Head to Head Contrast: ConnectOne Bancorp (NASDAQ:CNOB) Vs. Independent Bank (NASDAQ:IBCP)
Head to Head Contrast: ConnectOne Bancorp (NASDAQ:CNOB) Vs. Independent Bank (NASDAQ:IBCP)
ConnectOne Bancorp (NASDAQ:CNOB – Get Rating) and Independent Bank (NASDAQ:IBCP – Get Rating) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their earnings, dividends, risk, profitability, institutional ownership, valuation and analyst recommendations.
联通银行(纳斯达克：CNOB-GET)和独立银行(纳斯达克：IBCP-GET)都是小盘股金融公司，但哪只股票更好？我们将根据这两家公司的收益、股息、风险、盈利能力、机构所有权、估值和分析师建议来比较它们的实力。
Earnings & Valuation
收益与估值
This table compares ConnectOne Bancorp and Independent Bank's revenue, earnings per share and valuation.
该表格比较了ConnectOne Bancorp和独立银行的收入、每股收益和估值。
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| ConnectOne Bancorp | $317.43 million | 3.12 | $130.35 million | $3.12 | 8.09 |
| Independent Bank | $214.72 million | 1.98 | $62.90 million | $2.76 | 7.31 |
| 总收入 | 价格/销售额比 | 净收入 | 每股收益 | 市盈率 | |
| ConnectOne银行 | 3.1743亿美元 | 3.12 | 1.3035亿美元 | $3.12 | 8.09 |
| 独立银行 | 2.1472亿美元 | 1.98 | 629万美元 | $2.76 | 7.31 |
ConnectOne Bancorp has higher revenue and earnings than Independent Bank. Independent Bank is trading at a lower price-to-earnings ratio than ConnectOne Bancorp, indicating that it is currently the more affordable of the two stocks.
ConnectOne Bancorp的收入和收益高于独立银行。独立银行的市盈率低于ConnectOne Bancorp，这表明它目前是两只股票中更负担得起的一只。
Profitability
盈利能力
| Net Margins | Return on Equity | Return on Assets | |
| ConnectOne Bancorp | 38.52% | 12.69% | 1.55% |
| Independent Bank | 27.75% | 16.01% | 1.26% |
| 净利润率 | 股本回报率 | 资产回报率 | |
| ConnectOne银行 | 38.52% | 12.69% | 1.55% |
| 独立银行 | 27.75% | 16.01% | 1.26% |
Dividends
分红
ConnectOne Bancorp pays an annual dividend of $0.62 per share and has a dividend yield of 2.5%. Independent Bank pays an annual dividend of $0.88 per share and has a dividend yield of 4.4%. ConnectOne Bancorp pays out 19.9% of its earnings in the form of a dividend. Independent Bank pays out 31.9% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. ConnectOne Bancorp has increased its dividend for 2 consecutive years and Independent Bank has increased its dividend for 8 consecutive years. Independent Bank is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
ConnectOne Bancorp每年派息为每股0.62美元，股息率为2.5%。独立银行的年度股息为每股0.88美元，股息率为4.4%。ConnectOne Bancorp以股息的形式支付其收益的19.9%。独立银行以股息的形式支付其收益的31.9%。这两家公司的派息率都很健康，应该能够在未来几年用收益来支付股息。ConnectOne Bancorp连续2年增加股息，独立银行连续8年增加股息。独立银行显然是更好的股息股票，因为它有更高的收益率和更长的股息增长记录。
Institutional and Insider Ownership
机构和内部人持股
68.1% of ConnectOne Bancorp shares are held by institutional investors. Comparatively, 80.3% of Independent Bank shares are held by institutional investors. 6.6% of ConnectOne Bancorp shares are held by company insiders. Comparatively, 5.2% of Independent Bank shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
ConnectOne Bancorp 68.1%的股份由机构投资者持有。相比之下，独立银行80.3%的股份由机构投资者持有。ConnectOne Bancorp 6.6%的股份由公司内部人士持有。相比之下，独立银行5.2%的股份由公司内部人士持有。强大的机构持股表明，大型基金管理公司、对冲基金和捐赠基金相信，一家公司的长期表现将好于大盘。
Analyst Ratings
分析师评级
This is a breakdown of recent ratings and target prices for ConnectOne Bancorp and Independent Bank, as provided by MarketBeat.com.
这是由MarketBeat.com提供的ConnectOne Bancorp和独立银行最近的评级和目标价格细目。
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| ConnectOne Bancorp | 0 | 0 | 2 | 0 | 3.00 |
| Independent Bank | 0 | 1 | 0 | 0 | 2.00 |
| 销售评级 | 保持评级 | 购买评级 | 强劲的买入评级 | 评级分数 | |
| ConnectOne银行 | 0 | 0 | 2 | 0 | 3.00 |
| 独立银行 | 0 | 1 | 0 | 0 | 2.00 |
ConnectOne Bancorp presently has a consensus target price of $30.00, suggesting a potential upside of 18.86%. Independent Bank has a consensus target price of $20.00, suggesting a potential downside of 0.84%. Given ConnectOne Bancorp's stronger consensus rating and higher probable upside, equities analysts clearly believe ConnectOne Bancorp is more favorable than Independent Bank.
