ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is ConnectOne Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 5.53%
2
Strong Long Term Fundamental Strength with a -2.13% CAGR growth in Net Profits
3
Positive results in Jun 25
- GROSS NPA (%)(Q) Lowest at 0.35%
- NII(Q) Highest at USD 78.88 MM
- CASH AND EQV(HY) Highest at USD 147.55 MM
4
With ROA of 0.47%, it has a fair valuation with a 0.98 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -11.13%, its profits have fallen by -0.3%
5
High Institutional Holdings at 80.41%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Below par performance in long term as well as near term
- Along with generating -11.13% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to ConnectOne Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is ConnectOne Bancorp, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
ConnectOne Bancorp, Inc.
-1.89%
1.26
33.31%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.49%
EBIT Growth (5y)
-1.45%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
41.00%
Pledged Shares
0
Institutional Holding
80.41%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
0.98
EV to EBIT
15.56
EV to EBITDA
14.74
EV to Capital Employed
0.98
EV to Sales
3.04
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
6.31%
ROE (Latest)
6.29%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 78.88 MM
CASH AND EQV(HY)
Highest at USD 147.55 MM
NET SALES(Q)
Highest at USD 146.03 MM
-15What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 39.23 MM
DIVIDEND PAYOUT RATIO(Y)
Lowest at 0%
CREDIT DEPOSIT RATIO(HY)
Lowest at 98.99%
OPERATING PROFIT(Q)
Lowest at USD 5.12 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 3.5 %
PRE-TAX PROFIT(Q)
Lowest at USD 5.46 MM
NET PROFIT(Q)
Lowest at USD 10.51 MM
EPS(Q)
Lowest at USD -0.52
Here's what is working for ConnectOne Bancorp, Inc.
Non Performing Loans (%)
Lowest at 0.35%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 78.88 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 146.03 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Cash and Eqv
Highest at USD 147.55 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at USD 2.58 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 2.58 MM has Grown at 87.07%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for ConnectOne Bancorp, Inc.
Pre-Tax Profit
At USD 5.46 MM has Fallen at -78.78%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Operating Cash Flow
Lowest at USD 39.23 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Net Profit
At USD 10.51 MM has Fallen at -44.74%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Operating Profit
Lowest at USD 5.12 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at 3.5 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD 5.46 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 10.51 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD -0.52
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Lowest at 98.99%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Lowest at 0%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
Capital Adequacy Ratio
Lowest at 11.06%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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