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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.17
CNOB's Cash to Debt is ranked lower than
86% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. CNOB: 0.17 )
Ranked among companies with meaningful Cash to Debt only.
CNOB' s 10-Year Cash to Debt Range
Min: 0.06  Med: 0.33 Max: No Debt
Current: 0.17
Equity to Asset 0.13
CNOB's Equity to Asset is ranked higher than
77% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CNOB: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
CNOB' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.08 Max: 0.13
Current: 0.13
0.06
0.13
Interest Coverage 1.85
CNOB's Interest Coverage is ranked higher than
54% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. CNOB: 1.85 )
Ranked among companies with meaningful Interest Coverage only.
CNOB' s 10-Year Interest Coverage Range
Min: 0.02  Med: 0.52 Max: 2.47
Current: 1.85
0.02
2.47
F-Score: 5
WACC vs ROIC
7.39%
4.16%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 35.85
CNOB's Operating margin (%) is ranked higher than
65% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. CNOB: 35.85 )
Ranked among companies with meaningful Operating margin (%) only.
CNOB' s 10-Year Operating margin (%) Range
Min: 2.28  Med: 34.54 Max: 51.68
Current: 35.85
2.28
51.68
Net-margin (%) 23.92
CNOB's Net-margin (%) is ranked higher than
58% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. CNOB: 23.92 )
Ranked among companies with meaningful Net-margin (%) only.
CNOB' s 10-Year Net-margin (%) Range
Min: 11.65  Med: 24.24 Max: 37.57
Current: 23.92
11.65
37.57
ROE (%) 7.20
CNOB's ROE (%) is ranked lower than
57% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. CNOB: 7.20 )
Ranked among companies with meaningful ROE (%) only.
CNOB' s 10-Year ROE (%) Range
Min: 3.49  Med: 12.00 Max: 16.79
Current: 7.2
3.49
16.79
ROA (%) 0.90
CNOB's ROA (%) is ranked higher than
55% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. CNOB: 0.90 )
Ranked among companies with meaningful ROA (%) only.
CNOB' s 10-Year ROA (%) Range
Min: 0.34  Med: 0.89 Max: 1.21
Current: 0.9
0.34
1.21
Revenue Growth (3Y)(%) 8.60
CNOB's Revenue Growth (3Y)(%) is ranked higher than
74% of the 1186 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. CNOB: 8.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CNOB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -13.4  Med: 8.60 Max: 12.5
Current: 8.6
-13.4
12.5
EBITDA Growth (3Y)(%) -3.00
CNOB's EBITDA Growth (3Y)(%) is ranked lower than
75% of the 1046 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. CNOB: -3.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CNOB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -50  Med: 7.00 Max: 51.5
Current: -3
-50
51.5
EPS Growth (3Y)(%) -0.40
CNOB's EPS Growth (3Y)(%) is ranked lower than
71% of the 1055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. CNOB: -0.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CNOB' s 10-Year EPS Growth (3Y)(%) Range
Min: -28  Med: 3.40 Max: 63.6
Current: -0.4
-28
63.6
» CNOB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

CNOB Guru Trades in Q2 2014

Jim Simons 275,774 sh (+2517.20%)
Leon Cooperman 545,000 sh (unchged)
John Keeley 11,500 sh (unchged)
» More
Q3 2014

CNOB Guru Trades in Q3 2014

Jim Simons 414,576 sh (+50.33%)
John Keeley 11,500 sh (unchged)
Leon Cooperman Sold Out
» More
Q4 2014

