# ConnectOne Bancorp Inc. (CNOB) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $32.31, market value $1.6 billion.

## Valuation
- **P/E (trailing): 10.0×** (5-yr avg 10.9×, 3-yr avg 12.9×). ConnectOne Bancorp Inc. trades at 10.0× trailing earnings, close to its own five-year average of 10.9×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 8.8×, lower than trailing, so analysts expect earnings to grow.
- **Price / book: 1.1×**. The shares trade at 1.1× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 7.9%** (5-yr avg 12.7%). Free cash flow equals 7.9% of the market value, below its five-year average of 12.7%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 10.0%**. The inverse of the P/E: 10.0% of the price is earned each year.

## Profitability
- **Return on equity: 5.1%**. 5.1% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): -7.4%** (3-yr -18.5%/yr, 5-yr -1.9%/yr). Earnings per share fell 7.4%.
- **Free-cash-flow growth (3 yr): -16.5%/yr**. Free cash flow has compounded at -16.5% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: $381 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.42%** ($0.75 per share, trailing). ConnectOne Bancorp Inc. yields 2.42%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 40%** (29% of free cash flow). 40% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 15**. 15 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 14.9%/yr** (1-yr 1.4%). The dividend has compounded at 14.9% a year over five years, doubling roughly every 5 years at that pace.

## Price and momentum
- **Total return (1 yr): 28.9%** (YTD 24.9%, 3-mo 5.4%). The shares are up 28.9% over twelve months including dividends.
- **From 52-week high: -5.4%** (39.3% above the low). Trading 5% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 51**. An RSI of 51 is neutral.
- **Beta (1 yr): 0.84** (volatility 27%). Beta of 0.84 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CNOB · Page: https://foliofundamentals.com/stocks/cnob

Not investment advice.