COMP <GO>
LOB vs CNOB // ALTMAN Z-SCORE & DEBT/EQUITY
Live Oak Bancshares Inc. (NYSE) VS. ConnectOne Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: LOB 3
— CNOB 3
■ METRIC PARITY
LAST: $34.42 (-1.85%) • MKT CAP: $1.62B
balance-sheet
—
LAST: $32.49 (-1.16%) • MKT CAP: $1.65B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (LOB VS. CNOB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | LOB | CNOB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.50% | 5.10% | +3.40 | LOB | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.84% | 5.70% | +3.14 | LOB | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.34% | 1.80% | -1.46 | CNOB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 45.8 | 61.4 | -15.60 | CNOB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 14.2x | 20.5x | -6.30 | LOB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.62B | $1.65B | -$29.2M | CNOB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | LOB REV | CNOB REV | LOB GROSS % | CNOB GROSS % | LOB FCF | CNOB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $6.36B | $5.88B | — | — | $143.5M | $101.0M |
| FY 2024 | $5.44B | $4.15B | — | — | $107.5M | $56.9M |
| FY 2023 | $702.6M | $391.5M | — | — | $184.9M | $92.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
LOB // BETA —
CNOB // BETA —