CNOB Guru Trades in Q4 2014

John Keeley 16,500 sh (+43.48%)
Jim Simons 470,378 sh (+13.46%)
» More
Q1 2015

CNOB Guru Trades in Q1 2015

Jim Simons 497,276 sh (+5.72%)
John Keeley 16,500 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with CNOB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 22.78
CNOB's P/E(ttm) is ranked lower than
81% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. CNOB: 22.78 )
Ranked among companies with meaningful P/E(ttm) only.
CNOB' s 10-Year P/E(ttm) Range
Min: 10.55  Med: 18.26 Max: 63.75
Current: 22.78
10.55
63.75
PE(NRI) 22.70
CNOB's PE(NRI) is ranked lower than
81% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. CNOB: 22.70 )
Ranked among companies with meaningful PE(NRI) only.
CNOB' s 10-Year PE(NRI) Range
Min: 10.56  Med: 18.31 Max: 62.48
Current: 22.7
10.56
62.48
P/B 1.42
CNOB's P/B is ranked lower than
72% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CNOB: 1.42 )
Ranked among companies with meaningful P/B only.
CNOB' s 10-Year P/B Range
Min: 1.05  Med: 1.45 Max: 2.39
Current: 1.42
1.05
2.39
P/S 5.54
CNOB's P/S is ranked lower than
85% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. CNOB: 5.54 )
Ranked among companies with meaningful P/S only.
CNOB' s 10-Year P/S Range
Min: 2.86  Med: 4.10 Max: 20.04
Current: 5.54
2.86
20.04
PFCF 20.73
CNOB's PFCF is ranked lower than
78% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.28 vs. CNOB: 20.73 )
Ranked among companies with meaningful PFCF only.
CNOB' s 10-Year PFCF Range
Min: 6.38  Med: 17.25 Max: 74.9
Current: 20.73
6.38
74.9
POCF 19.04
CNOB's POCF is ranked lower than
81% of the 923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.67 vs. CNOB: 19.04 )
Ranked among companies with meaningful POCF only.
CNOB' s 10-Year POCF Range
Min: 6.1  Med: 13.82 Max: 283.75
Current: 19.04
6.1
283.75
EV-to-EBIT 29.49
CNOB's EV-to-EBIT is ranked lower than
83% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.91 vs. CNOB: 29.49 )
Ranked among companies with meaningful EV-to-EBIT only.
CNOB' s 10-Year EV-to-EBIT Range
Min: -288.5  Med: 34.20 Max: 431.4
Current: 29.49
-288.5
431.4
PEG 0.82
CNOB's PEG is ranked higher than
62% of the 582 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CNOB: 0.82 )
Ranked among companies with meaningful PEG only.
CNOB' s 10-Year PEG Range
Min: 0.24  Med: 0.39 Max: 13.74
Current: 0.82
0.24
13.74
Shiller P/E 24.99
CNOB's Shiller P/E is ranked lower than
75% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.77 vs. CNOB: 24.99 )
Ranked among companies with meaningful Shiller P/E only.
CNOB' s 10-Year Shiller P/E Range
Min: 12.52  Med: 20.20 Max: 27.14
Current: 24.99
12.52
27.14
Days Sales Outstanding 40.95
CNOB's Days Sales Outstanding is ranked lower than
59% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.80 vs. CNOB: 40.95 )
Ranked among companies with meaningful Days Sales Outstanding only.
CNOB' s 10-Year Days Sales Outstanding Range
Min: 41.45  Med: 65.35 Max: 107.09
Current: 40.95
41.45
107.09

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.42
CNOB's Dividend Yield is ranked lower than
78% of the 2216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. CNOB: 1.42 )
Ranked among companies with meaningful Dividend Yield only.
CNOB' s 10-Year Dividend Yield Range
Min: 1.04  Med: 2.21 Max: 4.82
Current: 1.42
1.04
4.82
Dividend Payout 0.33
CNOB's Dividend Payout is ranked higher than
51% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CNOB: 0.33 )
Ranked among companies with meaningful Dividend Payout only.
CNOB' s 10-Year Dividend Payout Range
Min: 0.12  Med: 0.43 Max: 5
Current: 0.33
0.12
5
Dividend growth (3y) 35.70
CNOB's Dividend growth (3y) is ranked higher than
88% of the 664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CNOB: 35.70 )
Ranked among companies with meaningful Dividend growth (3y) only.
CNOB' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 1.50 Max: 35.7
Current: 35.7
0
35.7
Yield on cost (5-Year) 2.42
CNOB's Yield on cost (5-Year) is ranked lower than
62% of the 2229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. CNOB: 2.42 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CNOB' s 10-Year Yield on cost (5-Year) Range
Min: 1.78  Med: 3.79 Max: 8.27
Current: 2.42
1.78
8.27
Share Buyback Rate -12.90
CNOB's Share Buyback Rate is ranked lower than
81% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CNOB: -12.90 )
Ranked among companies with meaningful Share Buyback Rate only.
CNOB' s 10-Year Share Buyback Rate Range
Min: 1.6  Med: -1.90 Max: -12.9
Current: -12.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.14
CNOB's Price/Tangible Book is ranked lower than
87% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. CNOB: 2.14 )
Ranked among companies with meaningful Price/Tangible Book only.
CNOB' s 10-Year Price/Tangible Book Range
Min: 1.01  Med: 1.87 Max: 3.29
Current: 2.14
1.01
3.29
Price/Projected FCF 1.11
CNOB's Price/Projected FCF is ranked lower than
80% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. CNOB: 1.11 )
Ranked among companies with meaningful Price/Projected FCF only.
CNOB' s 10-Year Price/Projected FCF Range
Min: 0.74  Med: 1.03 Max: 2.7
Current: 1.11
0.74
2.7
Price/Median PS Value 1.36
CNOB's Price/Median PS Value is ranked lower than
80% of the 1195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. CNOB: 1.36 )
Ranked among companies with meaningful Price/Median PS Value only.
CNOB' s 10-Year Price/Median PS Value Range
Min: 0.61  Med: 0.93 Max: 4.83
Current: 1.36
0.61
4.83
Price/Peter Lynch Fair Value 0.91
CNOB's Price/Peter Lynch Fair Value is ranked higher than
54% of the 336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. CNOB: 0.91 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CNOB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.44  Med: 0.77 Max: 4.51
Current: 0.91
0.44
4.51
Price/Graham Number 1.54
CNOB's Price/Graham Number is ranked lower than
90% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CNOB: 1.54 )
Ranked among companies with meaningful Price/Graham Number only.
CNOB' s 10-Year Price/Graham Number Range
Min: 0.79  Med: 1.18 Max: 2.73
Current: 1.54
0.79
2.73
Earnings Yield (Greenblatt) (%) 3.40
CNOB's Earnings Yield (Greenblatt) (%) is ranked lower than
74% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CNOB: 3.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CNOB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 2.90 Max: 10.7
Current: 3.4
0.2
10.7
Forward Rate of Return (Yacktman) (%) 31.63
CNOB's Forward Rate of Return (Yacktman) (%) is ranked higher than
79% of the 764 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.55 vs. CNOB: 31.63 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CNOB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -20  Med: 6.00 Max: 51.5
Current: 31.63
-20
51.5

