27.26 USD
+0.95 (+3.61%)
27.26 USD
0 (0%)
CNOB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 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 priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
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.
- Each year in the past 5 years CNOB had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.39%, CNOB is doing worse than 82.51% of the companies in the same industry.
- CNOB has a worse Return On Equity (3.58%) than 82.77% 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
- With a Profit Margin value of 16.02%, CNOB is not doing good in the industry: 74.15% of the companies in the same industry are doing better.
- 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.
- The number of shares outstanding for CNOB has been reduced compared to 1 year ago.
- Compared to 5 years ago, CNOB has more shares outstanding
- The debt/assets ratio for CNOB is higher compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of CNOB is 2.38, which is a good value as it means it would take CNOB, 2.38 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 2.38, CNOB is in line with its industry, outperforming 42.82% of the companies in the same industry.
- A Debt/Equity ratio of 0.13 indicates that CNOB is not too dependend on debt financing.
- CNOB has a Debt to Equity ratio of 0.13. This is in the better half of the industry: CNOB outperforms 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
WACC14.43%
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 29.55% over the past year.
- The Earnings Per Share has been decreasing by -4.32% on average over the past years.
- The Revenue has grown by 31.54% in the past year. This is a very strong growth!
- The Revenue has been growing slightly by 6.33% on average over the past years.
EPS 1Y (TTM)29.55%
EPS 3Y-17.32%
EPS 5Y-4.32%
EPS Q2Q%62.79%
Revenue 1Y (TTM)31.54%
Revenue growth 3Y-1.77%
Revenue growth 5Y6.33%
Sales Q2Q%64.15%
3.2 Future
- Based on estimates for the next years, CNOB will show a very strong growth in Earnings Per Share. The EPS will grow by 26.72% on average per year.
- Based on estimates for the next years, CNOB will show a very strong growth in Revenue. The Revenue will grow by 27.48% on average per year.
EPS Next Y38.61%
EPS Next 2Y34.88%
EPS Next 3Y26.72%
EPS Next 5YN/A
Revenue Next Year46.11%
Revenue Next 2Y38.78%
Revenue Next 3Y27.48%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 11.96, the valuation of CNOB can be described as reasonable.
- Based on the Price/Earnings ratio, CNOB is valued a bit cheaper than the industry average as 62.40% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Earnings ratio of 27.54, CNOB is valued rather cheaply.
- The Price/Forward Earnings ratio is 8.23, which indicates a very decent valuation of CNOB.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of CNOB indicates a rather cheap valuation: CNOB is cheaper than 89.03% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.31. CNOB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.96 | ||
| Fwd PE | 8.23 |
4.2 Price Multiples
- 66.58% of the companies in the same industry are cheaper than CNOB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.14 | ||
| EV/EBITDA | N/A |
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 26.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
PEG (5Y)N/A
EPS Next 2Y34.88%
EPS Next 3Y26.72%
5. Dividend
5.1 Amount
- CNOB has a Yearly Dividend Yield of 2.70%. Purely for dividend investing, there may be better candidates out there.
- CNOB's Dividend Yield is comparable with the industry average which is at 2.90.
- CNOB's Dividend Yield is a higher than the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.7% |
5.2 History
- The dividend of CNOB is nicely growing with an annual growth rate of 19.08%!
- 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)19.08%
Div Incr Years6
Div Non Decr Years14
5.3 Sustainability
- 65.04% of the earnings are spent on dividend by CNOB. This is not a sustainable payout ratio.
- CNOB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP65.04%
EPS Next 2Y34.88%
EPS Next 3Y26.72%
27.26
+0.95 (+3.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30/bmo
Earnings (Next)01-22 2026-01-22/bmo
Inst Owners73.91%
Inst Owner Change1.68%
Ins Owners3.41%
Ins Owner Change0.08%
Market Cap1.37B
Revenue(TTM)344.16M
Net Income(TTM)55.12M
Analysts85.45
Price Target30.8 (12.99%)
Short Float %3.38%
Short Ratio5.93
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.7% |
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)2.37%
PT rev (3m)3.69%
EPS NQ rev (1m)0.28%
EPS NQ rev (3m)0.73%
EPS NY rev (1m)0.82%
EPS NY rev (3m)-0.03%
Revenue NQ rev (1m)1.92%
Revenue NQ rev (3m)0.27%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.96 | ||
| Fwd PE | 8.23 | ||
| P/S | 3.98 | ||
| P/FCF | 16.14 | ||
| P/OCF | 15.07 | ||
| P/B | 0.89 | ||
| P/tB | 1.09 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.28
EY8.36%
EPS(NY)3.31
Fwd EY12.15%
FCF(TTM)1.69
FCFY6.19%
OCF(TTM)1.81
OCFY6.64%
SpS6.85
BVpS30.6
TBVpS25.06
PEG (NY)0.31
PEG (5Y)N/A
Graham Number39.62
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
WACC14.43%
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)29.55%
EPS 3Y-17.32%
EPS 5Y-4.32%
EPS Q2Q%62.79%
EPS Next Y38.61%
EPS Next 2Y34.88%
EPS Next 3Y26.72%
EPS Next 5YN/A
Revenue 1Y (TTM)31.54%
Revenue growth 3Y-1.77%
Revenue growth 5Y6.33%
Sales Q2Q%64.15%
Revenue Next Year46.11%
Revenue Next 2Y38.78%
Revenue Next 3Y27.48%
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 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 38.61% in the next year.