CNOB
ConnectOne Bancorp, Inc.
Banks - Regional
Market Cap$1.51B
5Y Perf.+105.2%
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Stock Comparison
CNOB vs DCOM
Revenue, margins, valuation, and 5-year total return — side by side.
DCOM
Dime Community Bancshares, Inc.
Banks - Regional
Market Cap$1.60B
5Y Perf.+70.2%
CNOB vs DCOM — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | CNOB | DCOM |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $1.51B | $1.60B |
| Revenue (TTM) | $606M | $730M |
| Net Income (TTM) | $80M | $111M |
| Gross Margin | 44.2% | 56.1% |
| Operating Margin | 18.6% | 21.5% |
| Forward P/E | 9.3x | 10.4x |
| Total Debt | $1.17B | $371M |
| Cash & Equiv. | $92M | $2.35B |
CNOB vs DCOM — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
CNOB
DCOM
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| ConnectOne Bancorp,… (CNOB) | 100 | 205.2 | +105.2% |
| Dime Community Banc… (DCOM) | 100 | 170.2 | +70.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CNOB vs DCOM
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: CNOB leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Dime Community Bancshares, Inc. is the stronger pick specifically for capital preservation and lower volatility and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
CNOB
ConnectOne Bancorp, Inc.
The Banking Pick
CNOB carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 13.4%, EPS growth -15.9%
- 110.8% 10Y total return vs DCOM's 65.2%
- 13.4% NII/revenue growth vs DCOM's 13.0%
Best for: growth exposure and long-term compounding
DCOM
Dime Community Bancshares, Inc.
The Banking Pick
DCOM is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 3 yrs, beta 1.05, yield 2.8%
- Lower volatility, beta 1.05, Low D/E 25.1%, current ratio 0.25x
- Beta 1.05, yield 2.8%, current ratio 0.25x
Best for: income & stability and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | CNOB | 13.4% NII/revenue growth vs DCOM's 13.0% |
| Value | CNOB | Lower P/E (9.3x vs 10.4x) |
| Quality / Margins | CNOB | Efficiency ratio 0.3% vs DCOM's 0.3% (lower = leaner) |
| Stability / Safety | DCOM | Beta 1.05 vs CNOB's 1.10, lower leverage |
| Dividends | DCOM | 2.8% yield, 3-year raise streak, vs CNOB's 2.1% |
| Momentum (1Y) | DCOM | +40.7% vs CNOB's +30.7% |
| Efficiency (ROA) | CNOB | Efficiency ratio 0.3% vs DCOM's 0.3% |
CNOB vs DCOM — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLDCOMLAGGINGCNOB
CNOBConnectOne Bancorp, I…
0leads
DCOMDime Community Bancsh…
4leads
6 Total Categories
CATEGORYLEADERvs CNOBMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
DCOM5/5
Valuation MetricsMultiples, price ratios, and targets
DCOM4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
DCOM9/9
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
DCOM2/2
Income & Cash Flow (Last 12 Months)
DCOM leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
DCOM and CNOB operate at a comparable scale, with $730M and $606M in trailing revenue. Profitability is closely matched — net margins range from 15.2% (DCOM) to 13.3% (CNOB).
| Metric | CNOBConnectOne Bancor… | DCOMDime Community Ba… |
|---|---|---|
| RevenueTrailing 12 months | $606M | $730M |
| EBITDAEarnings before interest/tax | $122M | $161M |
| Net IncomeAfter-tax profit | $80M | $111M |
| Free Cash FlowCash after capex | $102M | $182M |
| Gross MarginGross profit ÷ Revenue | +44.2% | +56.1% |
| Operating MarginEBIT ÷ Revenue | +18.6% | +21.5% |
| Net MarginNet income ÷ Revenue | +13.3% | +15.2% |
| FCF MarginFCF ÷ Revenue | +16.7% | +25.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +53.1% | +2.3% |
DCOM leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
DCOM leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 15.3x trailing earnings, DCOM trades at a 25% valuation discount to CNOB's 20.3x P/E.
