ConnectOne Bancorp, Inc. (CNOB)vsU.S. Bancorp (USB)
CNOB
ConnectOne Bancorp, Inc.
$30.66
+0.20%
FINANCIAL SERVICES · Cap: $1.51B
USB
U.S. Bancorp
$55.69
-1.95%
FINANCIAL SERVICES · Cap: $84.69B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 6942% more annual revenue ($26.65B vs $378.40M). USB leads profitability with a 29.3% profit margin vs 25.9%. USB appears more attractively valued with a PEG of 1.83. CNOB earns a higher WallStSmart Score of 78/100 (B+).
CNOB
Strong Buy78
out of 100
Grade: B+
USB
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 53.9%
Revenue surging 65.5% year-over-year
Conservative balance sheet, low leverage
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 6.2% — below average capital efficiency
Weak financial health signals
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CNOB
The strongest argument for CNOB centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 25.9% and operating margin at 53.9%. Revenue growth of 65.5% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : CNOB
The primary concerns for CNOB are PEG Ratio, Market Cap, Return on Equity.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
CNOB profiles as a growth stock while USB is a value play — different risk/reward profiles.
CNOB carries more volatility with a beta of 1.06 — expect wider price swings.
CNOB is growing revenue faster at 65.5% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
CNOB scores higher overall (78/100 vs 71/100), backed by strong 25.9% margins and 65.5% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
ConnectOne Bancorp, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ConnectOne Bancorp, Inc. is the banking holding company for ConnectOne Bank, a licensed commercial bank offering a variety of commercial banking products and services. The company is headquartered in Englewood Cliffs, New Jersey.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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