ConnectOne Bancorp目前的共识目标价为30.00美元，暗示潜在上涨18.86%。独立银行的共识目标价为20.00美元，暗示潜在下行0.84%。鉴于ConnectOne Bancorp更高的共识评级和更高的可能上行空间，股票分析师显然认为ConnectOne Bancorp比独立银行更有利。
Volatility & Risk
波动性与风险
ConnectOne Bancorp has a beta of 1.24, meaning that its share price is 24% more volatile than the S&P 500. Comparatively, Independent Bank has a beta of 0.96, meaning that its share price is 4% less volatile than the S&P 500.
ConnectOne Bancorp的贝塔系数为1.24，这意味着其股价的波动性比标准普尔500指数高24%。相比之下，独立银行的贝塔系数为0.96，这意味着其股价的波动性比标准普尔500指数低4%。
Summary
摘要
ConnectOne Bancorp beats Independent Bank on 13 of the 17 factors compared between the two stocks.
ConnectOne Bancorp在比较两只股票的17个因素中有13个击败了独立银行。
About ConnectOne Bancorp
关于ConnectOne Bancorp
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ConnectOne Bancorp, Inc. operates as the bank holding company for ConnectOne Bank that provides commercial banking products and services for small and mid-sized businesses, local professionals, and individuals in the Northern New Jersey and New York Metropolitan area, and South Florida market. The company offers personal and business checking, retirement, money market, and time and savings accounts. It also provides consumer and commercial business loans on a secured and unsecured basis; revolving lines of credit; commercial mortgage loans; residential mortgages on primary and secondary residences; home equity loans; bridge loans; other personal purpose loans; and commercial construction and real estate loans. In addition, the company offers check cards, ATM cards, credit cards, wire transfers, access to automated teller services, Internet banking, treasury direct, automated clearing house origination, mobile banking by phone, safe deposit boxes, and remote deposit capture services. It operates through a network of eight banking offices in Bergen County, five banking offices in Union County, one banking office in Morris County, one office in Essex County, one office in Hudson County, one office in Monmouth County, one banking office in Manhattan in New York City, one office in Nassau County on Long Island, one in Astoria, and five branches in the Hudson Valley, as well as one financial center in West Palm Beach in Palm Beach County. The company was formerly known as Center Bancorp, Inc. and changed its name to ConnectOne Bancorp, Inc. in July 2014. ConnectOne Bancorp, Inc. was incorporated in 1982 and is headquartered in Englewood Cliffs, New Jersey.
ConnectOne Bancorp，Inc.是ConnectOne Bank的银行控股公司，为新泽西北部、纽约大都市区和南佛罗里达市场的中小型企业、当地专业人士和个人提供商业银行产品和服务。该公司提供个人和企业支票、退休、货币市场以及时间和储蓄账户。它还提供担保和无担保基础上的消费者和商业企业贷款；循环信贷额度；商业按揭贷款；主要和二级住宅的住宅抵押贷款；房屋净值贷款；过桥贷款；其他个人用途贷款；以及商业建筑和房地产贷款。此外，该公司还提供支票卡、ATM卡、信用卡、电汇、自动柜员机服务、网上银行、直接金库、自动结算所发起、电话移动银行、保险箱和远程存款获取服务。它的运营网络包括卑尔根县的8个银行办事处、联合县的5个银行办事处、莫里斯县的1个银行办事处、埃塞克斯县的1个办事处、哈德逊县的1个办事处、蒙茅斯县的1个办事处、纽约市曼哈顿的1个银行办事处、长岛拿骚县的1个办事处、阿斯托里亚的1个办事处、哈德逊河谷的5个分行，以及棕榈滩县的西棕榈滩金融中心。该公司前身为Center Bancorp，Inc.，并于2014年7月更名为ConnectOne Bancorp，Inc.。ConnectOne Bancorp，Inc.成立于1982年，总部设在新泽西州的恩格尔伍德克里夫斯。
About Independent Bank
关于独立银行
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Independent Bank Corporation operates as the bank holding company for Independent Bank that provides various banking services to individuals and businesses. The company offers checking and savings accounts, commercial lending, direct and indirect consumer financing, mortgage lending, and safe deposit box services, as well as automatic teller machine, and Internet and mobile banking services. It also provides title insurance, insurance brokerage, and investment services. The company offers its services through approximately 59 branches, two drive-thru facilities, and seven loan production offices in Michigan; and two loan production offices in Ohio. Independent Bank Corporation was founded in 1864 and is based in Grand Rapids, Michigan.
独立银行公司是独立银行的银行控股公司，为个人和企业提供各种银行服务。该公司提供支票和储蓄账户、商业贷款、直接和间接消费融资、抵押贷款和保险箱服务，以及自动柜员机、互联网和移动银行服务。它还提供产权保险、保险经纪和投资服务。该公司通过密歇根州的大约59个分支机构、两个得来速设施和七个贷款制作办公室以及在俄亥俄州的两个贷款制作办公室提供服务。独立银行公司成立于1864年，总部设在密歇根州的大急流城。
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