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CNOB 
ConnectOne Bancorp Inc (CNOB)
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Upturn Advisory Summary
01/09/2026: CNOB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $30.6
1 Year Target Price $30.6
| 3 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -2.56% | Avg. Invested days 40 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 01/09/2026 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.34B USD | Price to earnings Ratio 20.19 | 1Y Target Price 30.6 |
Price to earnings Ratio 20.19 | 1Y Target Price 30.6 | ||
Volume (30-day avg) 4 | Beta 1.12 | 52 Weeks Range 20.16 - 28.47 | Updated Date 01/8/2026 |
52 Weeks Range 20.16 - 28.47 | Updated Date 01/8/2026 | ||
Dividends yield (FY) 2.74% | Basic EPS (TTM) 1.32 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.71% | Operating Margin (TTM) 56.71% |
Management Effectiveness
Return on Assets (TTM) 0.52% | Return on Equity (TTM) 4.41% |
Valuation
Trailing PE 20.19 | Forward PE 10.21 | Enterprise Value 1953797120 | Price to Sales(TTM) 4.53 |
Enterprise Value 1953797120 | Price to Sales(TTM) 4.53 | ||
Enterprise Value to Revenue 7.26 | Enterprise Value to EBITDA - | Shares Outstanding 50273089 | Shares Floating 47485389 |
Shares Outstanding 50273089 | Shares Floating 47485389 | ||
Percent Insiders 5.2 | Percent Institutions 73.51 |
Upturn AI SWOT
ConnectOne Bancorp Inc
Company Overview
History and Background
ConnectOne Bancorp, Inc. was founded in 2001 and is headquartered in Englewood Cliffs, New Jersey. It operates as the bank holding company for ConnectOne Bank, which offers a full range of commercial and retail banking and lending services. The company has grown through a combination of organic expansion and strategic acquisitions, consistently focusing on serving the New York-New Jersey metropolitan area. Key milestones include its initial public offering, significant branch expansions, and acquisitions that have broadened its geographic reach and service offerings.
Core Business Areas
- Commercial Banking: Focuses on providing a comprehensive suite of banking solutions to small and middle-market businesses. This includes commercial and industrial loans, commercial real estate loans, business checking and savings accounts, cash management services, and international banking services. The bank emphasizes strong client relationships and customized financial solutions.
- Retail Banking: Offers personal banking services to individuals, including checking accounts, savings accounts, money market accounts, certificates of deposit (CDs), and consumer loans. The bank aims to provide convenient and accessible banking through its branch network and digital channels.
- Lending Services: This encompasses a broad range of loan products, including SBA loans, residential mortgages, home equity lines of credit, and commercial mortgages. ConnectOne Bank is known for its expertise in commercial real estate lending.
Leadership and Structure
ConnectOne Bancorp, Inc. is led by a board of directors and a senior executive management team. Frank B. Farone serves as Chairman of the Board, and Frank Sorrentino III is the President and CEO. The company operates through its wholly-owned subsidiary, ConnectOne Bank, which has a divisional structure reflecting its various product and service offerings, such as commercial lending, retail banking, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: ConnectOne Bank is a significant player in commercial real estate lending within its operating region. While specific market share data for individual loan products is proprietary and not publicly disclosed, the bank is recognized for its strong presence in this segment. Competitors include larger regional banks and specialized commercial real estate lenders. The revenue generated from this segment is substantial, forming a core part of the bank's net interest income.
- Business Deposit Accounts: Offers a variety of business checking, savings, and money market accounts designed for small and middle-market businesses. These accounts are crucial for attracting core deposits, which are a key funding source for the bank's lending activities. Competitors range from large national banks to smaller community banks.
- SBA Loans: ConnectOne Bank actively participates in the Small Business Administration (SBA) lending programs, providing financing to small businesses. This segment is competitive, with many financial institutions offering SBA-backed loans. The bank's expertise and relationship-driven approach help it secure a share of this market.
Market Dynamics
Industry Overview
The US banking industry is highly competitive and is characterized by a dynamic regulatory environment, evolving customer preferences towards digital banking, and interest rate fluctuations. Community banks like ConnectOne Bancorp Inc. often compete by offering personalized service and a deep understanding of local markets, while also facing pressure from larger national institutions and fintech companies.
Positioning
ConnectOne Bancorp Inc. is positioned as a community-focused bank serving the affluent and commercially active New York-New Jersey metropolitan area. Its competitive advantages include a strong emphasis on customer relationships, specialized expertise in commercial real estate and business lending, and a nimble approach to serving its target market. The bank differentiates itself through its personalized service and commitment to understanding local business needs.
Total Addressable Market (TAM)
The total addressable market for ConnectOne Bancorp Inc. is primarily the commercial and retail banking needs of businesses and individuals within its geographic footprint, which is the New York-New Jersey metropolitan area. This is a vast and economically significant region. While a precise dollar value for the TAM is difficult to quantify precisely due to its diverse nature, it encompasses billions of dollars in deposits, loans, and financial services. ConnectOne Bancorp Inc. is a significant regional player, but it holds a small percentage of the overall TAM, which is dominated by much larger national and international financial institutions.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the New York-New Jersey metropolitan area.
- Expertise in commercial real estate and business lending.
- Focus on personalized customer service and relationship banking.
