📊 CNOBP Key Takeaways
Is ConnectOne Bancorp, Inc. (CNOBP) a Good Investment?
ConnectOne Bancorp demonstrates solid fundamental growth with revenue surging 82.6% YoY and maintaining a healthy 12.5% net margin, supported by strong free cash flow generation of $101M. However, concerning leverage metrics—particularly the 1.4x interest coverage ratio and modest ROE of 5.1%—suggest elevated financial risk that warrants careful monitoring despite positive operational trends.
ConnectOne Bancorp shows solid balance-sheet stability and positive earnings growth, with net income up 8.1% year over year and a manageable reported debt-to-equity ratio of 0.32x. However, the quality of growth looks mixed because revenue rose sharply while net margin remained modest, ROE and ROA are relatively weak, and diluted EPS declined 7.4%, suggesting limited operating leverage and some pressure on shareholder returns. The fundamentals support stability more than strong upside based on current profitability and efficiency levels.
Why Buy ConnectOne Bancorp, Inc. Stock? CNOBP Key Strengths
- Exceptional revenue growth of 82.6% YoY indicating robust business expansion
- Strong free cash flow of $101M with 15.7% FCF margin demonstrates cash conversion efficiency
- Conservative debt-to-equity ratio of 0.32x provides reasonable financial flexibility
- Solid operating margin of 17.5% reflects operational efficiency
- Positive net income growth and over $100M of free cash flow generation support core earnings resilience
- Large $14.00B asset base and $1.57B equity provide balance-sheet scale and capital support
- Reported leverage appears manageable with debt-to-equity of 0.32x and meaningful cash on hand
CNOBP Stock Risks: ConnectOne Bancorp, Inc. Investment Risks
- Critically low interest coverage ratio of 1.4x suggests limited ability to service debt obligations if earnings decline
- Weak return on equity (5.1%) and return on assets (0.6%) indicate inefficient capital deployment
- Diluted EPS declined 7.4% YoY despite net income growth, signaling potential shareholder dilution concerns
- Banking sector exposure to interest rate and credit cycle risks with elevated liabilities ($12.4B) relative to equity base
- Low profitability efficiency, with 5.1% ROE and 0.6% ROA, limits fundamental strength versus stronger banks
- EPS declined despite strong revenue growth, indicating weaker growth quality and possible dilution or margin pressure
- Interest coverage of 1.4x is thin and suggests limited earnings cushion if funding costs or credit stress increase
Key Metrics to Watch
- Interest coverage ratio trend—must improve above 2.0x for financial health
- Return on equity trajectory—target minimum 8-10% for competitive banking performance
- Net interest margin stability given the 82.6% revenue growth sustainability
- Loan loss provisions and asset quality metrics as growth accelerates
- Debt maturity schedule and refinancing needs relative to operating cash flow
- Return on equity and return on assets
- EPS trend relative to net income growth
ConnectOne Bancorp, Inc. (CNOBP) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CNOBP Profit Margin, ROE & Profitability Analysis
CNOBP vs Finance Sector: How ConnectOne Bancorp, Inc. Compares
How ConnectOne Bancorp, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is ConnectOne Bancorp, Inc. Stock Overvalued? CNOBP Valuation Analysis 2026
Based on fundamental analysis, ConnectOne Bancorp, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
ConnectOne Bancorp, Inc. Balance Sheet: CNOBP Debt, Cash & Liquidity
CNOBP Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: ConnectOne Bancorp, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.07 reflects profitable operations.
CNOBP Revenue Growth, EPS Growth & YoY Performance
ConnectOne Bancorp, Inc. Dividends, Buybacks & Capital Allocation
CNOBP SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for ConnectOne Bancorp, Inc. (CIK: 0000712771)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CNOBP
What is the AI rating for CNOBP?
ConnectOne Bancorp, Inc. (CNOBP) has a Combined AI Rating of BUY from Claude (BUY) and ChatGPT (HOLD) with 74% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CNOBP's key strengths?
Claude: Exceptional revenue growth of 82.6% YoY indicating robust business expansion. Strong free cash flow of $101M with 15.7% FCF margin demonstrates cash conversion efficiency. ChatGPT: Positive net income growth and over $100M of free cash flow generation support core earnings resilience. Large $14.00B asset base and $1.57B equity provide balance-sheet scale and capital support.
What are the risks of investing in CNOBP?
Claude: Critically low interest coverage ratio of 1.4x suggests limited ability to service debt obligations if earnings decline. Weak return on equity (5.1%) and return on assets (0.6%) indicate inefficient capital deployment. ChatGPT: Low profitability efficiency, with 5.1% ROE and 0.6% ROA, limits fundamental strength versus stronger banks. EPS declined despite strong revenue growth, indicating weaker growth quality and possible dilution or margin pressure.
What is CNOBP's revenue and growth?
ConnectOne Bancorp, Inc. reported revenue of $644.9M.
Does CNOBP pay dividends?
ConnectOne Bancorp, Inc. pays dividends, with $32.0M distributed to shareholders in the trailing twelve months.
Where can I find CNOBP SEC filings?
Official SEC filings for ConnectOne Bancorp, Inc. (CIK: 0000712771) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CNOBP's EPS?
ConnectOne Bancorp, Inc. has a diluted EPS of $1.63.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is CNOBP a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, ConnectOne Bancorp, Inc. has a BUY rating with 74% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is CNOBP stock overvalued or undervalued?
Valuation metrics for CNOBP: ROE of 5.1% (sector avg: 12%), net margin of 12.5% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy CNOBP stock in 2026?
Our dual AI analysis gives ConnectOne Bancorp, Inc. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CNOBP's free cash flow?
ConnectOne Bancorp, Inc.'s operating cash flow is $106.4M, with capital expenditures of $5.4M. FCF margin is 15.7%.
How does CNOBP compare to other Finance stocks?
Vs Finance sector averages: Net margin 12.5% (avg: 25%), ROE 5.1% (avg: 12%), current ratio N/A (avg: 1.2).