ConnectOne Bancorp Inc (CNOB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
ConnectOne Bancorp Inc stock (CNOB) is currently trading at $26.27. ConnectOne Bancorp Inc PE ratio is 15.92. ConnectOne Bancorp Inc PS ratio (Price-to-Sales) is 3.90. Analyst consensus price target for CNOB is $31.30. WallStSmart rates CNOB as Buy.
- CNOB PE ratio analysis and historical PE chart
- CNOB PS ratio (Price-to-Sales) history and trend
- CNOB intrinsic value — DCF, Graham Number, EPV models
- CNOB stock price prediction 2025 2026 2027 2028 2029 2030
- CNOB fair value vs current price
- CNOB insider transactions and insider buying
- Is CNOB undervalued or overvalued?
- ConnectOne Bancorp Inc financial analysis — revenue, earnings, cash flow
- CNOB Piotroski F-Score and Altman Z-Score
- CNOB analyst price target and Smart Rating
ConnectOne Bancorp Inc
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CNOB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · ConnectOne Bancorp Inc (CNOB)
CNOB trades at a significant discount to its Graham intrinsic value of $76.28, offering a 64% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
ConnectOne Bancorp Inc (CNOB) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
ConnectOne Bancorp Inc (CNOB) Key Strengths (6)
Keeps $52 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Revenue surging 59.70% year-over-year
Earnings per share surging 53.10% year-over-year
Keeps $24 of every $100 in revenue as net profit
75.34% of shares held by major funds and institutions
Supporting Valuation Data
ConnectOne Bancorp Inc (CNOB) Areas to Watch (4)
Low profitability relative to shareholder equity
Small-cap company with higher risk but more growth potential
Growth is fairly priced, not cheap, not expensive
Revenue is fairly priced at 3.90x sales
ConnectOne Bancorp Inc (CNOB) Detailed Analysis Report
Overall Assessment
This company scores 80/100 in our Smart Analysis, earning a A- grade. Out of 10 metrics analyzed, 6 register as strengths (avg 10.0/10) while 4 fall into concern territory (avg 5.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Revenue Growth. Valuation metrics including Price/Book (0.89) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 52.20%, Profit Margin at 24.00%. Growth metrics are encouraging with Revenue Growth at 59.70%, EPS Growth at 53.10%.
The Bear Case
The primary concerns are Return on Equity, Market Cap, PEG Ratio. Some valuation metrics including PEG Ratio (1.83), Price/Sales (3.90) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 5.72%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 5.72% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 59.70% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Book makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current A- grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CNOB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CNOB's Price-to-Sales ratio of 3.90x trades at a deep discount to its historical average of 9.26x (1th percentile). The current valuation is 76% below its historical high of 15.95x set in Dec 2013, and 2% above its historical low of 3.83x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for ConnectOne Bancorp Inc (CNOB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
ConnectOne Bancorp Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 335M with 60% growth year-over-year. Profit margins are strong at 24.0%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 60% YoY, reaching 335M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 572.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can ConnectOne Bancorp Inc maintain 60%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 275.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact ConnectOne Bancorp Inc.
Bottom Line
ConnectOne Bancorp Inc offers an attractive blend of growth (60% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About ConnectOne Bancorp Inc(CNOB)
NASDAQ
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.