| Metric | CNOBConnectOne Bancor… | DCOMDime Community Ba… |
|---|---|---|
| Market CapShares × price | $1.5B | $1.6B |
| Enterprise ValueMkt cap + debt − cash | $2.6B | -$386M |
| Trailing P/EPrice ÷ TTM EPS | 20.32x | 15.30x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.31x | 10.42x |
| PEG RatioP/E ÷ EPS growth rate | — | 2.40x |
| EV / EBITDAEnterprise value multiple | 22.98x | -2.46x |
| Price / SalesMarket cap ÷ Revenue | 2.49x | 2.19x |
| Price / BookPrice ÷ Book value/share | 0.96x | 1.06x |
| Price / FCFMarket cap ÷ FCF | 14.98x | 8.75x |
DCOM leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
DCOM leads this category, winning 9 of 9 comparable metrics.
Profitability & Efficiency
DCOM delivers a 7.7% return on equity — every $100 of shareholder capital generates $8 in annual profit, vs $5 for CNOB. DCOM carries lower financial leverage with a 0.25x debt-to-equity ratio, signaling a more conservative balance sheet compared to CNOB's 0.74x. On the Piotroski fundamental quality scale (0–9), DCOM scores 8/9 vs CNOB's 4/9, reflecting strong financial health.
| Metric | CNOBConnectOne Bancor… | DCOMDime Community Ba… |
|---|---|---|
| ROE (TTM)Return on equity | +5.5% | +7.7% |
| ROA (TTM)Return on assets | +0.6% | +0.8% |
| ROICReturn on invested capital | +3.5% | +5.6% |
| ROCEReturn on capital employed | +1.5% | +6.1% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 8 |
| Debt / EquityFinancial leverage | 0.74x | 0.25x |
| Net DebtTotal debt minus cash | $1.1B | -$2.0B |
| Cash & Equiv.Liquid assets | $92M | $2.4B |
| Total DebtShort + long-term debt | $1.2B | $371M |
| Interest CoverageEBIT ÷ Interest expense | 0.39x | 0.57x |
DCOM leads this category, winning 9 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — CNOB and DCOM each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in DCOM five years ago would be worth $12,211 today (with dividends reinvested), compared to $11,897 for CNOB. Over the past 12 months, DCOM leads with a +40.7% total return vs CNOB's +30.7%. The 3-year compound annual growth rate (CAGR) favors CNOB at 30.4% vs DCOM's 29.2% — a key indicator of consistent wealth creation.
| Metric | CNOBConnectOne Bancor… | DCOMDime Community Ba… |
|---|---|---|
| YTD ReturnYear-to-date | +15.8% | +23.0% |
| 1-Year ReturnPast 12 months | +30.7% | +40.7% |
| 3-Year ReturnCumulative with dividends | +121.8% | +115.5% |
| 5-Year ReturnCumulative with dividends | +19.0% | +22.1% |
| 10-Year ReturnCumulative with dividends | +110.8% | +65.2% |
| CAGR (3Y)Annualised 3-year return | +30.4% | +29.2% |
Evenly matched — CNOB and DCOM each lead in 3 of 6 comparable metrics.
Risk & Volatility
Evenly matched — CNOB and DCOM each lead in 1 of 2 comparable metrics.
Risk & Volatility
DCOM is the less volatile stock with a 1.05 beta — it tends to amplify market swings less than CNOB's 1.10 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CNOB currently trades 99.8% from its 52-week high vs DCOM's 96.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | CNOBConnectOne Bancor… | DCOMDime Community Ba… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.10x | 1.05x |
| 52-Week HighHighest price in past year | $30.15 | $37.77 |
| 52-Week LowLowest price in past year | $21.79 | $24.57 |
| % of 52W HighCurrent price vs 52-week peak | +99.8% | +96.0% |
| RSI (14)Momentum oscillator 0–100 | 61.7 | 50.8 |
| Avg Volume (50D)Average daily shares traded | 351K | 265K |
Evenly matched — CNOB and DCOM each lead in 1 of 2 comparable metrics.
