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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
CNOB's Cash-to-Debt is ranked lower than
83% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CNOB: 0.30 )
Ranked among companies with meaningful Cash-to-Debt only.
CNOB' 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
CNOB's Equity-to-Asset is ranked higher than
70% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CNOB: 0.12 )
Ranked among companies with meaningful Equity-to-Asset only.
CNOB' 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
CNOB's Interest Coverage is ranked lower than
56% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. CNOB: 1.40 )
Ranked among companies with meaningful Interest Coverage only.
CNOB' 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
4.68%
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
CNOB's Operating Margin % is ranked lower than
52% of the 1666 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. CNOB: 30.96 )
Ranked among companies with meaningful Operating Margin % only.
CNOB' 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
CNOB's Net Margin % is ranked higher than
50% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.77 vs. CNOB: 22.67 )
Ranked among companies with meaningful Net Margin % only.
CNOB' 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
CNOB's ROE % is ranked lower than
66% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. CNOB: 6.43 )
Ranked among companies with meaningful ROE % only.
CNOB' 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
CNOB's ROA % is ranked lower than
59% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. CNOB: 0.76 )
Ranked among companies with meaningful ROA % only.
CNOB' 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
CNOB's 3-Year Revenue Growth Rate is ranked higher than
80% of the 1400 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. CNOB: 12.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CNOB' 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
CNOB's 3-Year EBITDA Growth Rate is ranked lower than
79% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CNOB: -4.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CNOB' 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
CNOB's 3-Year EPS without NRI Growth Rate is ranked lower than
80% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. CNOB: -5.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CNOB' 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 ConnectOne Bancorp Inc $CNOB.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CNOB'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:PFBC, NAS:GNBC, NAS:XBKS, NAS:BMTC, NAS:GABC, NAS:GBNK, NAS:GSBC, NAS:TRST, NAS:TSC, NAS:RBCAA, NAS:COBZ, NAS:FBNC, NAS:CTBI, NAS:HFWA, NAS:SGBK, NAS:FLIC, NAS:ORIT, NAS:UVSP, NAS:CAC, NAS:MSBI » 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 21.39
CNOB's PE Ratio is ranked lower than
78% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. CNOB: 21.39 )
Ranked among companies with meaningful PE Ratio only.
CNOB' s PE Ratio Range Over the Past 10 Years
Min: 10.56  Med: 19.85 Max: 64.55
Current: 21.39
10.56
64.55
PE Ratio without NRI 21.39
CNOB's PE Ratio without NRI is ranked lower than
78% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. CNOB: 21.39 )
Ranked among companies with meaningful PE Ratio without NRI only.
CNOB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.56  Med: 19.85 Max: 65.08
Current: 21.39
10.56
65.08
Price-to-Owner-Earnings 24.64
CNOB's Price-to-Owner-Earnings is ranked lower than
83% of the 906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.97 vs. CNOB: 24.64 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CNOB' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.98  Med: 15.69 Max: 142.67
Current: 24.64
8.98
142.67
PB Ratio 1.32
CNOB's PB Ratio is ranked lower than
58% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CNOB: 1.32 )
Ranked among companies with meaningful PB Ratio only.
CNOB' s PB Ratio Range Over the Past 10 Years
Min: 0.96  Med: 1.34 Max: 2.39
Current: 1.32
0.96
2.39
PS Ratio 4.82
CNOB's PS Ratio is ranked lower than
75% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. CNOB: 4.82 )
Ranked among companies with meaningful PS Ratio only.
CNOB' s PS Ratio Range Over the Past 10 Years
Min: 2.86  Med: 4.15 Max: 19.96
Current: 4.82
2.86
19.96
Price-to-Free-Cash-Flow 10.52
CNOB's Price-to-Free-Cash-Flow is ranked higher than
55% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. CNOB: 10.52 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CNOB' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 6.35  Med: 12.89 Max: 1621.43
Current: 10.52
6.35
1621.43
Price-to-Operating-Cash-Flow 10.11
CNOB's Price-to-Operating-Cash-Flow is ranked higher than
51% of the 959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.18 vs. CNOB: 10.11 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CNOB' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 6.07  Med: 12.34 Max: 324.29
Current: 10.11
6.07
324.29
EV-to-EBIT 24.64
CNOB's EV-to-EBIT is ranked lower than
80% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. CNOB: 24.64 )
Ranked among companies with meaningful EV-to-EBIT only.
CNOB' s EV-to-EBIT Range Over the Past 10 Years
Min: -288.6  Med: 25.8 Max: 431.4
Current: 24.64
-288.6
431.4
EV-to-EBITDA 22.84
CNOB's EV-to-EBITDA is ranked lower than
82% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.93 vs. CNOB: 22.84 )
Ranked among companies with meaningful EV-to-EBITDA only.
CNOB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -1694.8  Med: 23.3 Max: 207.8
Current: 22.84
-1694.8
207.8
PEG Ratio 7.13
CNOB's PEG Ratio is ranked lower than
92% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. CNOB: 7.13 )
Ranked among companies with meaningful PEG Ratio only.
CNOB' s PEG Ratio Range Over the Past 10 Years
Min: 0.23  Med: 0.59 Max: 85.09
Current: 7.13
0.23
85.09
Shiller PE Ratio 25.56
CNOB's Shiller PE Ratio is ranked lower than
65% of the 510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.16 vs. CNOB: 25.56 )
Ranked among companies with meaningful Shiller PE Ratio only.
CNOB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.67  Med: 19.27 Max: 31.51
Current: 25.56
10.67
31.51

