Stocks · Financial Services · Banks - Regional
ConnectOne Bancorp, Inc. CNOB
$30.78 +1.45% Close, Oct 2, 2026 · NASDAQ · Market cap $1.55B
Strong growthInexpensive vs sector
Next earnings report: Oct 29, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $3.21, up 269.0% year over year.
- The diluted share count rose 19.5% in a year.
- Operating margin widened to 18.1% from 9.5% a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth81Strong
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 34%
- EPS growth (TTM, YoY)Top 4%
- FCF growth (TTM, YoY)Top 6%
- Revenue growth, 3-year CAGRTop 45%
- Revenue growth accelerationBottom 5%
Quality25Very weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 37%
- Gross marginBottom 18%
- Operating marginBottom 42%
- Cash conversion (OCF / net income)Bottom 32%
- Accruals (lower is better)Bottom 29%
- Net debt / EBITDA (lower is better)Top 27%
- Interest coverBottom 19%
Value80Strong
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 15%
- Free-cash-flow yieldTop 47%
- EBITDA / enterprise valueTop 42%
- Sales / enterprise valueTop 34%
- P/E vs own 5-year history (lower is better)Top 31%
Momentum68Positive
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 24%
- 6-month returnTop 31%
- 1-year return vs S&P 500Top 25%
- Distance from 52-week highTop 48%
- Trend checklist (0–4)Top 48%
Revisions82Strong
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 41%
- Consecutive EPS beatsTop 16%
- Share of analysts rating BuyTop 6%
- Upside to consensus price targetBottom 34%
Stability51Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 45%
- Maximum drawdown, 3 yearsTop 47%
- Beta vs S&P 500 (lower is better)Bottom 31%
- Net debt / EBITDA (lower is better)Top 27%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 38.4% | 11.9% | ↓ |
| EPS growth (YoY) | 2.2% | 269.0% | ↑ |
| Gross margin | 44.2% | 45.3% | ↑ |
| Operating margin | 9.5% | 18.1% | ↑ |
| FCF margin | 6.5% | 21.0% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 11.9% | 38.4% | ↓ | Top 34% |
| EPS growth (TTM, YoY) | 269.0% | 2.2% | ↑ | Top 4% |
| Gross margin | 45.3% | 44.2% | ↑ | Bottom 18% |
| Operating margin | 18.1% | 9.5% | ↑ | Bottom 42% |
| Net margin | 26.1% | 6.8% | ↑ | — |
| Free-cash-flow margin | 21.0% | 6.5% | ↑ | — |
| Return on invested capital | 0.6% | — | Bottom 37% | |
| Revenue growth, 3-year CAGR | 16.2% | — | Top 45% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.84×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.8%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -10.9 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.05×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.39%
- Net buyback yield (TTM)
- 0.16%
- Shareholder yield
- 2.55%
- Share count change, 1 year
- +19.5%
- Share count change, 3-year CAGR
- +8.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 4, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 7
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +6.4%
- Average 2-day reaction, last 8
- -0.3%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $34.00
- Target vs current price
- +10.5%
- Analysts with a rating
- 11
- Share rating Buy or Strong Buy
- 91%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +2.9% | -4.8% | -0.6% | -2.9% | — |
| Apr 23, 2026 | +2.7% | +3.3% | +3.6% | +6.6% | +19.5% |
| Jan 29, 2026 | +12.2% | -0.9% | -0.1% | -0.3% | +2.4% |
| Oct 30, 2025 | +7.7% | +0.2% | +3.6% | +6.8% | +17.4% |
| Jul 29, 2025 | +5.8% | -4.2% | -7.5% | +2.1% | -0.2% |
| Apr 24, 2025 | +10.9% | +2.0% | +0.8% | +2.5% | +11.5% |
| Jan 30, 2025 | +23.8% | +5.2% | +11.0% | +5.6% | -6.0% |
| Oct 24, 2024 | -2.3% | -3.3% | -2.9% | +4.4% | -9.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.84 | $0.82 | +2.9% | $122.8M |
| Apr 23, 2026 | $0.75 | $0.73 | +2.7% | $116.6M |
