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CNOBCNOB

$24.23

-0.14
arrow_drop_down0.57%
Current Market·update13 Nov 2025 17:48
Day's Range
24.02-24.55
52-week Range
20.61-29.31

Chart

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Performance

Key Stats

Next Earnings Date2025-10-30
Next Earnings TimeBefore Market Open
Volume57.04K
Average Volume 30d278.07K

AI CNOB Summary

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13.23
Valuation (P/E Ratio)
Reasonable based on trailing twelve months
📈
-0.39
EPS Growth (YoY)
Declined year-over-year
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AI Scoreboard

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Overall Analysis

Buy
75

ConnectOne Bancorp demonstrates solid fundamental performance and a consistent dividend yield, with neutral to slightly bearish short-term technical indicators. The company operates within the stable banking sector, offering a blend of growth potential and income.

Neutral

Thematic

65

As a regional bank, ConnectOne Bancorp is exposed to broader economic trends and monetary policy. Growth themes are more tied to local economic development and interest rate environments rather than disruptive technological shifts.

Strong

Fundamental

80

ConnectOne Bancorp demonstrates robust profitability and a healthy balance sheet, with a consistent dividend payout. Valuation metrics are generally reasonable for a regional bank, although recent quarterly performance shows some margin compression.

Neutral/Bearish

Technical

60

The stock is trading below key moving averages and shows mixed signals from oscillators. While not in a strong downtrend, short-term momentum appears to be weakening, suggesting potential for further downside or consolidation.

FactorScore
Interest Rate Sensitivity70
Regional Economic Growth65
Digital Banking Adoption60
Regulatory Environment60
FactorScore
Valuation85
Profitability90
Growth40
Balance Sheet Health75
Cash Flow70
Dividend Yield80
FactorScore
Trend Analysis40
Momentum50
Volume Confirmation60
Support & Resistance70
Short-Term Oscillators40

AI Investing Checklist

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Bullish Points (6)

Earnings Performance chevron_right

Consistent EPS Beat

The company has exceeded earnings per share (EPS) estimates in the last four reported quarters, with an average surprise of 10.08%. This consistent outperformance indicates strong operational execution and effective cost management.

Valuation chevron_right

Undervalued P/E Ratio

The trailing twelve-month (TTM) Price-to-Earnings (P/E) ratio of 13.23 is lower than the industry average, suggesting the stock may be undervalued relative to its earnings potential.

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Bearish Points (7)

Valuation chevron_right

High Quarterly P/E Ratio

The current quarterly Price-to-Earnings (P/E) ratio is significantly high (e.g., 59.9 for 2025 Q1), suggesting that current earnings may not justify the stock's current price on a short-term basis.

Growth Deceleration chevron_right

Slowing Revenue Growth

Annual revenue has shown a downward trend from $315.4 million in 2022 to $264.1 million in 2024, indicating potential challenges in top-line growth.

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Calendar

May 2025

15

Ex-Dividend Date

June 2025

2

Next Dividend Date

July 2025

29

Next Earnings Date

EPS Est.
Revenue Est.

H: $0.55

A: $0.52

L: $0.50

H: 76.63M

A: 74.08M

L: 72.60M

Profile

Employees (FY)489
ISINUS20786W1071
FIGI-

ConnectOne Bancorp, Inc. operates as the bank holding company for ConnectOne Bank that provides commercial banking products and services for small and mid-sized businesses, local professionals, and individuals in the United States. The company offers personal and business checking, money market, and time and savings accounts; credit cards, wire transfers, safe deposit boxes, automated teller services and telephone, and internet and mobile banking. It also provides retirement accounts, consumers and cash management services for business clients, including treasury direct, automated clearing house, remote deposit capture, and digital invoicing. In addition, the company offers consumer and commercial business loans, including lines of credit, commercial and residential mortgages, home equity and bridge loans, and other personal loans; commercial loans secured by collateral, such as business assets comprising accounts receivable, inventory and equipment, and mortgages filed on commercial and residential real estate, as well as cash balances and marketable securities. Further, the company provides real estate loans, which includes loans secured by first liens on completed commercial properties, including multi-family properties, to purchase or refinance properties; residential mortgages, such as loans secured by first liens on 1-4 family and condominium; and cooperative residential real estate loans. The company was formerly known as Center Bancorp, Inc. and changed its name to ConnectOne Bancorp, Inc. in July 2014. ConnectOne Bancorp, Inc. was incorporated in 1982 and is headquartered in Englewood Cliffs, New Jersey.

Seasonals

2025
2024
2023
2022
2021

Price Target

28.70 USD

The 39 analysts offering 1 year price forecasts for CNOB have a max estimate of 31.00 and a min estimate of 25.00.

Debt Level and Coverage

Debt
Free cash flow
Cash & equivalents

Financial Position Analysis

Assets
Liabilities

Ownership

Free Float shares
35.7M (71.07%)
Closely held shares
14.5M (28.93%)
50.2M
Free Float shares
35.7M (71.07%)
Closely held shares
14.5M (28.93%)

Capital Structure

Market cap
1.22B
Debt
783.51M
Minority interest
0.00
Cash & equivalents
356.49M
Enterprise value
1.65B

Valuation - Summary

Market Cap
1.22B
Net income
57.8M(4.73%)
Revenue
204M(16.71%)
1.22B
Market Cap
1.22B
Net income
57.8M(4.73%)
Revenue
204M(16.71%)
Price to earning ratio (P/E)21.20x
Price to sales ratio (P/S)6.00x

Valuation - Ratios

P/E
P/S

Revenue to Profit Conversion

Revenue
264.06M
COGS
264.06M
Gross Profit
0.00
OpEx
0.00
Operating Income
0.00
Other & Taxes
-73.79M
Net Income
73.79M

Balance Sheet

Total assets
Total liabilities
Liabilities to assets %

Income Statement

Revenue
Net Income
Net Margin

Cash Flow

Operating Cash Flow
Investing Cash Flow
Financing Cash Flow
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