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
ConnectOne Bancorp Inc is a one-bank holding company, incorporated in the state of New Jersey on November 12, 1982. It is a bank holding company which owns and manages Union Center National Bank (the Bank). The Bank provides a full range of banking services to individual and corporate customers through branch locations in Union, Morris, and Bergen and, commencing in May 2013, Mercer counties, New Jersey. The Bank offers various lending, depository and related financial services to commercial, industrial and governmental customers. In the lending area, the banks services include short and medium term loans, lines of credit, letters of credit, working capital loans, real estate construction loans and mortgage loans. In the depository area, the Bank offers demand deposits, savings accounts and time deposits. In addition, the bank offers collection services, wire transfers, night depository and lock box services. The Bank offers a range of consumer banking services, including interest bearing and non-interest bearing checking accounts, savings accounts, money market accounts, certificates of deposit, IRA accounts, Automated Teller Machine (ATM) accessibility using Star Systems, Inc. service, secured and unsecured loans, mortgage loans, home equity lines of credit, safe deposit boxes, Christmas club accounts, vacation club accounts, money orders and travelers' checks. The bank, through its subsidiary, provides financial services, including brokerage services, insurance and annuities, mutual funds and financial planning. The Bank offers various money market services. It deals in U.S. Treasury and U.S. Governmental agency securities, certificates of deposits, commercial paper and repurchase agreements. The Bank is subject to competition from other financial institutions and the regulations of certain federal and state agencies and undergoes periodic examinations by those regulatory authorities. The operations of the Bank are subject to requirements and restrictions under federal law, including requirements to maintain reserves against deposits, restrictions on the types and amounts of loans that may be granted, and limitations on the types of investments that may be made and the types of services which may be offered.
» More Articles for CNOB

Headlines

Articles On GuruFocus.com
Five Banks with CEO Purchases in the Past Week: BKMU, MSFG, BDGE, UVSP, CNBC Feb 16 2011 
Center Bancorp Inc. (CNBC) CEO Anthony Weagley buys 5,270 Shares Feb 11 2011 
Center Bancorp Inc. (CNBC) CEO Anthony Weagley buys 6,296 Shares Dec 22 2010 
Center Bancorp Inc. Reports Operating Results (10-Q) Aug 06 2010 
June 1, 2010 52-Week Low Wrap-Up Jun 01 2010 
May 27, 2010 52-Week Low Round-Up: Bank of Kentucky Financial, Hornbeck Offshore Services, Monsanto, May 27 2010 
Center Bancorp Inc. Reports Operating Results (10-Q/A) May 21 2010 
Center Bancorp Inc. Reports Operating Results (10-Q) May 10 2010 
Center Bancorp Inc. Reports Operating Results (10-K/A) May 03 2010 
Center Bancorp Inc. (CNBC) CEO Anthony Weagley buys 1,071 Shares Oct 14 2009 

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