ConnectOne Bancorp Inc (CNOB)vsU.S. Bancorp (USB)
CNOB
ConnectOne Bancorp Inc
$26.27
-0.30%
FINANCIAL SERVICES · Cap: $1.32B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 7774% more annual revenue ($26.35B vs $334.71M). USB leads profitability with a 28.7% profit margin vs 24.0%. USB appears more attractively valued with a PEG of 1.80. CNOB earns a higher WallStSmart Score of 80/100 (A-).
CNOB
Exceptional Buy80
out of 100
Grade: A-
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+63.8%
Fair Value
$75.82
Current Price
$26.27
$49.55 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 52.2%
Revenue surging 59.7% year-over-year
Earnings expanding 53.1% YoY
Keeps 24 of every $100 in revenue as profit
Attractively priced relative to earnings
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 5.7% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CNOB
The strongest argument for CNOB centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 24.0% and operating margin at 52.2%. Revenue growth of 59.7% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
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, 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 1.11 — expect wider price swings.
CNOB is growing revenue faster at 59.7% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
CNOB scores higher overall (80/100 vs 75/100), backed by strong 24.0% margins and 59.7% revenue growth. USB offers better value entry with a 75.8% margin of safety. Both earn "Exceptional 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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