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Company Analysis

ConnectOne Bancorp, Inc. CNOB

A comprehensive view of key metrics, scores, and financial health for ConnectOne Bancorp, Inc.

Overview of ConnectOne Bancorp, Inc.

CNOB NMS
Financial Services Banks - Regional Small Cap
ConnectOne Bancorp, Inc. (CNOB), is a Small Cap company, in the Banks - Regional industry, last closed at $25.53, about 14.8% undervalued vs fair value, +8.5% 1Y return, placing in the top 25% of its sector.
$25.53
0.39%
As of March 13, 2026
Previous close • Vol 90d: 27.7%
52-Week Range
Market Cap
$1.28B
Enterprise Value
$2.36B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.connectonebank.com
HQ Englewood Cliffs, NJ
Employees 750
Fiscal year Dec 31

Next Events

Earnings Apr 30 Estimated

Fair Value Snapshot

Bear Base Bull
$16
$29
$55
Current: $25.53 +15% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$644.9M
24.5%%
Interest Expense
$291.6M
Net Interest Income
$353.3M
42.8%%
Total Revenue
$606.5M
129.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
6.0%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$40.2M
59.5% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating ConnectOne Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
34
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
33
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CNOB's balance between Growth (58.3%), Profitability (20.0%), and Safety (21.7%). Growth 58% Safety 22% Profitability 20%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

87th percentile vs peers
87
Key Signals
Rev Growth YoY 1.30 90p Asset Growth YoY 41.7% 96p Revenue CAGR 3Y 24.4% 72p
Strengths
  • Growth performance in top 20% of peers (percentile: 87)
  • Rev Growth Yoy in top 20% of peers (1.30, 90th percentile)
  • Asset Growth Yoy in top 20% of peers (41.7%, 96th percentile)
Risks

No significant risks identified for this axis.

Profitability

29th percentile vs peers
30
Key Signals
Strengths
Risks
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Safety

32th percentile vs peers
32
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for ConnectOne Bancorp, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$29.31
- - -
+14.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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