ConnectOne Bancorp

CNOB

Banks - Regional · Financial Services

Price

$32.27

+0.02 (+0.06%)

Market Cap

$1.62B

Exchange

NASDAQ

Winston Score

Winston is happy

A high-quality business with solid fundamentals.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Bank Quality

Good

Growth

Strong

Capital Strength

Exceptional

Asset Quality

Exceptional

Valuation

Strong

Dividends

Good

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Share count rising — dilution

+24.5% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 40.5M (2021) → 50.4M (2025)

Winston Score History

The full picture

ConnectOne Bancorp is a regional bank holding company based in Englewood Cliffs, New Jersey. It operates through its main subsidiary, ConnectOne Bank, which offers everyday banking services like checking and savings accounts, loans, and mortgages. Its main customers are small and mid-sized businesses, real estate investors, and individuals, primarily in the New York metropolitan area and New Jersey.

The company makes money the traditional banking way — it collects deposits and lends that money out at higher interest rates, earning the difference (called net interest income). It also generates fees from various banking services. ConnectOne operates mostly in the northeastern United States and has a market cap of around $1.6 billion, making it a mid-sized regional bank. Its focus on commercial real estate lending gives it a niche in a competitive market, but that same concentration is a key risk — if commercial real estate values fall or borrowers struggle to repay loans, the bank's financial health could be pressured.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-80.5% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+240.4% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

6.0%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$12.9B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

ConnectOne Bancorp's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on owners' money

Return on Equity

9.8%

no trend

Below its cost of capital — 9.8%

Standard mid-range return on equity. Acceptable.

Profit on lending

Net Interest Margin

3.49%

no trend

Healthy — 3.49% net interest margin

Cost of running the bank

Efficiency Ratio

45.9%

no trend

Very lean — spends 45.9¢ to earn a dollar

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Growth

Sales growth

Sales YoY

+11.9%

Steady sales growth (+11.9% YoY)

Profit growth

EPS YoY

+312.2%

Earnings growing fast (+312.2% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Capital Strength

Safety cushion

Capital Ratio

12.3%

no trend

Fortress balance sheet — 12.3% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid

Non-Performing Loans

0.42%

no trend

Clean loan book — 0.42% non-performing

Under half a percent of loans are going bad. A very clean loan book.

Loans written off

Net Charge-Offs

0.23%

no trend

Minimal losses — 0.23% net charge-offs

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Valuation

Price vs profit

P/E Ratio (TTM)

9.5x

Attractive valuation — P/E 9.5

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

+0.1

GROWING

Earnings roughly flat

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Dividends

Dividend

Dividend Yield

2.29%

Moderate income — 2.29% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record

Dividend Growth

+4.2%

Dividend growing modestly (4.2% YoY)

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