CONNECTONE BANCORP INC - CNOB 5 1/4 PERP (CNOBP) Fundamental Analysis & Valuation

NASDAQ:CNOBP • US20786W5031

24.5 USD
-0.14 (-0.57%)
Last: Mar 6, 2026, 10:09 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This CNOBP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

Overall CNOBP gets a fundamental rating of 3 out of 10. We evaluated CNOBP against 379 industry peers in the Banks industry. CNOBP may be in some trouble as it scores bad on both profitability and health. CNOBP is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

2

1. CNOBP Profitability Analysis

1.1 Basic Checks

  • CNOBP had positive earnings in the past year.
  • CNOBP had a positive operating cash flow in the past year.
  • CNOBP had positive earnings in 4 of the past 5 years.
  • Of the past 5 years CNOBP 4 years had a positive operating cash flow.
CNOBP Yearly Net Income VS EBIT VS OCF VS FCFCNOBP 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

  • CNOBP has a Return On Assets of 0.39%. This is amonst the worse of the industry: CNOBP underperforms 84.17% of its industry peers.
  • Looking at the Return On Equity, with a value of 3.58%, CNOBP is doing worse than 84.70% 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
CNOBP Yearly ROA, ROE, ROICCNOBP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • The Profit Margin of CNOBP (16.02%) is worse than 76.52% of its industry peers.
  • CNOBP's Profit Margin has declined in the last couple of years.
  • CNOBP 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
CNOBP Yearly Profit, Operating, Gross MarginsCNOBP 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. CNOBP Health Analysis

2.1 Basic Checks

  • CNOBP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for CNOBP. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
CNOBP Yearly Shares OutstandingCNOBP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
CNOBP Yearly Total Debt VS Total AssetsCNOBP 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 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.
  • CNOBP has a Debt to FCF ratio (2.38) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.13 indicates that CNOBP is not too dependend on debt financing.
  • CNOBP has a Debt to Equity ratio (0.13) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 2.38
Altman-Z N/A
ROIC/WACCN/A
WACC14.82%
CNOBP Yearly LT Debt VS Equity VS FCFCNOBP 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
CNOBP Yearly Current Assets VS Current LiabilitesCNOBP 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. CNOBP Growth Analysis

3.1 Past

  • CNOBP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 42.31%, which is quite impressive.
  • 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

  • Based on estimates for the next years, CNOBP will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.69% on average per year.
  • Based on estimates for the next years, CNOBP will show a quite strong growth in Revenue. The Revenue will grow by 18.02% on average per year.
EPS Next Y27.74%
EPS Next 2Y19.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year29.84%
Revenue Next 2Y18.02%
Revenue Next 3YN/A
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.
CNOBP Yearly Revenue VS EstimatesCNOBP 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
CNOBP Yearly EPS VS EstimatesCNOBP 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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6

4. CNOBP Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.46, the valuation of CNOBP can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of CNOBP indicates a rather cheap valuation: CNOBP is cheaper than 83.11% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.69, CNOBP is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 7.41, the valuation of CNOBP can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CNOBP indicates a rather cheap valuation: CNOBP is cheaper than 92.88% of the companies listed in the same industry.
  • CNOBP is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.79, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.46
Fwd PE 7.41
CNOBP Price Earnings VS Forward Price EarningsCNOBP 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, CNOBP is valued a bit more expensive than 61.74% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.51
EV/EBITDA N/A
CNOBP Per share dataCNOBP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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.
  • A more expensive valuation may be justified as CNOBP's earnings are expected to grow with 19.69% in the coming years.
PEG (NY)0.34
PEG (5Y)2.32
EPS Next 2Y19.69%
EPS Next 3YN/A

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

5

5. CNOBP Dividend Analysis

5.1 Amount

  • CNOBP has a Yearly Dividend Yield of 2.59%.
  • Compared to an average industry Dividend Yield of 2.73, CNOBP has a dividend in line with its industry peers.
  • CNOBP's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.59%

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
CNOBP Yearly Dividends per shareCNOBP Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • CNOBP pays out 65.04% of its income as dividend. This is not a sustainable payout ratio.
  • CNOBP's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP65.04%
EPS Next 2Y19.69%
EPS Next 3YN/A
CNOBP Yearly Income VS Free CF VS DividendCNOBP 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
CNOBP Dividend Payout.CNOBP Dividend Payout, showing the Payout Ratio.CNOBP Dividend Payout.PayoutRetained Earnings

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CNOBP Fundamentals: All Metrics, Ratios and Statistics

CONNECTONE BANCORP INC - CNOB 5 1/4 PERP

NASDAQ:CNOBP (3/6/2026, 10:09:51 AM)

24.5

-0.14 (-0.57%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners73.91%
Inst Owner ChangeN/A
Ins Owners3.41%
Ins Owner ChangeN/A
Market Cap1.23B
Revenue(TTM)N/A
Net Income(TTM)55.12M
Analysts85.45
Price Target29.94 (22.2%)
Short Float %0.01%
Short Ratio0.67
Dividend
Industry RankSector Rank
Dividend Yield 2.59%
Yearly Dividend0.87
Dividend Growth(5Y)19.08%
DP65.04%
Div Incr Years0
Div Non Decr Years3
Ex-Date02-13
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)4.02%
PT rev (3m)0.53%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.02%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.34%
Revenue NY rev (1m)-0.32%
Revenue NY rev (3m)-2.11%
Valuation
Industry RankSector Rank
PE 9.46
Fwd PE 7.41
P/S 3.58
P/FCF 14.51
P/OCF 13.54
P/B 0.8
P/tB 0.98
EV/EBITDA N/A
EPS(TTM)2.59
EY10.57%
EPS(NY)3.31
Fwd EY13.5%
FCF(TTM)1.69
FCFY6.89%
OCF(TTM)1.81
OCFY7.38%
SpS6.85
BVpS30.6
TBVpS25.06
PEG (NY)0.34
PEG (5Y)2.32
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
WACC14.82%
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 Year29.84%
Revenue Next 2Y18.02%
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 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 3 / 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 9.46 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 27.74% in the next year.