COMP <GO>
CNOB vs CASH // NET PROFIT MARGIN
ConnectOne Bancorp Inc. (NASDAQ) VS. Pathward Financial Inc. (NASDAQ) • 15-METRIC TALLY: CNOB 3
— CASH 3
■ METRIC PARITY
LAST: $32.87 (+2.37%) • MKT CAP: $1.65B
net-margins
—
LAST: $77.43 (+2.82%) • MKT CAP: $1.61B
net-margins
22.10%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CNOB VS. CASH)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CNOB | CASH | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 5.10% | 21.80% | -16.70 | CASH | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 5.70% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin ACTIVE | — | 22.10% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 5.30% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.80% | 0.29% | +1.51 | CNOB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 6/9 | -1.00 | CASH | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 61.4 | 56.6 | +4.80 | CNOB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 20.5x | 8.0x | +12.50 | CASH | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.65B | $1.61B | $43.9M | CNOB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CNOB REV | CASH REV | CNOB GROSS % | CASH GROSS % | CNOB FCF | CASH FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $5.88B | $839.9M | — | — | $101.0M | $438.9M |
| FY 2024 | $4.15B | $797.4M | — | — | $56.9M | $478.7M |
| FY 2023 | $391.5M | $727.7M | — | — | $92.9M | $327.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CNOB // BETA —
CASH // BETA —