ConnectOne Bancorp, Inc. (CNOB) vs Community Trust Bancorp, Inc. (CTBI)
A side-by-side comparison of ConnectOne Bancorp, Inc. and Community Trust Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — CNOB vs CTBI
growth of $100 · dividends reinvested · last 10yCNOB vs CTBI: by the numbers
- •CNOB is the larger company ($1.54B vs $1.39B market cap).
- •CNOB trades at the lower trailing earnings multiple (9.55 vs 12.78 P/E), one valuation lens rather than an overall verdict.
- •CNOB converts more revenue to profit (26.13% vs 25.55% net margin).
- •CNOB grew revenue faster over the past five years (14.39% vs 12.35% CAGR).
- •CTBI pays the higher dividend yield (3.02% vs 2.46%).
Metrics side by side
Valuation
| Metric | CNOB | CTBI |
|---|---|---|
| P/E ratio | 9.55 | 12.78 |
| Forward P/E | 9.43 | 11.96 |
| PEG ratio | N/A | 1.26 |
| P/S ratio | 2.52 | 3.28 |
| P/B ratio | 1.02 | 1.55 |
Profitability
| Metric | CNOB | CTBI |
|---|---|---|
| Operating margin | 18.07% | 33.11% |
| Net margin | 26.13% | 25.55% |
| ROE | 9.84% | 12.11% |
ConnectOne Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Community Trust Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | CNOB | CTBI |
|---|---|---|
| Dividend yield | 2.46% | 3.02% |
| Payout ratio | 23.36% | 38.53% |
Growth (annualized)
| Metric | CNOB | CTBI |
|---|---|---|
| Revenue CAGR (5Y) | 14.39% | 12.35% |
| EPS CAGR (5Y) | -3.84% | 10.18% |
| Total return CAGR (5Y) | 2.16% | 16.62% |
Frequently asked
- Which has the lower trailing P/E, CNOB or CTBI?
- CNOB has the lower trailing P/E: CNOB trades at 9.55 and CTBI at 12.78. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CNOB or CTBI?
- Over the past five years, CNOB grew revenue faster — CNOB at a 14.39% CAGR versus CTBI at 12.35%.
- Does CNOB or CTBI pay a bigger dividend?
- CNOB yields 2.46% and CTBI yields 3.02% based on trailing dividends and the latest price.
- Is CNOB or CTBI more profitable?
- CNOB runs the higher net margin — CNOB at 26.13% versus CTBI at 25.55%.
- How have CNOB and CTBI total returns compared?
- Over the past 10 years, CNOB delivered 7.65% and CTBI delivered 11.66% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
ConnectOne Bancorp & Community Trust Bancorp appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.