24.13 USD
+0.04 (+0.17%)
Taking everything into account, CNOBP scores 4 out of 10 in our fundamental rating. CNOBP was compared to 387 industry peers in the Banks industry. CNOBP may be in some trouble as it scores bad on both profitability and health. CNOBP is not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year CNOBP was profitable.
In the past year CNOBP had a positive cash flow from operations.
CNOBP had positive earnings in each of the past 5 years.
CNOBP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of CNOBP (0.39%) is worse than 82.17% of its industry peers.
CNOBP's Return On Equity of 3.58% is on the low side compared to the rest of the industry. CNOBP is outperformed by 82.69% 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
Looking at the Profit Margin, with a value of 16.02%, CNOBP is doing worse than 74.68% of the companies in the same industry.
In the last couple of years the Profit Margin of CNOBP has declined.
The Operating Margin and Gross Margin are not available for CNOBP so they could not be analyzed.
| 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
CNOBP does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CNOBP has less shares outstanding
Compared to 5 years ago, CNOBP has more shares outstanding
Compared to 1 year ago, CNOBP has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of CNOBP is 2.38, which is a good value as it means it would take CNOBP, 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, CNOBP is in line with its industry, outperforming 45.74% of the companies in the same industry.
A Debt/Equity ratio of 0.13 indicates that CNOBP is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.13, CNOBP is in line with its industry, outperforming 59.69% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 2.38 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.95%
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.
CNOBP shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.32% yearly.
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
The Earnings Per Share is expected to grow by 25.01% on average over the next years. This is a very strong growth
Based on estimates for the next years, CNOBP will show a very strong growth in Revenue. The Revenue will grow by 27.09% on average per year.
EPS Next Y39.12%
EPS Next 2Y34.87%
EPS Next 3Y25.01%
EPS Next 5YN/A
Revenue Next Year48.59%
Revenue Next 2Y38.61%
Revenue Next 3Y27.09%
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
The Price/Earnings ratio is 10.58, which indicates a very decent valuation of CNOBP.
CNOBP's Price/Earnings ratio is a bit cheaper when compared to the industry. CNOBP is cheaper than 69.25% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.31. CNOBP is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 7.29 indicates a rather cheap valuation of CNOBP.
CNOBP's Price/Forward Earnings ratio is rather cheap when compared to the industry. CNOBP is cheaper than 90.44% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.56. CNOBP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.58 | ||
| Fwd PE | 7.29 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CNOBP is valued a bit more expensive than 60.72% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.29 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CNOBP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CNOBP's earnings are expected to grow with 25.01% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y34.87%
EPS Next 3Y25.01%
5. Dividend
5.1 Amount
CNOBP has a Yearly Dividend Yield of 2.82%.
CNOBP's Dividend Yield is comparable with the industry average which is at 3.15.
Compared to an average S&P500 Dividend Yield of 2.32, CNOBP pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.82% |
5.2 History
The dividend of CNOBP is nicely growing with an annual growth rate of 19.08%!
CNOBP has been paying a dividend for over 5 years, so it has already some track record.
CNOBP has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)19.08%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
65.04% of the earnings are spent on dividend by CNOBP. This is not a sustainable payout ratio.
The dividend of CNOBP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP65.04%
EPS Next 2Y34.87%
EPS Next 3Y25.01%
CONNECTONE BANCORP INC - CNOB 5 1/4 PERP
NASDAQ:CNOBP (12/1/2025, 10:12:43 AM)
24.13
+0.04 (+0.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners70.88%
Inst Owner ChangeN/A
Ins Owners3.41%
Ins Owner ChangeN/A
Market Cap1.21B
Revenue(TTM)344.16M
Net Income(TTM)55.12M
Analysts86
Price Target29.78 (23.41%)
Short Float %0.01%
Short Ratio0.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.82% |
Yearly Dividend0.87
Dividend Growth(5Y)19.08%
DP65.04%
Div Incr Years0
Div Non Decr Years3
Ex-Date
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)6.34%
PT rev (3m)3.21%
EPS NQ rev (1m)0.41%
EPS NQ rev (3m)1.08%
EPS NY rev (1m)0.16%
EPS NY rev (3m)1.09%
Revenue NQ rev (1m)-0.22%
Revenue NQ rev (3m)-0.45%
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)-1.6%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.58 | ||
| Fwd PE | 7.29 | ||
| P/S | 3.52 | ||
| P/FCF | 14.29 | ||
| P/OCF | 13.34 | ||
| P/B | 0.79 | ||
| P/tB | 0.96 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.28
EY9.45%
EPS(NY)3.31
Fwd EY13.72%
FCF(TTM)1.69
FCFY7%
OCF(TTM)1.81
OCFY7.5%
SpS6.85
BVpS30.6
TBVpS25.06
PEG (NY)0.27
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
WACC14.95%
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 Y39.12%
EPS Next 2Y34.87%
EPS Next 3Y25.01%
EPS Next 5YN/A
Revenue 1Y (TTM)31.54%
Revenue growth 3Y-1.77%
Revenue growth 5Y6.33%
Sales Q2Q%64.15%
Revenue Next Year48.59%
Revenue Next 2Y38.61%
Revenue Next 3Y27.09%
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 5 1/4 PERP / CNOBP FAQ
Can you provide the ChartMill fundamental rating for CONNECTONE BANCORP INC - CNOB 5 1/4 PERP?
ChartMill assigns a fundamental rating of 4 / 10 to CNOBP.
What is the valuation status for CNOBP stock?
ChartMill assigns a valuation rating of 6 / 10 to CONNECTONE BANCORP INC - CNOB 5 1/4 PERP (CNOBP). This can be considered as Fairly Valued.
How profitable is CONNECTONE BANCORP INC - CNOB 5 1/4 PERP (CNOBP) stock?
CONNECTONE BANCORP INC - CNOB 5 1/4 PERP (CNOBP) has a profitability rating of 2 / 10.
What is the financial health of CONNECTONE BANCORP INC - CNOB 5 1/4 PERP (CNOBP) stock?
The financial health rating of CONNECTONE BANCORP INC - CNOB 5 1/4 PERP (CNOBP) is 2 / 10.
How sustainable is the dividend of CONNECTONE BANCORP INC - CNOB 5 1/4 PERP (CNOBP) stock?
The dividend rating of CONNECTONE BANCORP INC - CNOB 5 1/4 PERP (CNOBP) is 5 / 10 and the dividend payout ratio is 65.04%.