| Jan 29, 2026 | $0.83 | $0.74 | +12.2% | $114.6M |
| Oct 30, 2025 | $0.70 | $0.65 | +7.7% | $121.4M |
| Jul 29, 2025 | $0.55 | $0.52 | +5.8% | $84.1M |
| Apr 24, 2025 | $0.51 | $0.46 | +10.9% | $70.2M |
| Jan 30, 2025 | $0.52 | $0.42 | +23.8% | $68.5M |
| Oct 24, 2024 | $0.43 | $0.44 | -2.3% | $65.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 9.6× | 10.4× | 33th | Top 15% |
| P/E (forward) | 9.5× | — | — | — |
| EV / EBITDA | 12.8× | — | — | Top 42% |
| EV / Sales | 2.52× | — | — | Top 34% |
| Free-cash-flow yield | 8.31% | — | — | Top 47% |
| Earnings yield | 10.43% | — | — | Top 15% |
P/E over the past five years
Range 5.1× – 26.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +25.5%
- Earnings per share growth (TTM)
- +269.0%
- Change in P/E multiple
- -60.2%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 216
- 50-day average slope (20 days)
- -1.9%
- 200-day average slope (20 days)
- +1.9%
- Distance from 50-day average
- -3.9%
- Distance from 200-day average
- +3.9%
- RSI (14)
- 43.3
- Relative volume
- 0.92×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 21.5%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.86
- Correlation with S&P 500
- 0.45
- Current drawdown from 1-year high
- -9.8%
- Maximum drawdown, 3 years
- -27.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 14, 2022 | May 16, 2023 | -63.5% | 334 days | Not yet recovered |
| Jun 8, 2021 | Jul 19, 2021 | -14.2% | 28 days | 16 days (Aug 10, 2021) |
| Oct 22, 2020 | Nov 4, 2020 | -11.8% | 9 days | 3 days (Nov 9, 2020) |
| Nov 15, 2021 | Dec 20, 2021 | -11.1% | 24 days | 12 days (Jan 6, 2022) |
| Jan 14, 2021 | Jan 27, 2021 | -10.5% | 8 days | 4 days (Feb 2, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.55B
- P/E (TTM)
- 9.6
- EPS, diluted (TTM)
- $3.21
- Revenue (TTM)
- $612.3M
- Dividend yield
- 2.44%
- 52-week range
- $23.20 – $34.14
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $316.8M | $387.0M | $504.1M | $534.6M | $606.5M |
| Gross profit | $283.4M | $297.6M | $260.9M | $250.3M | $267.9M |
| Operating income | $175.1M | $171.2M | $117.0M | $98.5M | $112.7M |
| Net income | $130.4M | $125.2M | $87.0M | $73.8M | $80.4M |
| EPS (diluted) | $3.22 | $3.01 | $2.07 | $1.76 | $1.48 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $135.0M | $131.8M | $129.2M | $151.2M | $207.1M | $188.8M | $186.9M | $29.4M |
| Net income | $17.2M | $20.4M | $20.2M | -$20.3M | $41.0M | $39.5M | $37.8M | $41.7M |
| EPS (diluted) | $0.41 | $0.49 | $0.49 | -$0.52 | $0.91 | $0.75 | $0.75 | $0.80 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $202.3M | $176.8M | $92.9M | $60.7M | $106.4M |
| Capital expenditure | -$2.8M | -$3.3M | -$7.4M | -$3.8M | -$5.4M |
| Free cash flow | $199.5M | $173.5M | $85.5M | $56.9M | $101.0M |
| Dividends paid | -$17.5M | -$23.4M | -$25.9M | -$27.3M | -$32.0M |
| Net share buybacks | -$10.7M | -$15.3M | -$19.4M | -$7.2M | -$2.2M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.22B
- Total assets
- $14.41B
- Total liabilities
- $12.79B
- Total debt
- $32.9M
- Net debt
- -$6.6M
- Shareholders’ equity
- $1.63B
As of Jun 30, 2026 (filed Aug 4, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 14, 2026 | $0.20 | Sep 1, 2026 |
| May 15, 2026 | $0.20 | Jun 1, 2026 |
| Feb 13, 2026 | $0.18 | Mar 2, 2026 |
| Nov 14, 2025 | $0.18 | Dec 1, 2025 |
| Aug 15, 2025 | $0.18 | Sep 2, 2025 |
| May 15, 2025 | $0.18 | Jun 2, 2025 |
| Feb 18, 2025 | $0.18 | Mar 3, 2025 |
| Nov 15, 2024 | $0.18 | Dec 2, 2024 |
Short interest
- Shares sold short
- 1,820,969
- Days to cover
- 5.56
- Change vs previous report
- +13.9%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Apr 27, 2007
- 21-for-20
- May 26, 2005
- 21-for-20
- May 14, 2004
- 21-for-20
- Jun 3, 2003
- 2-for-1
- May 15, 2002
- 21-for-20