NASDAQ
CNOB
Last Price
US $32.41
KEY FIGURES
MKT CAP
$1.6B
EPS
TTM
$1.94
PEG
TTM
1.86x
P/E
TTM
16.67x
P/S
TTM
2.23x
YIELD
2.27%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
6.32%
Return on equity
ROIC: 0.74%
Valuation History
16.1X
Price to Earnings
EV/EBITDA: 10.4X
Cash flow
Profit margin
13.46%
(FY vs FY)
EBITDA Y/Y
5.45%
(FY vs FY)
Cash flow Y/Y
5.06%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $32.41
-76.27%
Default assumptions
EBITDA Multiple
Fair Value
Market $32.41
—
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
ConnectOne Bancorp, Inc. cash flow to debt ratio of 9.09% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial stability - Healthy cash flow growth.
ConnectOne Bancorp, Inc.'s free cash flow has increased 77.50% from $56.91M last year to $101.01M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
ConnectOne Bancorp, Inc.'s debt to equity ratio is 0.02, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
ConnectOne Bancorp, Inc.'s debt has decreased relative to shareholder equity from 0.63 last year to 0.02 today, signaling strengthened financials
Financial risk - Net debt/EBITDA.
ConnectOne Bancorp, Inc. has a net debt to EBITDA ratio of 8.50x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Financial stability - ICR.
ConnectOne Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial risk - Profit margin growth.
ConnectOne Bancorp, Inc.'s profit margin has decreased (-3.26%) in the last year from 13.80% to 13.35%, signaling decreasing performance
Financial stability - Short term assets vs short term liabilities.
ConnectOne Bancorp, Inc.'s short-term assets of $12.70G exceed its short-term liabilities of $32.45M
Decreasing performance - ROA.
ConnectOne Bancorp, Inc.'s return on assets of 0.69% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
ConnectOne Bancorp, Inc.'s return on equity of 6.32%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
ConnectOne Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
ConnectOne Bancorp, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
ConnectOne Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
ConnectOne Bancorp, Inc. has a free cash flow yield of 6.20%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
ConnectOne Bancorp, Inc.'s yearly earnings has increased 9.01% since last year from $73.79M to $80.44M, signaling increasing performance
Increasing performance - Healthy revenue growth.
ConnectOne Bancorp, Inc.'s yearly revenue has increased 13.44% since last year from $534.62M to $606.47M, signaling increasing performance
Decreasing performance - ROIC.
ROIC 0.74% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
ConnectOne Bancorp, Inc.'s 3-year revenue CAGR of 16.15% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
ConnectOne Bancorp, Inc. had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
ConnectOne Bancorp, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
ConnectOne Bancorp, Inc. is overvalued relative to its fair value price of 7.69 based on Discounted Cash Flow model
Undervalued - Earnings yield.
ConnectOne Bancorp, Inc. has an earnings yield of 6.00%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
ConnectOne Bancorp, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model
Overvalued - EV/EBITDA.
ConnectOne Bancorp, Inc. has an EV/EBITDA ratio of 21.36x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings
Overvalued - PEG ratio value.
ConnectOne Bancorp, Inc. has a PEG-ratio over 1 which is considered overvalued
Undervalued - P/B ratio.
ConnectOne Bancorp, Inc. has a price-to-book ratio of 1.03x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
ConnectOne Bancorp, Inc. has a price-to-sales ratio of 2.23x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue