CNOB Fundamental Analysis - CONNECTONE BANCORP INC

Fundamental Rating

CNOB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. Both the profitability and financial health of CNOB have multiple concerns. CNOB is not overvalued while it is showing excellent growth. This is an interesting combination.

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1. Profitability

1.1 Basic Checks

In the past year CNOB was profitable.

CNOB had a positive operating cash flow in the past year.

In the past 5 years CNOB has always been profitable.

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

1.2 Ratios

CNOB's Return On Assets of 0.23% is on the low side compared to the rest of the industry. CNOB is outperformed by 85.68% of its industry peers.

The Return On Equity of CNOB (2.09%) is worse than 85.68% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.23%
ROE	2.09%
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

Looking at the Profit Margin, with a value of 10.87%, CNOB is doing worse than 81.07% of the companies in the same industry.

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 Rank	Sector Rank
OM	N/A
PM (TTM)	10.87%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CNOB does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, CNOB has less shares outstanding

The number of shares outstanding for CNOB has been increased compared to 5 years ago.

The debt/assets ratio for CNOB is higher compared to a year ago.

2.2 Solvency

CNOB has a debt to FCF ratio of 7.82. This is a slightly negative value and a sign of low solvency as CNOB would need 7.82 years to pay back of all of its debts.

CNOB's Debt to FCF ratio of 7.82 is on the low side compared to the rest of the industry. CNOB is outperformed by 74.17% of its industry peers.

CNOB has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.

CNOB's Debt to Equity ratio of 0.18 is in line compared to the rest of the industry. CNOB outperforms 46.04% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	7.82
Altman-Z	N/A

ROIC/WACCN/A

WACC15.02%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 9.24% over the past year.

CNOB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.32% yearly.

CNOB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.09%.

The Revenue has been growing slightly by 6.33% on average over the past years.

EPS 1Y (TTM)9.24%

EPS 3Y-17.32%

EPS 5Y-4.32%

EPS Q2Q%19.57%

Revenue 1Y (TTM)10.09%

Revenue growth 3Y-1.77%

Revenue growth 5Y6.33%

Sales Q2Q%28.39%

3.2 Future

The Earnings Per Share is expected to grow by 33.89% on average over the next years. This is a very strong growth

The Revenue is expected to grow by 38.34% on average over the next years. This is a very strong growth

EPS Next Y37.63%

EPS Next 2Y33.89%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year51.01%

Revenue Next 2Y38.34%

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.

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

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.54, which indicates a correct valuation of CNOB.

CNOB's Price/Earnings ratio is in line with the industry average.

Compared to an average S&P500 Price/Earnings ratio of 27.44, CNOB is valued rather cheaply.

The Price/Forward Earnings ratio is 7.73, which indicates a rather cheap valuation of CNOB.

Based on the Price/Forward Earnings ratio, CNOB is valued cheaply inside the industry as 88.75% of the companies are valued more expensively.

The average S&P500 Price/Forward Earnings ratio is at 22.87. CNOB is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	12.54
Fwd PE	7.73

4.2 Price Multiples

78.26% 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	35.83
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 33.89% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.33

PEG (5Y)N/A

EPS Next 2Y33.89%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CNOB has a Yearly Dividend Yield of 2.81%.

Compared to an average industry Dividend Yield of 3.56, CNOB has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.45, CNOB has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.81%

5.2 History

On average, the dividend of CNOB grows each year by 19.08%, 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)19.08%

Div Incr Years6

Div Non Decr Years14

5.3 Sustainability

CNOB pays out 107.52% of its income as dividend. This is not a sustainable payout ratio.

CNOB's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP107.52%

EPS Next 2Y33.89%

EPS Next 3YN/A

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CONNECTONE BANCORP INC

NASDAQ:CNOB (9/11/2025, 8:00:00 PM)

After market: 25.21 0 (0%)

25.21

+0.31 (+1.24%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-29 2025-07-29/bmo

Earnings (Next)10-22 2025-10-22/bmo

Inst Owners57.38%

Inst Owner Change21.28%

Ins Owners3.41%

Ins Owner Change5.49%

Market Cap1.27B

Analysts86

Price Target29.71 (17.85%)

Short Float %1.78%

Short Ratio2.7

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.81%

Yearly Dividend0.87

Dividend Growth(5Y)19.08%

DP107.52%

Div Incr Years6

Div Non Decr Years14

Ex-Date08-15 2025-08-15 (0.18)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)3.73%

Min EPS beat(2)-1.24%

Max EPS beat(2)8.7%

EPS beat(4)2

Avg EPS beat(4)5.27%

Min EPS beat(4)-4.46%

Max EPS beat(4)18.1%

EPS beat(8)5

Avg EPS beat(8)3.41%

EPS beat(12)6

Avg EPS beat(12)0.11%

EPS beat(16)9

Avg EPS beat(16)0.61%

Revenue beat(2)1

Avg Revenue beat(2)-0.68%

Min Revenue beat(2)-4.71%

Max Revenue beat(2)3.36%

Revenue beat(4)1

Avg Revenue beat(4)-2.05%

Min Revenue beat(4)-6.06%

Max Revenue beat(4)3.36%

Revenue beat(8)1

Avg Revenue beat(8)-2.72%

Revenue beat(12)2

Avg Revenue beat(12)-2.76%

Revenue beat(16)6

Avg Revenue beat(16)-0.68%

PT rev (1m)0%

PT rev (3m)1.84%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-1.97%

EPS NY rev (1m)-0.08%

EPS NY rev (3m)0.43%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)2.37%

Revenue NY rev (1m)4.26%

Revenue NY rev (3m)3.6%

Valuation

		Industry Rank	Sector Rank
PE	12.54
Fwd PE	7.73
P/S	4.39
P/FCF	35.83
P/OCF	32.31
P/B	0.85
P/tB	1.04
EV/EBITDA	N/A

EPS(TTM)2.01

EY7.97%

EPS(NY)3.26

Fwd EY12.94%

FCF(TTM)0.7

FCFY2.79%

OCF(TTM)0.78

OCFY3.1%

SpS5.74

BVpS29.77

TBVpS24.16

PEG (NY)0.33

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.23%
ROE	2.09%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	10.87%
GM	N/A
FCFM	12.27%

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

ROICexcg growth 3YN/A

ROICexcg 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	0.18
Debt/FCF	7.82
Debt/EBITDA	N/A
Cap/Depr	56.92%
Cap/Sales	1.34%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	112.82%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score3

WACC15.02%

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)9.24%

EPS 3Y-17.32%

EPS 5Y-4.32%

EPS Q2Q%19.57%

EPS Next Y37.63%

EPS Next 2Y33.89%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)10.09%

Revenue growth 3Y-1.77%

Revenue growth 5Y6.33%

Sales Q2Q%28.39%

Revenue Next Year51.01%

Revenue Next 2Y38.34%

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-74.35%

FCF growth 3Y-34.17%

FCF growth 5Y-0.79%

OCF growth 1Y-72.64%

OCF growth 3Y-33.05%

OCF growth 5Y0%

CONNECTONE BANCORP INC (CNOB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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