US · CNOB
ConnectOne Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Englewood Cliffs, NJ 07632
- Website
- connectonebank.com
Price · as of 2025-12-31
$29.37
Market cap 1.33B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $44.07 | +50.05% |
| Intrinsic Value(DCF) | $10.73 | -63.47% |
| Graham-Dodd Method(GD) | $23.51 | -19.94% |
| Graham Formula(GF) | $33.43 | +13.81% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $7.50 | $38.53 | $7.39 | $9.40 | $20.03 |
| 2012 | $9.78 | $41.05 | $21.92 | $11.28 | $12.40 |
| 2013 | $15.11 | $34.58 | $23.32 | $11.35 | $14.80 |
| 2014 | $14.82 | $34.75 | $17.39 | $12.46 | $51.74 |
| 2015 | $13.11 | $30.58 | $16.74 | $13.41 | $73.78 |
| 2016 | $19.35 | $39.39 | $28.84 | $13.30 | $22.20 |
| 2017 | $25.88 | $44.40 | $21.35 | $15.40 | $25.01 |
| 2018 | $17.37 | $46.04 | $16.64 | $19.45 | $45.82 |
| 2019 | $16.98 | $46.69 | $20.23 | $21.39 | $69.20 |
| 2020 | $23.51 | $48.03 | $21.07 | $21.48 | $41.25 |
| 2021 | $28.84 | $50.45 | $26.26 | $31.80 | $20.76 |
| 2022 | $19.32 | $32.12 | $28.68 | $29.41 | $93.65 |
| 2023 | $18.49 | $29.41 | $29.51 | $24.77 | $82.74 |
| 2024 | $23.30 | $28.09 | $29.85 | $23.58 | $26.74 |
| 2025 | $26.83 | $44.07 | $0.00 | $23.51 | $33.42 |
AI valuation
Our deep-learning model estimates ConnectOne Bancorp, Inc.'s (CNOB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $44.07
- Current price
- $29.37
- AI upside
- +50.05%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$10.73
-63.47% upside
Graham-Dodd
$23.51
-19.94% upside
Graham Formula
$33.43
+13.81% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CNOB | ConnectOne Bancorp, Inc. | $29.37 | 1.33B | +50% | -63% | -20% | +14% | 16.81 | 0.86 | 2.23 | 10.46 | — | 1.05 | 44.17% | 18.59% | 13.26% | 5.72% | 5.25% | 0.67% | 0.74 | 0.39 | 391.51 | 391.51 | 9.56 | -1591.00% | 1344.00% | 7750.00% | 7.47% | 3.28 | 6.59% | 2.81% | 47.20% | 2.81% | 10.46 | 11.68 | 1.94 | 1.29 |
| BFC | Bank First Corporation | $134.67 | 1.51B | +1% | +12% | -13% | -16% | 19.02 | 0.82 | 5.65 | 14.38 | 169.33 | 0.82 | 70.34% | 36.67% | 29.73% | 6.22% | 7.08% | 1.60% | 0.07 | 1.26 | 0.05 | 0.05 | -0.13 | 1123.00% | 771.00% | -11989.00% | -0.86% | 0.00 | -1.15% | 4.22% | 80.20% | 5.84% | 15.29 | -115.62 | 5.61 | -0.28 |
| BY | Byline Bancorp, Inc. | $31.20 | 1.43B | +53% | -2% | +3% | -14% | 10.93 | 1.12 | 2.26 | 2.78 | 214.79 | 1.33 | 66.12% | 29.06% | 20.66% | 11.02% | 54.45% | 1.36% | 0.45 | 0.98 | 0.31 | 0.31 | 2.69 | 509.00% | 130.00% | -6976.00% | 3.64% | 0.01 | 20.52% | 1.28% | 14.00% | 2.95% | 2.85 | 10.08 | 0.83 | -0.09 |
| DCOM | Dime Community Bancshares… | $32.35 | 1.42B | +29% | +425% | +35% | +63% | 12.81 | 0.96 | 1.94 | -8.70 | 3.87 | 1.08 | 56.12% | 21.47% | 15.15% | 7.71% | -100.70% | 0.75% | 0.25 | 0.57 | 0.25 | 0.25 | -12.65 | 33091.00% | 1303.00% | 9659.00% | 12.87% | 0.01 | -165.98% | 0.00% | 0.00% | 118.47% | -8.70 | -7.48 | -1.87 | -0.53 |
| FSUN | FirstSun Capital Bancorp | $36.47 | 1.02B | +20% | +24% | +33% | +44% | 14.20 | 1.03 | 1.99 | 5.40 | — | 1.25 | 64.79% | 17.61% | 14.00% | 7.88% | 16.21% | 0.95% | 0.11 | 0.58 | 0.10 | 0.10 | -4.76 | -3407.00% | 1131.00% | -2084.00% | 8.91% | 0.02 | 20.52% | 0.00% | 0.00% | 50.05% | 5.98 | 5.94 | 1.05 | -0.61 |
