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.57% yearly.
  • Based on estimates for the next years, CNOB will show a quite strong growth in Revenue. The Revenue will grow by 18.02% on average per year.
EPS Next Y26.68%
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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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6

4. CNOB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.98 indicates a reasonable valuation of CNOB.
  • Compared to the rest of the industry, the Price/Earnings ratio of CNOB indicates a somewhat cheap valuation: CNOB is cheaper than 74.02% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of CNOB to the average of the S&P500 Index (25.96), we can say CNOB is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 7.88, the valuation of CNOB can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CNOB indicates a rather cheap valuation: CNOB is cheaper than 87.93% of the companies listed 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 24.04.
Industry RankSector Rank
PE 9.98
Fwd PE 7.88
CNOB Price Earnings VS Forward Price EarningsCNOB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • CNOB's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.86
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)0.37
PEG (5Y)2.44
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 2.83%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.90, CNOB has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.91, CNOB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.83%

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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)17.56%
Div Incr Years6
Div Non Decr Years14
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

  • 51.18% of the earnings are spent on dividend by CNOB. This is a bit on the high side, but may be sustainable.
  • CNOB's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept 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

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CNOB Fundamentals: All Metrics, Ratios and Statistics

CONNECTONE BANCORP INC

NASDAQ:CNOB (3/17/2026, 1:16:48 PM)

25.845

-0.14 (-0.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners75.26%
Inst Owner Change3.07%
Ins Owners3.42%
Ins Owner Change0%
Market Cap1.30B
Revenue(TTM)388.32M
Net Income(TTM)74.23M
Analysts85.45
Price Target32.33 (25.09%)
Short Float %3.62%
Short Ratio6.03
Dividend
Industry RankSector Rank
Dividend Yield 2.83%
Yearly Dividend0.86
Dividend Growth(5Y)17.56%
DP51.18%
Div Incr Years6
Div Non Decr Years14
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)0%
PT rev (3m)7.46%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.01%
EPS NY rev (1m)-0.83%
EPS NY rev (3m)-0.91%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.41%
Revenue NY rev (1m)0.92%
Revenue NY rev (3m)-0.07%
Valuation
Industry RankSector Rank
PE 9.98
Fwd PE 7.88
P/S 3.35
P/FCF 12.86
P/OCF 12.21
P/B 0.83
P/tB 1
EV/EBITDA N/A
EPS(TTM)2.59
EY10.02%
EPS(NY)3.28
Fwd EY12.69%
FCF(TTM)2.01
FCFY7.77%
OCF(TTM)2.12
OCFY8.19%
SpS7.72
BVpS31.3
TBVpS25.72
PEG (NY)0.37
PEG (5Y)2.44
Graham Number42.71
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
WACC14.78%
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 Y26.68%
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.


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 26.68% in the next year.