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Upturn AI SWOT - About
CNOB 
ConnectOne Bancorp Inc (CNOB)
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Upturn Advisory Summary
06/30/2025: CNOB (1-star) is currently NOT-A-BUY. Pass it for now.
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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $28.7
1 Year Target Price $28.7
| 3 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 13.73% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.17B USD | Price to earnings Ratio 12.72 | 1Y Target Price 28.7 |
Price to earnings Ratio 12.72 | 1Y Target Price 28.7 | ||
Volume (30-day avg) 4 | Beta 1.1 | 52 Weeks Range 17.46 - 28.90 | Updated Date 06/29/2025 |
52 Weeks Range 17.46 - 28.90 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.08% | Basic EPS (TTM) 1.84 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.92% | Operating Margin (TTM) 46.66% |
Management Effectiveness
Return on Assets (TTM) 0.78% | Return on Equity (TTM) 6.22% |
Valuation
Trailing PE 12.72 | Forward PE 10.21 | Enterprise Value 1394824576 | Price to Sales(TTM) 4.57 |
Enterprise Value 1394824576 | Price to Sales(TTM) 4.57 | ||
Enterprise Value to Revenue 7.38 | Enterprise Value to EBITDA - | Shares Outstanding 50206600 | Shares Floating 35683507 |
Shares Outstanding 50206600 | Shares Floating 35683507 | ||
Percent Insiders 5.19 | Percent Institutions 56.92 |
Analyst Ratings
Rating 2 | Target Price 28.7 | Buy 1 | Strong Buy 3 |
Buy 1 | Strong Buy 3 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
ConnectOne Bancorp Inc
Company Overview
History and Background
ConnectOne Bancorp Inc. was founded in 2005. It operates as the holding company for ConnectOne Bank, a community bank that provides a range of financial products and services to small and middle-market businesses, individuals, and professionals.
Core Business Areas
- Commercial Banking: Offers commercial loans, lines of credit, and deposit accounts to businesses.
- Retail Banking: Provides personal banking services, including deposit accounts, mortgages, and consumer loans.
- Small Business Banking: Offers specialized banking solutions for small businesses, including SBA loans.
Leadership and Structure
Frank Sorrentino III is the Chairman and CEO. The company operates with a traditional corporate structure, including a board of directors and executive management team responsible for overseeing the bank's operations and strategic direction.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial real estate loans are a significant part of ConnectOne's portfolio. Competitors include large national banks, regional banks, and other community banks.
- Small Business Administration (SBA) Loans: SBA loans are offered to small businesses. Competitors include other SBA lenders, credit unions, and online lenders.
- Commercial and Industrial (C&I) Loans: C&I loans cater to the working capital and expansion needs of businesses. Competitors include larger commercial banks and non-bank lenders.
Market Dynamics
Industry Overview
The banking industry is highly competitive and heavily regulated. Factors affecting performance include interest rates, economic growth, and regulatory changes.
Positioning
ConnectOne is positioned as a relationship-focused community bank, primarily serving the New York metropolitan area. It differentiates itself through personalized service and local market expertise.
Total Addressable Market (TAM)
The TAM for commercial banking services in the New York metropolitan area is estimated to be in the billions of dollars. ConnectOne is focused on capturing a larger share by focusing on small to medium-sized businesses.
Upturn SWOT Analysis
Strengths
- Strong relationships with local businesses
- Experienced management team
- Focus on niche markets (e.g., SBA lending)
- Solid asset quality
Weaknesses
- Geographic concentration in the New York metropolitan area
- Smaller size compared to larger regional and national banks
- Reliance on traditional banking model
Opportunities
- Expansion into new geographic markets
- Increased demand for SBA loans
- Adoption of digital banking technologies
- Acquisition of smaller banks or branches
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- TD
- JPM
- USB
- BAC
- C
Competitive Landscape
ConnectOne's advantage lies in its personalized service and local market knowledge, while its disadvantage is its smaller scale compared to larger competitors. The company must focus on niche markets to efficiently compete.
Growth Trajectory and Initiatives
Historical Growth: Historical growth patterns not available without real-time access.
Future Projections: Future projections not available without real-time access.
Recent Initiatives: Recent initiatives not available without real-time access.
Summary
ConnectOne Bancorp Inc. is a smaller regional bank with strengths in local relationships and SBA lending. However, it faces challenges from larger competitors and potential economic downturns. Focusing on its niche markets and embracing digital transformation is critical for future success. The bank is in a fairly stable position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Third-party financial data providers
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is estimated. Financial data may be delayed.
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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