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.
聯通銀行(納斯達克：CNOB-GET)和獨立銀行(納斯達克：IBCP-GET)都是小盤股金融公司，但哪隻股票更好？我們將根據這兩家公司的收益、股息、風險、盈利能力、機構所有權、估值和分析師建議來比較它們的實力。
Earnings & Valuation
收益與估值
This table compares ConnectOne Bancorp and Independent Bank's revenue, earnings per share and valuation.
該表格比較了ConnectOne Bancorp和獨立銀行的收入、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 |
| 總收入 | 價格/銷售額比 | 淨收入 | 每股收益 | 市盈率 | |
| ConnectOne銀行 | 3.1743億美元 | 3.12 | 1.3035億美元 | $3.12 | 8.09 |
| 獨立銀行 | 2.1472億美元 | 1.98 | 629萬美元 | $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的收入和收益高於獨立銀行。獨立銀行的市盈率低於ConnectOne Bancorp，這表明它目前是兩隻股票中更負擔得起的一隻。
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% |
| 淨利潤率 | 股本回報率 | 資產回報率 | |
| ConnectOne銀行 | 38.52% | 12.69% | 1.55% |
| 獨立銀行 | 27.75% | 16.01% | 1.26% |
Dividends
分紅
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每年派息為每股0.62美元，股息率為2.5%。獨立銀行的年度股息為每股0.88美元，股息率為4.4%。ConnectOne Bancorp以股息的形式支付其收益的19.9%。獨立銀行以股息的形式支付其收益的31.9%。這兩家公司的派息率都很健康，應該能夠在未來幾年用收益來支付股息。ConnectOne Bancorp連續2年增加股息，獨立銀行連續8年增加股息。獨立銀行顯然是更好的股息股票，因為它有更高的收益率和更長的股息增長記錄。
Institutional and Insider Ownership
機構和內部人持股
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%的股份由機構投資者持有。相比之下，獨立銀行80.3%的股份由機構投資者持有。ConnectOne Bancorp 6.6%的股份由公司內部人士持有。相比之下，獨立銀行5.2%的股份由公司內部人士持有。強大的機構持股表明，大型基金管理公司、對衝基金和捐贈基金相信，一家公司的長期表現將好於大盤。
Analyst Ratings
分析師評級
This is a breakdown of recent ratings and target prices for ConnectOne Bancorp and Independent Bank, as provided by MarketBeat.com.
這是由MarketBeat.com提供的ConnectOne Bancorp和獨立銀行最近的評級和目標價格細目。
| 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 |
| 銷售評級 | 保持評級 | 購買評級 | 強勁的買入評級 | 評級分數 | |
| ConnectOne銀行 | 0 | 0 | 2 | 0 | 3.00 |
| 獨立銀行 | 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目前的共識目標價為30.00美元，暗示潛在上漲18.86%。獨立銀行的共識目標價為20.00美元，暗示潛在下行0.84%。鑑於ConnectOne Bancorp更高的共識評級和更高的可能上行空間，股票分析師顯然認為ConnectOne Bancorp比獨立銀行更有利。
Volatility & Risk
波動性與風險
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的貝塔係數為1.24，這意味着其股價的波動性比標準普爾500指數高24%。相比之下，獨立銀行的貝塔係數為0.96，這意味着其股價的波動性比標準普爾500指數低4%。
Summary
摘要
ConnectOne Bancorp beats Independent Bank on 13 of the 17 factors compared between the two stocks.
ConnectOne Bancorp在比較兩隻股票的17個因素中有13個擊敗了獨立銀行。
About ConnectOne Bancorp
關於ConnectOne Bancorp
(Get Rating)
(獲取評級)
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的銀行控股公司，為新澤西北部、紐約大都市區和南佛羅裏達市場的中小型企業、當地專業人士和個人提供商業銀行產品和服務。該公司提供個人和企業支票、退休、貨幣市場以及時間和儲蓄賬户。它還提供擔保和無擔保基礎上的消費者和商業企業貸款；循環信貸額度；商業按揭貸款；主要和二級住宅的住宅抵押貸款；房屋淨值貸款；過橋貸款；其他個人用途貸款；以及商業建築和房地產貸款。此外，該公司還提供支票卡、ATM卡、信用卡、電匯、自動櫃員機服務、網上銀行、直接金庫、自動結算所發起、電話移動銀行、保險箱和遠程存款獲取服務。它的運營網絡包括卑爾根縣的8個銀行辦事處、聯合縣的5個銀行辦事處、莫里斯縣的1個銀行辦事處、埃塞克斯縣的1個辦事處、哈德遜縣的1個辦事處、蒙茅斯縣的1個辦事處、紐約市曼哈頓的1個銀行辦事處、長島拿騷縣的1個辦事處、阿斯托裏亞的1個辦事處、哈德遜河谷的5個分行，以及棕櫚灘縣的西棕櫚灘金融中心。該公司前身為Center Bancorp，Inc.，並於2014年7月更名為ConnectOne Bancorp，Inc.。ConnectOne Bancorp，Inc.成立於1982年，總部設在新澤西州的恩格爾伍德克里夫斯。
About Independent Bank
關於獨立銀行
(Get Rating)
(獲取評級)
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.
獨立銀行公司是獨立銀行的銀行控股公司，為個人和企業提供各種銀行服務。該公司提供支票和儲蓄賬户、商業貸款、直接和間接消費融資、抵押貸款和保險箱服務，以及自動櫃員機、互聯網和移動銀行服務。它還提供產權保險、保險經紀和投資服務。該公司通過密歇根州的大約59個分支機構、兩個得來速設施和七個貸款製作辦公室以及在俄亥俄州的兩個貸款製作辦公室提供服務。獨立銀行公司成立於1864年，總部設在密歇根州的大急流城。
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