ConnectOne Bancorp (FRA:CBM) Scaled Net Operating Assets: 0.12 (As of Mar. 2026)


FRA:CBM ConnectOne Bancorp Inc FRA:CBM
65 GF Score
Price €28.20
GF Value €24.91
Valuation Modestly Overvalued
! 6 Warning Signs
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What is ConnectOne Bancorp Scaled Net Operating Assets?

ConnectOne Bancorp FRA:CBM 65 Scaled Net Operating Assets is 0.12 as of Mar. 2026. GuruFocus rates FRA:CBM with a GF Score™ of 65/100 and a GF Value™ of €24.91 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

ConnectOne Bancorp's operating assets for the quarter that ended in Mar. 2026 was €11,450.4 Mil. ConnectOne Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was €9,997.6 Mil. ConnectOne Bancorp's Total Assets for the quarter that ended in Dec. 2025 was €11,958.3 Mil. Therefore, ConnectOne Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.12.

FRA:CBM
65GF Score
ConnectOne Bancorp Inc FRA:CBM
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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ConnectOne Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

ConnectOne Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(11633.022-9642.992)/9435.018
=0.21

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=11958.306 - 325.284
=11633.022

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=10614.673 - 221.826 - 749.855
=9642.992

ConnectOne Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(11450.389-9997.607)/11958.306
=0.12

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=12291.27 - 840.881
=11450.389

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=10914.582 - 223.202 - 693.773
=9997.607

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

What does a Scaled Net Operating Assets of 0.12 mean?
ConnectOne Bancorp (FRA:CBM) has a Scaled Net Operating Assets of 0.12 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on ConnectOne Bancorp and its competitors.
Is ConnectOne Bancorp's Scaled Net Operating Assets too high?
ConnectOne Bancorp's current Scaled Net Operating Assets is 0.12. Overall, ConnectOne Bancorp has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ConnectOne Bancorp's Scaled Net Operating Assets compare to BFC and BY?
ConnectOne Bancorp's Scaled Net Operating Assets of 0.12 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on ConnectOne Bancorp and its competitors. ConnectOne Bancorp's current Scaled Net Operating Assets is 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ConnectOne Bancorp stock overvalued right now?
Based on GuruFocus' analysis, ConnectOne Bancorp (FRA:CBM) is currently considered Modestly Overvalued. The stock's GF Value™ is €24.91, compared to a current price of €28.20 — trading 13.2% above its estimated fair value. The current Scaled Net Operating Assets is 0.12. ConnectOne Bancorp's overall GF Score™ is 65/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For ConnectOne Bancorp (FRA:CBM), the current Scaled Net Operating Assets is 0.12 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is ConnectOne Bancorp (FRA:CBM) Overvalued in 2026?

Based on GuruFocus' analysis, ConnectOne Bancorp stock appears to be overvalued. The current stock price of €28.20 is trading 13.2% above its estimated GF Value™ of €24.91. GuruFocus considers ConnectOne Bancorp to be Modestly Overvalued.

Key valuation signals for FRA:CBM:

  • Scaled Net Operating Assets: 0.12
  • GF Value™: €24.91 vs. price of €28.20 (13.2% above fair value)
  • GF Score™: 65/100 with 6 warning signs

No single metric tells the full story. See the FRA:CBM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

ConnectOne Bancorp Business Description

Other Exchanges CNOB:USA
Address 301 Sylvan Avenue, Englewood Cliffs, NJ, USA, 07632
ConnectOne Bancorp Inc is a community-based, full-service New Jersey-chartered commercial bank. Substantially all loans are secured with various types of collateral, including business assets, consumer assets, and commercial/residential real estate. Each borrower's ability to repay its loans is dependent on the conversion of assets, cash flows generated from the borrowers' business, real estate rental, and consumer wages.
65GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€28.20
Price
€24.91
GF Value