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.35
CNOB's Dividend Yield % is ranked lower than
80% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. CNOB: 1.35 )
Ranked among companies with meaningful Dividend Yield % only.
CNOB' s Dividend Yield % Range Over the Past 10 Years
Min: 1.04  Med: 1.62 Max: 4.82
Current: 1.35
1.04
4.82
Dividend Payout Ratio 0.29
CNOB's Dividend Payout Ratio is ranked higher than
58% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. CNOB: 0.29 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CNOB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.15  Med: 0.29 Max: 1.25
Current: 0.29
0.15
1.25
3-Year Dividend Growth Rate 4.90
CNOB's 3-Year Dividend Growth Rate is ranked lower than
58% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CNOB: 4.90 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CNOB' 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
Forward Dividend Yield % 1.35
CNOB's Forward Dividend Yield % is ranked lower than
84% of the 2234 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. CNOB: 1.35 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.41
CNOB's 5-Year Yield-on-Cost % is ranked higher than
50% of the 2672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. CNOB: 3.41 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CNOB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.61  Med: 4.06 Max: 12.09
Current: 3.41
2.61
12.09
3-Year Average Share Buyback Ratio -24.90
CNOB's 3-Year Average Share Buyback Ratio is ranked lower than
92% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. CNOB: -24.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CNOB' 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 1.82
CNOB's Price-to-Tangible-Book is ranked lower than
73% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CNOB: 1.82 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CNOB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.01  Med: 1.87 Max: 3.21
Current: 1.82
1.01
3.21
Price-to-Intrinsic-Value-Projected-FCF 0.90
CNOB's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
60% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. CNOB: 0.90 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CNOB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.64  Med: 1.03 Max: 2.05
Current: 0.9
0.64
2.05
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.84
CNOB's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked higher than
54% of the 145 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CNOB: 0.84 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.17
CNOB's Price-to-Median-PS-Value is ranked lower than
55% of the 1561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CNOB: 1.17 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CNOB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.56  Med: 0.94 Max: 4.75
Current: 1.17
0.56
4.75
Price-to-Graham-Number 1.31
CNOB's Price-to-Graham-Number is ranked lower than
77% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. CNOB: 1.31 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CNOB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.83  Med: 1.16 Max: 2.81
Current: 1.31
0.83
2.81
Earnings Yield (Greenblatt) % 4.06
CNOB's Earnings Yield (Greenblatt) % is ranked lower than
61% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.85 vs. CNOB: 4.06 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CNOB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -0.4  Med: 3.7 Max: 10.7
Current: 4.06
-0.4
10.7
Forward Rate of Return (Yacktman) % 10.74
CNOB's Forward Rate of Return (Yacktman) % is ranked lower than
52% of the 955 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.14 vs. CNOB: 10.74 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
CNOB' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -32.9  Med: 16.25 Max: 53.3
Current: 10.74
-32.9
53.3

More Statistics

Revenue (TTM) (Mil) $143.69
EPS (TTM) $ 1.04
Beta0.60
Short Percentage of Float3.41%
52-Week Range $15.09 - 26.65
Shares Outstanding (Mil)32.01
» More Articles for CNOB

Headlines

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ConnectOne Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : CNOB-US : June 22,... Jun 22 2017
ConnectOne Bancorp, Inc. breached its 50 day moving average in a Bullish Manner : CNOB-US : June 9,... Jun 09 2017
ETFs with exposure to ConnectOne Bancorp, Inc. : June 1, 2017 Jun 01 2017
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ConnectOne Bancorp, Inc. :CNOB-US: Earnings Analysis: Q4, 2016 By the Numbers : February 1, 2017 Feb 01 2017
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ETFs with exposure to ConnectOne Bancorp, Inc. : December 22, 2016 Dec 22 2016

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