12.1 USD
-0.22 (-1.79%)
12.15 USD
+0.05 (+0.41%)
Taking everything into account, HONE scores 4 out of 10 in our fundamental rating. HONE was compared to 383 industry peers in the Banks industry. While HONE seems to be doing ok healthwise, there are quite some concerns on its profitability. HONE is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year HONE was profitable.
- HONE had a positive operating cash flow in the past year.
- In the past 5 years HONE has always been profitable.
- HONE had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- The Return On Assets of HONE (0.47%) is worse than 78.21% of its industry peers.
- The Return On Equity of HONE (4.55%) is worse than 77.69% 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
- HONE's Profit Margin of 15.09% is on the low side compared to the rest of the industry. HONE is outperformed by 75.64% of its industry peers.
- HONE's Profit Margin has improved in the last couple of years.
- 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.
- HONE has less shares outstanding than it did 1 year ago.
- HONE has less shares outstanding than it did 5 years ago.
- HONE has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- 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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.66%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 1.56% over the past year.
- HONE shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.63% yearly.
- Looking at the last year, HONE shows a small growth in Revenue. The Revenue has grown by 5.37% in the last year.
- HONE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.40% yearly.
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
- Based on estimates for the next years, HONE will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.94% on average per year.
- The Revenue is expected to grow by 8.35% on average over the next years. This is quite good.
EPS Next Y8.18%
EPS Next 2Y17.94%
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 stable.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 18.62, the valuation of HONE can be described as rather expensive.
- Compared to the rest of the industry, the Price/Earnings ratio of HONE indicates a rather expensive valuation: HONE more expensive than 80.00% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.38. HONE is valued slightly cheaper when compared to this.
- Based on the Price/Forward Earnings ratio of 13.18, the valuation of HONE can be described as correct.
- Based on the Price/Forward Earnings ratio, HONE is valued a bit more expensive than 70.51% of the companies in the same industry.
- HONE's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.29.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.62 | ||
| Fwd PE | 13.18 |
4.2 Price Multiples
- HONE's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.47 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- HONE's earnings are expected to grow with 17.94% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.28
PEG (5Y)1.12
EPS Next 2Y17.94%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.98%, HONE has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.87, HONE has a dividend in line with its industry peers.
- HONE's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.98% |
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
- 51.05% of the earnings are spent on dividend by HONE. This is a bit on the high side, but may be sustainable.
DP51.05%
EPS Next 2Y17.94%
EPS Next 3YN/A
12.1
-0.22 (-1.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-28 2025-10-28/bmo
Earnings (Next)01-28 2026-01-28/bmo
Inst Owners62.6%
Inst Owner Change-0.09%
Ins Owners2.49%
Ins Owner Change-123.24%
Market Cap522.24M
Revenue(TTM)174.77M
Net Income(TTM)26.37M
Analysts43.33
Price Target14.28 (18.02%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.98% |
Yearly Dividend0.29
Dividend Growth(5Y)N/A
DP51.05%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
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)0%
PT rev (3m)2.44%
EPS NQ rev (1m)-10.94%
EPS NQ rev (3m)-10.94%
EPS NY rev (1m)-10.26%
EPS NY rev (3m)-3.67%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.62 | ||
| Fwd PE | 13.18 | ||
| P/S | 2.99 | ||
| P/FCF | 11.47 | ||
| P/OCF | 11.16 | ||
| P/B | 0.9 | ||
| P/tB | 1.09 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.65
EY5.37%
EPS(NY)0.92
Fwd EY7.59%
FCF(TTM)1.05
FCFY8.72%
OCF(TTM)1.08
OCFY8.96%
SpS4.05
BVpS13.44
TBVpS11.11
PEG (NY)2.28
PEG (5Y)1.12
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
WACC14.66%
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 Y8.18%
EPS Next 2Y17.94%
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.
Can you provide the valuation status for HARBORONE BANCORP INC?
ChartMill assigns a valuation rating of 2 / 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.
Can you provide the PE and PB ratios for HONE stock?
The Price/Earnings (PE) ratio for HARBORONE BANCORP INC (HONE) is 18.62 and the Price/Book (PB) ratio is 0.9.
How sustainable is the dividend of HARBORONE BANCORP INC (HONE) stock?
The dividend rating of HARBORONE BANCORP INC (HONE) is 3 / 10 and the dividend payout ratio is 51.05%.