24.57 USD
+0.17 (+0.7%)
Overall CNOBP gets a fundamental rating of 4 out of 10. We evaluated CNOBP against 383 industry peers in the Banks industry. CNOBP has a bad profitability rating. Also its financial health evaluation is rather negative. CNOBP is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
- CNOBP had positive earnings in the past year.
- CNOBP had a positive operating cash flow in the past year.
- In the past 5 years CNOBP has always been profitable.
- In the past 5 years CNOBP always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of CNOBP (0.39%) is worse than 82.51% of its industry peers.
- The Return On Equity of CNOBP (3.58%) is worse 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
- CNOBP has a worse Profit Margin (16.02%) than 74.15% of its industry peers.
- CNOBP's Profit Margin has declined in the last couple of years.
- 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.
- The number of shares outstanding for CNOBP has been reduced compared to 1 year ago.
- The number of shares outstanding for CNOBP has been increased compared to 5 years ago.
- CNOBP has a worse debt/assets ratio than last year.
2.2 Solvency
- CNOBP has a debt to FCF ratio of 2.38. This is a good value and a sign of high solvency as CNOBP would need 2.38 years to pay back of all of its debts.
- With a Debt to FCF ratio value of 2.38, CNOBP perfoms like the industry average, outperforming 43.08% of the companies in the same industry.
- CNOBP has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
- CNOBP's Debt to Equity ratio of 0.13 is fine compared to the rest of the industry. CNOBP outperforms 60.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 2.38 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.98%
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.
- Looking at the last year, CNOBP shows a very strong growth in Revenue. The Revenue has grown by 31.54%.
- 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, CNOBP will show a very strong growth in Earnings Per Share. The EPS will grow by 26.72% on average per year.
- CNOBP is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 26.82% yearly.
EPS Next Y38.61%
EPS Next 2Y34.88%
EPS Next 3Y26.72%
EPS Next 5YN/A
Revenue Next Year48.38%
Revenue Next 2Y38.88%
Revenue Next 3Y26.82%
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 10.78, the valuation of CNOBP can be described as reasonable.
- Based on the Price/Earnings ratio, CNOBP is valued a bit cheaper than the industry average as 77.02% of the companies are valued more expensively.
- CNOBP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.21.
- Based on the Price/Forward Earnings ratio of 7.42, the valuation of CNOBP can be described as very cheap.
- Based on the Price/Forward Earnings ratio, CNOBP is valued cheaply inside the industry as 93.73% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of CNOBP to the average of the S&P500 Index (24.26), we can say CNOBP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.78 | ||
| Fwd PE | 7.42 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of CNOBP is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.55 | ||
| 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.
- CNOBP's earnings are expected to grow with 26.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.28
PEG (5Y)N/A
EPS Next 2Y34.88%
EPS Next 3Y26.72%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.50%, CNOBP has a reasonable but not impressive dividend return.
- CNOBP's Dividend Yield is comparable with the industry average which is at 2.84.
- CNOBP's Dividend Yield is a higher than the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.5% |
5.2 History
- On average, the dividend of CNOBP grows each year by 19.08%, which is quite nice.
- 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.
- CNOBP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP65.04%
EPS Next 2Y34.88%
EPS Next 3Y26.72%
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 of CONNECTONE BANCORP INC - CNOB 5 1/4 PERP (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.
Can you provide the PE and PB ratios for CNOBP stock?
The Price/Earnings (PE) ratio for CONNECTONE BANCORP INC - CNOB 5 1/4 PERP (CNOBP) is 10.78 and the Price/Book (PB) ratio is 0.8.
What is the earnings growth outlook for CONNECTONE BANCORP INC - CNOB 5 1/4 PERP?
The Earnings per Share (EPS) of CONNECTONE BANCORP INC - CNOB 5 1/4 PERP (CNOBP) is expected to grow by 38.61% in the next year.