ConnectOne Bancorp, Inc. (CNOB)vsU.S. Bancorp (USB)
CNOB
ConnectOne Bancorp, Inc.
$31.80
+0.66%
FINANCIAL SERVICES · Cap: $1.59B
USB
U.S. Bancorp
$62.84
+0.69%
FINANCIAL SERVICES · Cap: $97.91B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 6063% more annual revenue ($27.32B vs $443.30M). CNOB leads profitability with a 36.1% profit margin vs 29.9%. CNOB appears more attractively valued with a PEG of 1.83. CNOB earns a higher WallStSmart Score of 80/100 (B+).
CNOB
Strong Buy80
out of 100
Grade: B+
USB
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 55.2%
Revenue surging 134.2% year-over-year
Conservative balance sheet, low leverage
Strong operational efficiency at 39.7%
Large-cap with strong market position
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 21.6% YoY
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 6.2% — below average capital efficiency
Weak financial health signals
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CNOB
The strongest argument for CNOB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 36.1% and operating margin at 55.2%. Revenue growth of 134.2% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.9% and operating margin at 39.7%. Revenue growth of 10.4% demonstrates continued momentum.
Bear Case : CNOB
The primary concerns for CNOB are PEG Ratio, Market Cap, Return on Equity.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
CNOB profiles as a growth stock while USB is a mature play — different risk/reward profiles.
CNOB carries more volatility with a beta of 1.02 — expect wider price swings.
CNOB is growing revenue faster at 134.2% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
CNOB scores higher overall (80/100 vs 77/100), backed by strong 36.1% margins and 134.2% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
ConnectOne Bancorp, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ConnectOne Bancorp, Inc. is the banking holding company for ConnectOne Bank, a licensed commercial bank offering a variety of commercial banking products and services. The company is headquartered in Englewood Cliffs, New Jersey.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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