CONNECTONE BANCORP INC (CNOB) Fundamental Analysis & Valuation

NASDAQ:CNOB • US20786W1071

Current stock price

27.28 USD
-0.04 (-0.15%)
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

  • CNOB had positive earnings in the past year.
  • CNOB had a positive operating cash flow in the past year.
  • Each year in the past 5 years CNOB has 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

  • With a Return On Assets value of 0.53%, CNOB is not doing good in the industry: 81.84% of the companies in the same industry are doing better.
  • Looking at the Return On Equity, with a value of 4.72%, CNOB is doing worse than 83.68% of the companies in the same industry.
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

  • With a Profit Margin value of 19.12%, CNOB is not doing good in the industry: 74.47% of the companies in the same industry are doing better.
  • 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.
  • 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

  • The Debt to FCF ratio of CNOB is 2.00, which is an excellent value as it means it would take CNOB, only 2.00 years of fcf income to pay off all of its debts.
  • CNOB has a Debt to FCF ratio (2.00) which is in line with 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.
  • 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
WACC14.48%
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.
  • Looking at the last year, CNOB shows a very strong growth in Revenue. The Revenue has grown by 47.05%.
  • Measured over the past years, CNOB shows a quite strong growth in Revenue. The Revenue has been growing by 9.00% on average per year.
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.
  • The Revenue is expected to grow by 18.02% on average over the next years. This is quite good.
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

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

  • The Price/Earnings ratio is 10.53, which indicates a very decent valuation of CNOB.
  • Based on the Price/Earnings ratio, CNOB is valued a bit cheaper than 72.89% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of CNOB to the average of the S&P500 Index (26.21), we can say CNOB is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 8.31, the valuation of CNOB can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, CNOB is valued cheaply inside the industry as 88.16% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 23.13. CNOB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.53
Fwd PE 8.31
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

  • 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 13.58
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.
  • CNOB's earnings are expected to grow with 18.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.39
PEG (5Y)2.58
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

  • With a Yearly Dividend Yield of 2.77%, CNOB has a reasonable but not impressive dividend return.
  • CNOB's Dividend Yield is comparable with the industry average which is at 2.73.
  • CNOB's Dividend Yield is a higher than the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.77%

5.2 History

  • On average, the dividend of CNOB grows each year by 17.56%, which is quite nice.
  • 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)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

  • 51.18% of the earnings are spent on dividend by CNOB. 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

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CNOB Fundamentals: All Metrics, Ratios and Statistics

CONNECTONE BANCORP INC

NASDAQ:CNOB (4/7/2026, 11:51:45 AM)

27.28

-0.04 (-0.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-23
Inst Owners75.26%
Inst Owner Change0%
Ins Owners3.42%
Ins Owner Change1.97%
Market Cap1.37B
Revenue(TTM)388.32M
Net Income(TTM)74.23M
Analysts85.45
Price Target31.93 (17.05%)
Short Float %4.08%
Short Ratio5.99
Dividend
Industry RankSector Rank
Dividend Yield 2.77%
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%
EPS NY rev (3m)-0.91%
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 10.53
Fwd PE 8.31
P/S 3.53
P/FCF 13.58
P/OCF 12.89
P/B 0.87
P/tB 1.06
EV/EBITDA N/A
EPS(TTM)2.59
EY9.49%
EPS(NY)3.28
Fwd EY12.03%
FCF(TTM)2.01
FCFY7.37%
OCF(TTM)2.12
OCFY7.76%
SpS7.72
BVpS31.3
TBVpS25.72
PEG (NY)0.39
PEG (5Y)2.58
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
WACC14.48%
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.


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 10.53 and the Price/Book (PB) ratio is 0.87.


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 26.68% in the next year.