ConnectOne Bancorp, Inc. — Earnings Quality Grade F
CNOB · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 59 days, change -4 days YoY
AR growth 33.5% vs revenue growth 43.2%
Revenue 43.2%, CFFO 75.3%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 42.1% vs revenue 43.2%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.32. Profits backed by cash
FCF $0.1B, FCF/NI = 1.26
Accruals ratio = -0.2%. Low accruals
Cash $0.4B covers only 33% of debt $1.1B
Balance Sheet Health
Goodwill+Intangibles $0.3B = 18% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles surged 32% YoY
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
ConnectOne Bancorp, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25