Analyst Outlook
DCOM leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates CNOB as "Buy" and DCOM as "Hold". Consensus price targets imply 13.0% upside for CNOB (target: $34) vs 9.0% for DCOM (target: $40). For income investors, DCOM offers the higher dividend yield at 2.75% vs CNOB's 2.11%.
| Metric | CNOBConnectOne Bancor… | DCOMDime Community Ba… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $34.00 | $39.50 |
| # AnalystsCovering analysts | 11 | 10 |
| Dividend YieldAnnual dividend ÷ price | +2.1% | +2.8% |
| Dividend StreakConsecutive years of raises | 0 | 3 |
| Dividend / ShareAnnual DPS | $0.63 | $1.00 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.1% | 0.0% |
DCOM leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
DCOM leads in 4 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics. 2 categories are tied.
Best OverallDime Community Bancshares, … (DCOM)Leads 4 of 6 categories
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CNOB vs DCOM: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is CNOB or DCOM a better buy right now?
For growth investors, ConnectOne Bancorp, Inc.
(CNOB) is the stronger pick with 13. 4% revenue growth year-over-year, versus 13. 0% for Dime Community Bancshares, Inc. (DCOM). Dime Community Bancshares, Inc. (DCOM) offers the better valuation at 15. 3x trailing P/E (10. 4x forward), making it the more compelling value choice. Analysts rate ConnectOne Bancorp, Inc. (CNOB) a "Buy" — based on 11 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — CNOB or DCOM?
On trailing P/E, Dime Community Bancshares, Inc.
(DCOM) is the cheapest at 15. 3x versus ConnectOne Bancorp, Inc. at 20. 3x. On forward P/E, ConnectOne Bancorp, Inc. is actually cheaper at 9. 3x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — CNOB or DCOM?
Over the past 5 years, Dime Community Bancshares, Inc.
(DCOM) delivered a total return of +22. 1%, compared to +19. 0% for ConnectOne Bancorp, Inc. (CNOB). Over 10 years, the gap is even starker: CNOB returned +110. 8% versus DCOM's +65. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CNOB or DCOM?
By beta (market sensitivity over 5 years), Dime Community Bancshares, Inc.
(DCOM) is the lower-risk stock at 1. 05β versus ConnectOne Bancorp, Inc. 's 1. 10β — meaning CNOB is approximately 5% more volatile than DCOM relative to the S&P 500. On balance sheet safety, Dime Community Bancshares, Inc. (DCOM) carries a lower debt/equity ratio of 25% versus 74% for ConnectOne Bancorp, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — CNOB or DCOM?
By revenue growth (latest reported year), ConnectOne Bancorp, Inc.
(CNOB) is pulling ahead at 13. 4% versus 13. 0% for Dime Community Bancshares, Inc. (DCOM). On earnings-per-share growth, the picture is similar: Dime Community Bancshares, Inc. grew EPS 330. 9% year-over-year, compared to -15. 9% for ConnectOne Bancorp, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — CNOB or DCOM?
Dime Community Bancshares, Inc.
(DCOM) is the more profitable company, earning 15. 2% net margin versus 13. 3% for ConnectOne Bancorp, Inc. — meaning it keeps 15. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: DCOM leads at 21. 5% versus 18. 6% for CNOB. At the gross margin level — before operating expenses — DCOM leads at 56. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is CNOB or DCOM more undervalued right now?
On forward earnings alone, ConnectOne Bancorp, Inc.
(CNOB) trades at 9. 3x forward P/E versus 10. 4x for Dime Community Bancshares, Inc. — 1. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for CNOB: 13. 0% to $34. 00.
08Which pays a better dividend — CNOB or DCOM?
All stocks in this comparison pay dividends.
Dime Community Bancshares, Inc. (DCOM) offers the highest yield at 2. 8%, versus 2. 1% for ConnectOne Bancorp, Inc. (CNOB).
09Is CNOB or DCOM better for a retirement portfolio?
For long-horizon retirement investors, Dime Community Bancshares, Inc.
(DCOM) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 05), 2. 8% yield). Both have compounded well over 10 years (DCOM: +65. 2%, CNOB: +110. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between CNOB and DCOM?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: CNOB is a small-cap quality compounder stock; DCOM is a small-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(CNOB: 13.4% · DCOM: 13.0%)Net Margin>
%
(CNOB: 13.3% · DCOM: 15.2%)P/E Ratio<
x
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