HARBORONE BANCORP INC (HONE) Stock Fundamental Analysis
USA - NASDAQ:HONE - US41165Y1001 - Common Stock
13.31 USD
-0.51 (-3.69%)
13.31 USD
0 (0%)
Taking everything into account, HONE scores 4 out of 10 in our fundamental rating. HONE was compared to 391 industry peers in the Banks industry. HONE scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. HONE is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year HONE was profitable.
In the past year HONE had a positive cash flow from operations.
Each year in the past 5 years HONE has been profitable.
Of the past 5 years HONE 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.47%, HONE is doing worse than 76.47% of the companies in the same industry.
HONE has a worse Return On Equity (4.55%) than 77.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 4.55% | ||
| ROIC | N/A |
ROA(3y)0.54%
ROA(5y)0.78%
ROE(3y)4.97%
ROE(5y)5.99%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 15.09%, HONE is doing worse than 74.94% of the companies in the same industry.
In the last couple of years the Profit Margin of HONE has grown nicely.
The Operating Margin and Gross Margin are not available for HONE so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 15.09% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-14.27%
PM growth 5Y7.99%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
HONE does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for HONE has been reduced compared to 1 year ago.
Compared to 5 years ago, HONE has less shares outstanding
There is no outstanding debt for HONE. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
HONE has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.37%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HONE shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.56%.
Measured over the past years, HONE shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.63% on average per year.
Looking at the last year, HONE shows a small growth in Revenue. The Revenue has grown by 5.37% in the last year.
Measured over the past years, HONE shows a small growth in Revenue. The Revenue has been growing by 0.40% on average per year.
EPS 1Y (TTM)1.56%
EPS 3Y-16.41%
EPS 5Y16.63%
EPS Q2Q%11.11%
Revenue 1Y (TTM)5.37%
Revenue growth 3Y-9.41%
Revenue growth 5Y0.4%
Sales Q2Q%5.95%
3.2 Future
The Earnings Per Share is expected to grow by 20.74% on average over the next years. This is a very strong growth
Based on estimates for the next years, HONE will show a quite strong growth in Revenue. The Revenue will grow by 8.35% on average per year.
EPS Next Y20.55%
EPS Next 2Y20.74%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.77%
Revenue Next 2Y8.35%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
HONE is valuated rather expensively with a Price/Earnings ratio of 20.48.
HONE's Price/Earnings ratio is rather expensive when compared to the industry. HONE is more expensive than 81.33% of the companies in the same industry.
HONE is valuated rather cheaply when we compare the Price/Earnings ratio to 26.91, which is the current average of the S&P500 Index.
HONE is valuated correctly with a Price/Forward Earnings ratio of 13.83.
73.40% of the companies in the same industry are cheaper than HONE, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.92. HONE is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.48 | ||
| Fwd PE | 13.83 |
4.2 Price Multiples
HONE's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.62 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as HONE's earnings are expected to grow with 20.74% in the coming years.
PEG (NY)1
PEG (5Y)1.23
EPS Next 2Y20.74%
EPS Next 3YN/A
5. Dividend
5.1 Amount
HONE has a Yearly Dividend Yield of 2.60%.
Compared to an average industry Dividend Yield of 3.53, HONE has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, HONE has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.6% |
5.2 History
HONE has been paying a dividend for over 5 years, so it has already some track record.
The dividend of HONE decreased recently.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
HONE pays out 51.05% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP51.05%
EPS Next 2Y20.74%
EPS Next 3YN/A
13.31
-0.51 (-3.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners62.6%
Inst Owner Change-0.04%
Ins Owners2.49%
Ins Owner Change0%
Market Cap574.46M
Revenue(TTM)174.77M
Net Income(TTM)26.37M
Analysts77.78
Price Target14.28 (7.29%)
Short Float %3.89%
Short Ratio3.63
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.6% |
Yearly Dividend0.29
Dividend Growth(5Y)N/A
DP51.05%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-7.11%
Min EPS beat(2)-19.26%
Max EPS beat(2)5.04%
EPS beat(4)2
Avg EPS beat(4)-11.24%
Min EPS beat(4)-48.4%
Max EPS beat(4)17.65%
EPS beat(8)5
Avg EPS beat(8)-1.81%
EPS beat(12)7
Avg EPS beat(12)-1.85%
EPS beat(16)10
Avg EPS beat(16)1.83%
Revenue beat(2)1
Avg Revenue beat(2)-2.05%
Min Revenue beat(2)-4.65%
Max Revenue beat(2)0.54%
Revenue beat(4)1
Avg Revenue beat(4)-2.91%
Min Revenue beat(4)-4.74%
Max Revenue beat(4)0.54%
Revenue beat(8)3
Avg Revenue beat(8)-3.68%
Revenue beat(12)6
Avg Revenue beat(12)4.49%
Revenue beat(16)10
Avg Revenue beat(16)17.69%
PT rev (1m)2.44%
PT rev (3m)5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.67%
EPS NY rev (1m)0%
EPS NY rev (3m)7.34%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.94%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.48 | ||
| Fwd PE | 13.83 | ||
| P/S | 3.29 | ||
| P/FCF | 12.62 | ||
| P/OCF | 12.28 | ||
| P/B | 0.99 | ||
| P/tB | 1.2 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.65
EY4.88%
EPS(NY)0.96
Fwd EY7.23%
FCF(TTM)1.05
FCFY7.93%
OCF(TTM)1.08
OCFY8.14%
SpS4.05
BVpS13.44
TBVpS11.11
PEG (NY)1
PEG (5Y)1.23
Graham Number14.02
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 4.55% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 15.09% | ||
| GM | N/A | ||
| FCFM | 26.05% |
ROA(3y)0.54%
ROA(5y)0.78%
ROE(3y)4.97%
ROE(5y)5.99%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-14.27%
PM growth 5Y7.99%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 28.58% | ||
| Cap/Sales | 0.72% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 172.66% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC14.37%
ROIC/WACCN/A
Cap/Depr(3y)57.63%
Cap/Depr(5y)77.79%
Cap/Sales(3y)1.49%
Cap/Sales(5y)1.9%
Profit Quality(3y)153.5%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1.56%
EPS 3Y-16.41%
EPS 5Y16.63%
EPS Q2Q%11.11%
EPS Next Y20.55%
EPS Next 2Y20.74%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.37%
Revenue growth 3Y-9.41%
Revenue growth 5Y0.4%
Sales Q2Q%5.95%
Revenue Next Year2.77%
Revenue Next 2Y8.35%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-46.5%
FCF growth 3Y-77.14%
FCF growth 5YN/A
OCF growth 1Y-47.67%
OCF growth 3Y-74.23%
OCF growth 5YN/A
HARBORONE BANCORP INC / HONE FAQ
What is the ChartMill fundamental rating of HARBORONE BANCORP INC (HONE) stock?
ChartMill assigns a fundamental rating of 4 / 10 to HONE.
What is the valuation status for HONE stock?
ChartMill assigns a valuation rating of 3 / 10 to HARBORONE BANCORP INC (HONE). This can be considered as Overvalued.
Can you provide the profitability details for HARBORONE BANCORP INC?
HARBORONE BANCORP INC (HONE) has a profitability rating of 2 / 10.
What is the financial health of HARBORONE BANCORP INC (HONE) stock?
The financial health rating of HARBORONE BANCORP INC (HONE) is 5 / 10.
Is the dividend of HARBORONE BANCORP INC sustainable?
The dividend rating of HARBORONE BANCORP INC (HONE) is 3 / 10 and the dividend payout ratio is 51.05%.