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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.30
CNBC's Cash-to-Debt is ranked lower than
83% of the 1656 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.12 vs. CNBC: 0.30 )
Ranked among companies with meaningful Cash-to-Debt only.
CNBC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.33 Max: No Debt
Current: 0.3
Equity-to-Asset 0.12
CNBC's Equity-to-Asset is ranked higher than
69% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CNBC: 0.12 )
Ranked among companies with meaningful Equity-to-Asset only.
CNBC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.13
Current: 0.12
0.06
0.13
Interest Coverage 1.40
CNBC's Interest Coverage is ranked lower than
56% of the 1583 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. CNBC: 1.40 )
Ranked among companies with meaningful Interest Coverage only.
CNBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.03  Med: 1.57 Max: 2.57
Current: 1.4
0.03
2.57
Beneish M-Score: -2.44
WACC vs ROIC
4.71%
3.62%
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 : 6/10

vs
industry
vs
history
Operating Margin % 30.96
CNBC's Operating Margin % is ranked lower than
52% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.61 vs. CNBC: 30.96 )
Ranked among companies with meaningful Operating Margin % only.
CNBC' s Operating Margin % Range Over the Past 10 Years
Min: 3.57  Med: 31.07 Max: 51.68
Current: 30.96
3.57
51.68
Net Margin % 22.67
CNBC's Net Margin % is ranked higher than
50% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.71 vs. CNBC: 22.67 )
Ranked among companies with meaningful Net Margin % only.
CNBC' s Net Margin % Range Over the Past 10 Years
Min: 11.65  Med: 21.78 Max: 37.57
Current: 22.67
11.65
37.57
ROE % 6.43
CNBC's ROE % is ranked lower than
66% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. CNBC: 6.43 )
Ranked among companies with meaningful ROE % only.
CNBC' s ROE % Range Over the Past 10 Years
Min: 3.49  Med: 6.58 Max: 12.02
Current: 6.43
3.49
12.02
ROA % 0.76
CNBC's ROA % is ranked lower than
59% of the 1669 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. CNBC: 0.76 )
Ranked among companies with meaningful ROA % only.
CNBC' s ROA % Range Over the Past 10 Years
Min: 0.34  Med: 0.73 Max: 1.21
Current: 0.76
0.34
1.21
3-Year Revenue Growth Rate 12.10
CNBC's 3-Year Revenue Growth Rate is ranked higher than
80% of the 1397 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. CNBC: 12.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CNBC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -13.4  Med: 8.6 Max: 12.5
Current: 12.1
-13.4
12.5
3-Year EBITDA Growth Rate -4.40
CNBC's 3-Year EBITDA Growth Rate is ranked lower than
79% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. CNBC: -4.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CNBC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -50.2  Med: 6.8 Max: 51.3
Current: -4.4
-50.2
51.3
3-Year EPS without NRI Growth Rate -5.80
CNBC's 3-Year EPS without NRI Growth Rate is ranked lower than
80% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. CNBC: -5.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CNBC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -27.8  Med: 3 Max: 63.6
Current: -5.8
-27.8
63.6
GuruFocus has detected 4 Warning Signs with Center Bancorp Inc $CNBC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CNBC's 30-Y Financials

Financials (Next Earnings Date: 2017-07-22 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:WNEB, NAS:AMNB, NAS:PFIS, NAS:PCSB, NAS:GNTY, NAS:MCBC, NAS:MBVT, NAS:OLBK, NAS:CNBKA, NAS:CCBG, NAS:BSRR, NAS:OSBC, NAS:CCNE, NAS:FFKT, NAS:NKSH, NAS:FNLC, NAS:PBNC, NAS:BLMT, NAS:HMPR, NAS:MBRG » details
Headquarter Location:USA
ConnectOne Bancorp Inc is a one-bank holding company. The company through its holding provides banking services including lending, depository and related financial services to commercial, industrial and governmental customers.

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.