- Experienced management team with a deep understanding of the local market.
- Solid capital position and regulatory compliance.
Weaknesses
- Limited geographic diversification outside of its core region.
- Smaller scale compared to national and larger regional banks, potentially limiting market power.
- Reliance on interest income, making it sensitive to interest rate changes.
- Digital banking capabilities may not be as advanced as larger competitors.
Opportunities
- Expansion into adjacent geographic markets.
- Leveraging technology to enhance digital offerings and customer experience.
- Strategic acquisitions to broaden service offerings or market reach.
- Capitalizing on economic growth and business development in its service area.
- Increasing penetration of wealth management and other fee-based services.
Threats
- Intense competition from larger banks and fintech companies.
- Interest rate volatility impacting net interest margins.
- Economic downturns affecting loan demand and increasing credit risk.
- Increasing regulatory compliance costs.
- Cybersecurity threats and data breaches.
Competitors and Market Share
Key Competitors
- Provident Financial Services, Inc. (PFS)
- Hudson Valley Bank (part of United Bank)
Competitive Landscape
ConnectOne Bancorp Inc. faces a competitive landscape with both larger regional banks and smaller community banks vying for market share in the New York-New Jersey metropolitan area. Its advantages lie in its specialized lending expertise, personalized service, and deep understanding of local markets. However, it may face disadvantages in terms of scale and brand recognition compared to much larger national institutions. The company's ability to compete effectively relies on its agility, strong customer relationships, and continued focus on its core competencies.
Growth Trajectory and Initiatives
Historical Growth: ConnectOne Bancorp Inc. has experienced steady historical growth, primarily driven by organic expansion of its loan and deposit portfolios and strategic acquisitions. The company has consistently focused on increasing its asset size and market share within its target geographic region. Growth has been fueled by its expertise in commercial lending and its ability to attract and retain a loyal customer base.
Future Projections: Future growth projections for ConnectOne Bancorp Inc. are typically based on analyst estimates, which consider factors such as economic forecasts, interest rate outlooks, regulatory changes, and the company's strategic initiatives. Analysts generally project continued growth in loans and deposits, with potential for improved profitability as the company optimizes its operations and explores new opportunities. Specific growth rates would be found in analyst reports.
Recent Initiatives: ConnectOne Bancorp Inc. has been focused on enhancing its digital banking capabilities to meet evolving customer expectations, expanding its commercial lending team to drive new business, and exploring opportunities for strategic partnerships or acquisitions that align with its growth objectives. The company also continues to invest in its core markets, aiming to deepen its penetration and market share.
Summary
ConnectOne Bancorp Inc. is a well-positioned community bank in the New York-New Jersey metropolitan area, demonstrating consistent historical growth through its expertise in commercial real estate and business lending. Its strengths lie in its strong customer relationships and regional focus. However, it faces intense competition and potential interest rate volatility. The company needs to continue investing in digital transformation and potentially explore strategic growth avenues to maintain its competitive edge in a dynamic market.
Similar Stocks
Sources and Disclaimers
Data Sources:
- ConnectOne Bancorp Inc. Investor Relations
- Company SEC Filings (10-K, 10-Q)
- Industry Analysis Reports
- Financial Data Providers (e.g., Bloomberg, Refinitiv - data aggregated by AI model)
- Reputable Financial News Outlets
Disclaimers:
This JSON output is generated by an AI model and is intended for informational purposes only. It is not financial advice, and users should conduct their own due diligence and consult with a qualified financial advisor before making any investment decisions. Market share data and TAM are estimations and may not be precise. Financial performance data is based on publicly available information and may not reflect the most current figures. Competitive landscape and market share comparisons are subject to change and may vary depending on the specific metrics and timeframes analyzed.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About ConnectOne Bancorp Inc
Exchange NASDAQ | Headquaters Englewood Cliffs, NJ, United States | ||
IPO Launch date 1996-06-24 | Chairman, President & CEO Mr. Frank S. Sorrentino III | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 489 | Website https://www.connectonebank.com |
Full time employees 489 | Website https://www.connectonebank.com | ||
ConnectOne Bancorp, Inc. operates as the bank holding company for ConnectOne Bank that provides commercial banking products and services for small and mid-sized businesses, local professionals, and individuals in the United States. The company offers personal and business checking, money market, and time and savings accounts; credit cards, wire transfers, safe deposit boxes, automated teller services and telephone, and internet and mobile banking. It also provides retirement accounts, consumers and cash management services for business clients, including treasury direct, automated clearing house, remote deposit capture, and digital invoicing. In addition, the company offers consumer and commercial business loans, including lines of credit, commercial and residential mortgages, home equity and bridge loans, and other personal loans; commercial loans secured by collateral, such as business assets comprising accounts receivable, inventory and equipment, and mortgages filed on commercial and residential real estate, as well as cash balances and marketable securities. Further, the company provides real estate loans, which includes loans secured by first liens on completed commercial properties, including multi-family properties, to purchase or refinance properties; residential mortgages, such as loans secured by first liens on 1-4 family and condominium; and cooperative residential real estate loans. The company was formerly known as Center Bancorp, Inc. and changed its name to ConnectOne Bancorp, Inc. in July 2014. ConnectOne Bancorp, Inc. was incorporated in 1982 and is headquartered in Englewood Cliffs, New Jersey.
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