CONNECTONE BANCORP INC (CNOB) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:CNOB • US20786W1071

28.67 USD
+0.9 (+3.24%)
At close: Feb 6, 2026
28.67 USD
0 (0%)
After Hours: 2/6/2026, 8:26:05 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall CNOB gets a fundamental rating of 3 out of 10. We evaluated CNOB against 381 industry peers in the Banks industry. CNOB has a bad profitability rating. Also its financial health evaluation is rather negative. CNOB has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year CNOB was profitable.
  • CNOB had a positive operating cash flow in the past year.
  • Of the past 5 years CNOB 4 years were profitable.
  • CNOB had a positive operating cash flow in 4 of the past 5 years.
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 50M 100M 150M 200M

1.2 Ratios

  • CNOB has a Return On Assets of 0.39%. This is amonst the worse of the industry: CNOB underperforms 82.41% of its industry peers.
  • Looking at the Return On Equity, with a value of 3.58%, CNOB is doing worse than 83.20% of the companies in the same industry.
Industry RankSector 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
CNOB Yearly ROA, ROE, ROICCNOB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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 74.54% of its industry peers.
  • In the last couple of years the Profit Margin of CNOB has declined.
  • CNOB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
CNOB Yearly Profit, Operating, Gross MarginsCNOB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

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.
CNOB Yearly Shares OutstandingCNOB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
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 2B 4B 6B 8B

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.
  • CNOB has a Debt to FCF ratio (2.38) which is in line with its industry peers.
  • A Debt/Equity ratio of 0.13 indicates that CNOB is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.13, CNOB is in the better half of the industry, outperforming 60.10% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 2.38
Altman-Z N/A
ROIC/WACCN/A
WACC14.24%
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 200M 400M 600M 800M 1B

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 5M 10M 15M

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

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 42.31% over the past year.
  • The Earnings Per Share has been growing slightly by 4.09% on average over the past years.
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.
  • CNOB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.59% yearly.
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

  • The EPS 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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.07, the valuation of CNOB can be described as reasonable.
  • 76.38% of the companies in the same industry are more expensive than CNOB, based on the Price/Earnings ratio.
  • CNOB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.93.
  • Based on the Price/Forward Earnings ratio of 8.67, the valuation of CNOB can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, CNOB is valued cheaper than 90.03% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of CNOB to the average of the S&P500 Index (27.77), we can say CNOB is valued rather cheaply.
Industry RankSector Rank
PE 11.07
Fwd PE 8.67
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

  • Based on the Price/Free Cash Flow ratio, CNOB is valued a bit more expensive than 65.88% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.98
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

  • CNOB's 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 19.69% in the coming years.
PEG (NY)0.4
PEG (5Y)2.71
EPS Next 2Y19.69%
EPS Next 3YN/A

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

6

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 2.53.
  • Compared to an average S&P500 Dividend Yield of 1.81, CNOB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.59%

5.2 History

  • On average, the dividend of CNOB grows each year by 19.08%, 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)19.08%
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 0.2 0.4 0.6

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
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 50M 100M 150M
CNOB Dividend Payout.CNOB Dividend Payout, showing the Payout Ratio.CNOB Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

CONNECTONE BANCORP INC

NASDAQ:CNOB (2/6/2026, 8:26:05 PM)

After market: 28.67 0 (0%)

28.67

+0.9 (+3.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners73.91%
Inst Owner Change3.93%
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 RankSector 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)4.97%
PT rev (3m)7.91%
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)-0.45%
Revenue NY rev (3m)-2.31%
Valuation
Industry RankSector 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 RankSector 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 RankSector 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
WACC14.24%
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.