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Ratios

vs
industry
vs
history
PE Ratio 22.36
CNBC's PE Ratio is ranked lower than
79% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. CNBC: 22.36 )
Ranked among companies with meaningful PE Ratio only.
CNBC' s PE Ratio Range Over the Past 10 Years
Min: 10.56  Med: 19.85 Max: 64.55
Current: 22.36
10.56
64.55
PE Ratio without NRI 22.36
CNBC's PE Ratio without NRI is ranked lower than
80% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. CNBC: 22.36 )
Ranked among companies with meaningful PE Ratio without NRI only.
CNBC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.56  Med: 19.85 Max: 65.08
Current: 22.36
10.56
65.08
Price-to-Owner-Earnings 25.75
CNBC's Price-to-Owner-Earnings is ranked lower than
84% of the 904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.22 vs. CNBC: 25.75 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CNBC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.98  Med: 15.69 Max: 142.67
Current: 25.75
8.98
142.67
PB Ratio 1.38
CNBC's PB Ratio is ranked lower than
61% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CNBC: 1.38 )
Ranked among companies with meaningful PB Ratio only.
CNBC' s PB Ratio Range Over the Past 10 Years
Min: 0.96  Med: 1.34 Max: 2.39
Current: 1.38
0.96
2.39
PS Ratio 5.03
CNBC's PS Ratio is ranked lower than
76% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. CNBC: 5.03 )
Ranked among companies with meaningful PS Ratio only.
CNBC' s PS Ratio Range Over the Past 10 Years
Min: 2.86  Med: 4.15 Max: 19.96
Current: 5.03
2.86
19.96
Price-to-Free-Cash-Flow 10.99
CNBC's Price-to-Free-Cash-Flow is ranked higher than
54% of the 877 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.52 vs. CNBC: 10.99 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CNBC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 6.35  Med: 12.94 Max: 1621.43
Current: 10.99
6.35
1621.43
Price-to-Operating-Cash-Flow 10.56
CNBC's Price-to-Operating-Cash-Flow is ranked lower than
51% of the 958 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.47 vs. CNBC: 10.56 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CNBC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 6.07  Med: 12.37 Max: 324.29
Current: 10.56
6.07
324.29
EV-to-EBIT 25.36
CNBC's EV-to-EBIT is ranked lower than
81% of the 1267 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.36 vs. CNBC: 25.36 )
Ranked among companies with meaningful EV-to-EBIT only.
CNBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -288.6  Med: 25.9 Max: 431.4
Current: 25.36
-288.6
431.4
EV-to-EBITDA 23.51
CNBC's EV-to-EBITDA is ranked lower than
83% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.09 vs. CNBC: 23.51 )
Ranked among companies with meaningful EV-to-EBITDA only.
CNBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -1694.8  Med: 23.35 Max: 207.8
Current: 23.51
-1694.8
207.8
PEG Ratio 7.47
CNBC's PEG Ratio is ranked lower than
92% of the 852 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. CNBC: 7.47 )
Ranked among companies with meaningful PEG Ratio only.
CNBC' s PEG Ratio Range Over the Past 10 Years
Min: 0.23  Med: 0.59 Max: 85.09
Current: 7.47
0.23
85.09
Shiller PE Ratio 26.71
CNBC's Shiller PE Ratio is ranked lower than
67% of the 509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.59 vs. CNBC: 26.71 )
Ranked among companies with meaningful Shiller PE Ratio only.
CNBC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.67  Med: 19.27 Max: 31.51
Current: 26.71
10.67
31.51

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.48
CNBC's Dividend Yield % is ranked lower than
81% of the 2338 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.52 vs. CNBC: 1.48 )
Ranked among companies with meaningful Dividend Yield % only.
CNBC' s Dividend Yield % Range Over the Past 10 Years
Min: 1.04  Med: 1.62 Max: 4.82
Current: 1.48
1.04
4.82
Dividend Payout Ratio 0.24
CNBC's Dividend Payout Ratio is ranked higher than
58% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. CNBC: 0.24 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CNBC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.15  Med: 0.29 Max: 1.25
Current: 0.24
0.15
1.25
3-Year Dividend Growth Rate 4.90
CNBC's 3-Year Dividend Growth Rate is ranked lower than
58% of the 802 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. CNBC: 4.90 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CNBC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 3.8 Max: 35.7
Current: 4.9
0
35.7
5-Year Yield-on-Cost % 3.71
CNBC's 5-Year Yield-on-Cost % is ranked lower than
52% of the 2673 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.17 vs. CNBC: 3.71 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CNBC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.61  Med: 4.06 Max: 12.09
Current: 3.71
2.61
12.09
3-Year Average Share Buyback Ratio -24.90
CNBC's 3-Year Average Share Buyback Ratio is ranked lower than
92% of the 1081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. CNBC: -24.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CNBC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -24.9  Med: -4.1 Max: 2.7
Current: -24.9
-24.9
2.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.90
CNBC's Price-to-Tangible-Book is ranked lower than
75% of the 1622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. CNBC: 1.90 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CNBC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.01  Med: 1.87 Max: 3.21
Current: 1.9
1.01
3.21
Price-to-Intrinsic-Value-Projected-FCF 0.94
CNBC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
63% of the 914 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. CNBC: 0.94 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CNBC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.64  Med: 1.03 Max: 2.05
Current: 0.94
0.64
2.05
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.87
CNBC's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
51% of the 142 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CNBC: 0.87 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.22
CNBC's Price-to-Median-PS-Value is ranked lower than
58% of the 1559 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CNBC: 1.22 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CNBC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.56  Med: 0.94 Max: 4.75
Current: 1.22
0.56
4.75
Earnings Yield (Greenblatt) % 3.94
CNBC's Earnings Yield (Greenblatt) % is ranked lower than
62% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. CNBC: 3.94 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CNBC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -0.4  Med: 3.7 Max: 10.7
Current: 3.94
-0.4
10.7
Forward Rate of Return (Yacktman) % 10.47
CNBC's Forward Rate of Return (Yacktman) % is ranked lower than
52% of the 952 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.26 vs. CNBC: 10.47 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
CNBC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -32.9  Med: 16.25 Max: 53.3
Current: 10.47
-32.9
53.3

More Statistics

Short Percentage of Float1.27%
52-Week Range $13.00 - 21.27
Shares Outstanding (Mil)16.40

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