📊 CNOBP Key Takeaways
Investment Thesis
ConnectOne Bancorp demonstrates solid fundamental growth with revenue surging 82.6% YoY and maintaining a healthy 12.5% net margin, supported by strong free cash flow generation of $101M. However, concerning leverage metrics—particularly the 1.4x interest coverage ratio and modest ROE of 5.1%—suggest elevated financial risk that warrants careful monitoring despite positive operational trends.
CNOBP Strengths
- Exceptional revenue growth of 82.6% YoY indicating robust business expansion
- Strong free cash flow of $101M with 15.7% FCF margin demonstrates cash conversion efficiency
- Conservative debt-to-equity ratio of 0.32x provides reasonable financial flexibility
- Solid operating margin of 17.5% reflects operational efficiency
CNOBP Risks
- Critically low interest coverage ratio of 1.4x suggests limited ability to service debt obligations if earnings decline
- Weak return on equity (5.1%) and return on assets (0.6%) indicate inefficient capital deployment
- Diluted EPS declined 7.4% YoY despite net income growth, signaling potential shareholder dilution concerns
- Banking sector exposure to interest rate and credit cycle risks with elevated liabilities ($12.4B) relative to equity base
Key Metrics to Watch
- Interest coverage ratio trend—must improve above 2.0x for financial health
- Return on equity trajectory—target minimum 8-10% for competitive banking performance
- Net interest margin stability given the 82.6% revenue growth sustainability
- Loan loss provisions and asset quality metrics as growth accelerates
- Debt maturity schedule and refinancing needs relative to operating cash flow
CNOBP Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CNOBP Profitability Ratios
CNOBP vs Finance Sector
How ConnectOne Bancorp, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CNOBP Balance Sheet & Liquidity
CNOBP 5-Year Financial Trend
5-Year Trend Summary: ConnectOne Bancorp, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.07 reflects profitable operations.
CNOBP Growth Metrics (YoY)
CNOBP Capital Allocation
CNOBP SEC Filings
Access official SEC EDGAR filings for ConnectOne Bancorp, Inc. (CIK: 0000712771)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CNOBP
What is the AI rating for CNOBP?
ConnectOne Bancorp, Inc. (CNOBP) has an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CNOBP's key strengths?
Exceptional revenue growth of 82.6% YoY indicating robust business expansion. Strong free cash flow of $101M with 15.7% FCF margin demonstrates cash conversion efficiency.
What are the risks of investing in CNOBP?
Critically low interest coverage ratio of 1.4x suggests limited ability to service debt obligations if earnings decline. Weak return on equity (5.1%) and return on assets (0.6%) indicate inefficient capital deployment.
What is CNOBP's revenue and growth?
ConnectOne Bancorp, Inc. reported revenue of $644.9M.
Does CNOBP pay dividends?
ConnectOne Bancorp, Inc. pays dividends, with $32.0M distributed to shareholders in the trailing twelve months.
Where can I find CNOBP SEC filings?
Official SEC filings for ConnectOne Bancorp, Inc. (CIK: 0000712771) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CNOBP's EPS?
ConnectOne Bancorp, Inc. has a diluted EPS of $1.63.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.