CNOB
Financial ServicesConnectOne Bancorp, Inc. · Banks - Regional · $2B
What is ConnectOne Bancorp, Inc.?
ConnectOne Bancorp is the holding company for ConnectOne Bank, a community-focused commercial bank serving small and mid-sized businesses, professionals, and individuals across Northern New Jersey, the New York Metro area, and South Florida.
ConnectOne Bank generates revenue primarily through interest income on loans — including commercial mortgages, construction loans, and consumer lending — and through deposit-gathering across its branch network. Fee-based services such as treasury management, wire transfers, and digital banking round out the business model.
Founded in 1994 and headquartered in Englewood Cliffs, New Jersey.
- Commercial and consumer lending
- Business and personal deposit accounts
- Commercial mortgage and construction loans
- Digital and mobile banking services
Is CNOB a Good Stock to Buy?
UQS Score rates CNOB as Below Average overall.
The Risk pillar stands out as a relative bright spot, suggesting the bank maintains a measured approach to credit and balance-sheet management. Valuation is rated Attractive, meaning the stock may be priced below what the underlying fundamentals would typically command.
Both the Moat and Growth pillars are rated Weak, reflecting limited competitive differentiation and subdued expansion prospects in a competitive regional banking landscape.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does CNOB pay dividends?
Yes — ConnectOne Bancorp, Inc. pays a dividend.
ConnectOne Bancorp pays a regular dividend, consistent with many community and regional banks that return capital to shareholders alongside loan growth. Income-oriented investors may find the dividend cadence appealing, though payout sustainability should be evaluated alongside the bank's earnings trend.
When does CNOB report earnings?
ConnectOne Bancorp reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
Growth and Quality pillar ratings suggest the bank has faced headwinds in expanding revenue and maintaining above-average profitability metrics relative to peers. Net interest margin dynamics and loan demand in its core markets remain key variables to watch.
For the most recent quarter's results, visit ConnectOne Bancorp's investor relations page directly.
CNOB Price History
+16.0% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in ConnectOne Bancorp, Inc.?
Based on ConnectOne Bancorp, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does ConnectOne Bancorp do?
ConnectOne Bancorp operates ConnectOne Bank, providing commercial banking services to small and mid-sized businesses, professionals, and individuals. Its core activities include commercial lending, mortgage origination, and deposit-taking across New Jersey, the New York Metro area, and South Florida.
Does CNOB pay dividends?
Yes, ConnectOne Bancorp pays a regular dividend. This is common among community bank holding companies that balance capital returns with lending growth. Investors should review the company's investor relations page for the current dividend rate and payment schedule.
When does CNOB report earnings?
CNOB follows a standard quarterly earnings calendar. Specific dates are not covered by our data source, so check ConnectOne Bancorp's investor relations page or a financial calendar service for the next scheduled release.
Is CNOB a good stock to buy?
UQS Score rates CNOB as Below Average overall. The Valuation pillar is Attractive and Risk is rated Good, but weak Moat and Growth ratings temper the overall picture. The full pillar breakdown is available to Pro members.
Is CNOB overvalued?
The UQS Valuation pillar for CNOB is rated Attractive, suggesting the stock is not considered overvalued relative to its fundamentals at this time. Valuation alone, however, does not determine overall stock quality — see the full analysis for context.
What is CNOB's market cap bracket?
ConnectOne Bancorp is classified as a small-cap stock, placing it among smaller regional and community bank holding companies rather than the large national or super-regional banks.
Is CNOB a long-term quality indicator?
From a long-term quality perspective, CNOB's Below Average UQS Score — driven by Weak Moat and Growth ratings — suggests limited structural advantages for sustained outperformance. The Good Risk rating provides some stability, but long-term investors should weigh all five pillars carefully.
What sector does CNOB belong to?
ConnectOne Bancorp operates in the Financial Services sector, specifically within the community and regional banking segment. It competes with other small and mid-sized bank holding companies focused on commercial lending and deposit services.
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Pro Analysis
CNOB — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 21, 2026 | 51.8 | 54.0 | 24.0 | 38.0 | 72.7 | 92.1 | 0.0 |
| May 20, 2026 | 51.8 | 54.0 | 24.0 | 38.0 | 72.7 | 92.2 | 0.0 |
| May 19, 2026 | 51.8 | 54.0 | 24.0 | 38.0 | 72.7 | 92.1 | 0.0 |
| May 16, 2026 | 51.8 | 54.0 | 24.0 | 38.0 | 72.7 | 92.3 | 0.0 |
| May 12, 2026 | 51.8 | 54.0 | 24.0 | 38.0 | 72.7 | 91.9 | 0.0 |
| May 11, 2026 | 51.8 | 54.0 | 24.0 | 38.0 | 72.7 | 91.8 | -0.1 |
| May 10, 2026 | 51.9 | 54.2 | 24.0 | 38.0 | 72.7 | 92.4 | +0.2 |
| May 7, 2026 | 51.7 | 54.1 | 24.0 | 37.8 | 72.7 | 91.4 | -0.5 |
| May 3, 2026 | 52.2 | 55.2 | 24.0 | 37.8 | 72.7 | 92.9 | 0.0 |
| May 1, 2026 | 52.2 | 55.2 | 24.0 | 37.8 | 72.7 | 93.1 | -0.1 |
CNOB — Pillar Breakdown
Quality
— 54.0/100 (25%)ConnectOne Bancorp, Inc. has average quality metrics, with room for improvement in margins or capital efficiency.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 38.0/100 (20%)ConnectOne Bancorp, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 72.7/100 (15%)ConnectOne Bancorp, Inc. maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 91.6/100 (15%)ConnectOne Bancorp, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 24/100 (25%)ConnectOne Bancorp, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for CNOB.
Score Composition
Financial Data
More Stock Analysis
How is the CNOB UQS Score Calculated?
The UQS (Unified Quality Score) for ConnectOne Bancorp, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses ConnectOne Bancorp, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether ConnectOne Bancorp, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.