| HOPE | Hope Bancorp, Inc. | $11.26 | 1.44B | +44% | +1% | -32% | -80% | 23.88 | 0.64 | 1.52 | -9.16 | — | 0.84 | 48.60% | 8.34% | 6.05% | 2.79% | 6.08% | 0.35% | 0.17 | 0.17 | 0.72 | 0.70 | -1.96 | -4390.00% | -323.00% | 4167.00% | 10.30% | 0.04 | 14.32% | 4.81% | 114.80% | 11.52% | -9.49 | -5.06 | -0.79 | 0.14 |
| PFBC | Preferred Bank | $87.72 | 1.07B | +27% | +45% | +32% | -50% | 8.42 | 1.43 | 2.26 | 3.79 | 106.97 | 1.43 | 54.97% | 37.98% | 26.78% | 17.21% | 49.09% | 1.84% | 0.53 | 0.88 | 0.29 | 0.29 | -2.52 | 788.00% | -411.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 3.79 | — | 1.44 | 0.07 |
| QCRH | QCR Holdings, Inc. | $86.50 | 1.46B | +21% | +3% | +11% | -15% | 11.59 | 1.33 | 2.47 | 14.83 | 96.03 | 1.53 | 57.72% | 22.77% | 21.31% | 12.06% | 9.41% | 1.37% | 0.56 | 0.58 | 28.87 | 28.87 | 3.98 | 1207.00% | 153.00% | -8608.00% | 3.78% | 21.02 | 4.12% | 0.00% | 0.00% | 0.00% | 14.83 | 36.19 | 3.38 | 0.22 |
| RBCAA | Republic Bancorp, Inc. | $69.00 | 1.2B | +52% | +11% | +26% | +19% | 10.49 | 1.25 | 2.64 | 5.40 | 37.49 | 1.30 | 74.02% | 31.79% | 25.19% | 12.54% | 19.16% | 1.89% | 0.57 | 1.60 | 14.82 | 14.82 | 2.46 | 2799.00% | 431.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 5.40 | — | 1.72 | 0.50 |
| WABC | Westamerica Bancorporatio… | $50.65 | 1.26B | -31% | +46% | -45% | — | 10.93 | 1.36 | 4.67 | -16.15 | — | 1.56 | 95.16% | 57.64% | 42.74% | 12.74% | -5.99% | 1.93% | 0.15 | 11.43 | 0.95 | 0.95 | -2.64 | -1288.00% | -1264.00% | -1282.00% | 9.60% | 0.02 | -6.29% | 3.70% | 40.40% | 3.70% | -16.78 | -21.57 | -9.67 | 0.38 |
| WAFD | WaFd, Inc. | $31.16 | 2.38B | +7% | +11% | -9% | -40% | 11.31 | 0.84 | 1.81 | 3.68 | 217.42 | 0.98 | 50.90% | 20.54% | 16.03% | 7.49% | 15.33% | 0.83% | 0.60 | 0.42 | 0.15 | 0.15 | 3.87 | 520.00% | -158.00% | -4977.00% | 8.15% | 0.01 | 14.12% | 3.88% | 43.90% | 7.87% | 3.80 | 5.29 | 0.78 | -0.62 |
About ConnectOne Bancorp, Inc.
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 Northern New Jersey and New York Metropolitan area, and South Florida market. The company offers personal and business checking, retirement, money market, and time and savings accounts. It also provides consumer and commercial business loans on a secured and unsecured basis; revolving lines of credit; commercial mortgage loans; residential mortgages on primary and secondary residences; home equity loans; bridge loans; other personal purpose loans; and commercial construction and real estate loans. In addition, the company offers check cards, ATM cards, credit cards, wire transfers, access to automated teller services, Internet banking, treasury direct, automated clearing house origination, mobile banking by phone, safe deposit boxes, and remote deposit capture services. It operates through a network of eight banking offices in Bergen County, five banking offices in Union County, one banking office in Morris County, one office in Essex County, one office in Hudson County, one office in Monmouth County, one banking office in Manhattan in New York City, one office in Nassau County on Long Island, one in Astoria, and five branches in the Hudson Valley, as well as one financial center in West Palm Beach in Palm Beach County. 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.
- CEO
- Frank S. Sorrentino
- Employees
- 489
- Beta
- 1.13
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($10.73 ÷ $29.37) − 1 = -63.47% (DCF, example).