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Upturn AI SWOT - About
CNOB 
ConnectOne Bancorp Inc (CNOB)
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Upturn Advisory Summary
10/15/2025: 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 $29.62
1 Year Target Price $29.62
| 3 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 5.38% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.17B USD | Price to earnings Ratio 28.4 | 1Y Target Price 29.62 |
Price to earnings Ratio 28.4 | 1Y Target Price 29.62 | ||
Volume (30-day avg) 4 | Beta 1.13 | 52 Weeks Range 20.31 - 28.69 | Updated Date 10/16/2025 |
52 Weeks Range 20.31 - 28.69 | Updated Date 10/16/2025 | ||
Dividends yield (FY) 2.85% | Basic EPS (TTM) 0.82 |
Earnings Date
Report Date 2025-10-23 | When Before Market | Estimate 0.67 | Actual - |
Profitability
Profit Margin 15.5% | Operating Margin (TTM) 18.02% |
Management Effectiveness
Return on Assets (TTM) 0.32% | Return on Equity (TTM) 2.76% |
Valuation
Trailing PE 28.4 | Forward PE 10.21 | Enterprise Value 1853144192 | Price to Sales(TTM) 4.84 |
Enterprise Value 1853144192 | Price to Sales(TTM) 4.84 | ||
Enterprise Value to Revenue 8.47 | Enterprise Value to EBITDA - | Shares Outstanding 50270162 | Shares Floating 47485815 |
Shares Outstanding 50270162 | Shares Floating 47485815 | ||
Percent Insiders 5.19 | Percent Institutions 71.55 |
Upturn AI SWOT
ConnectOne Bancorp Inc
Company Overview
History and Background
ConnectOne Bancorp, Inc. was founded in 2005 and is headquartered in Englewood Cliffs, New Jersey. It operates primarily in the New York and New Jersey metropolitan area. The bank focuses on providing financial services to small and medium-sized businesses.
Core Business Areas
- Commercial Lending: Provides a range of commercial loan products, including term loans, lines of credit, and commercial real estate loans, tailored to the needs of businesses.
- Retail Banking: Offers deposit accounts, personal loans, and other retail banking services to individual customers.
- SBA Lending: Participates in the Small Business Administration (SBA) lending program, providing loans to small businesses with government guarantees.
- Cash Management Services: Offers cash management solutions to businesses, including online banking, lockbox services, and other treasury management tools.
Leadership and Structure
ConnectOne Bancorp Inc. is led by Frank Sorrentino III (Chairman and CEO). The organizational structure consists of executive management overseeing various departments such as lending, retail banking, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties. ConnectOne has a strong presence in the NY/NJ market. Competitors: Regional and national banks like Bank of America (BAC) and JPMorgan Chase (JPM).
- SBA Loans: Facilitates access to capital for small businesses through SBA-backed loans. Competitors: Other SBA lenders, including regional banks and credit unions.
- Commercial & Industrial (C&I) Loans: Loans for businesses' operational needs like working capital. Competitors: Other SBA lenders, including regional banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently navigating a period of economic uncertainty, influenced by interest rate hikes, regulatory changes, and increasing competition from fintech companies. Community and regional banks face pressure to maintain profitability while managing credit risk.
Positioning
ConnectOne Bancorp Inc. is a regional bank with a focus on small and medium-sized businesses. Its competitive advantages include a strong local presence, personalized service, and expertise in SBA lending.
Total Addressable Market (TAM)
The TAM for commercial lending in the NY/NJ metro area is estimated to be in the tens of billions of dollars annually. ConnectOne is positioned to capture a portion of this market through its focus on SMBs.
Upturn SWOT Analysis
Strengths
- Strong local presence in the NY/NJ metropolitan area
- Expertise in SBA lending
- Personalized customer service
- Sound asset quality
Weaknesses
- Limited geographic diversification
- Relatively smaller size compared to national banks
- Susceptibility to interest rate risk
Opportunities
- Expansion into new markets
- Adoption of new technologies to enhance efficiency
- Increased demand for SBA loans
- Partnerships with fintech companies
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns affecting loan demand and credit quality
- Changes in regulatory requirements
- Rising interest rates impacting net interest margin
Competitors and Market Share
Key Competitors
- BAC
- JPM
- USB
- KEY
Competitive Landscape
ConnectOne differentiates itself through localized service and SBA expertise, while facing stiff competition from larger national banks with greater resources and broader product offerings. Fintech companies also pose a growing threat.
Major Acquisitions
Mercantile Bank Holding Corp.
- Year: 2020
- Acquisition Price (USD millions): 427
- Strategic Rationale: Expanded ConnectOne's presence in the New York metropolitan area and enhanced its commercial lending capabilities.
Growth Trajectory and Initiatives
Historical Growth: Discuss ConnectOne Bancorp Inc's growth trends over the past years.
Future Projections: Provide projections for ConnectOne Bancorp Inc's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by ConnectOne Bancorp Inc.
Summary
ConnectOne Bancorp is a regional bank with a solid footing in the NY/NJ area, specializing in SMB services. Its strength lies in local expertise and SBA lending, but it's vulnerable to larger banks and market shifts. Expansion and tech adoption are key to future growth, but they must manage competitive pressures and regulatory changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
- FDIC Data
Disclaimers:
This analysis is based on publicly available information and does not constitute financial advice. Market conditions and company performance can change, impacting the accuracy of the analysis.
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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