HONE Fundamental Analysis - HARBORONE BANCORP INC

Fundamental Rating

HONE gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 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.

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1. Profitability

1.1 Basic Checks

In the past year HONE was profitable.

HONE had a positive operating cash flow in the past year.

HONE had positive earnings in each of the past 5 years.

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 75.83% of its industry peers.

HONE's Return On Equity of 4.55% is on the low side compared to the rest of the industry. HONE is outperformed by 76.84% 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 75.06% 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

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

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

WACC14.61%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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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%.

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 very strong growth in Earnings Per Share. The EPS will grow by 20.74% 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 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

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 19.80, which indicates a rather expensive current valuation of HONE.

Based on the Price/Earnings ratio, HONE is valued a bit more expensive than 78.88% of the companies in the same industry.

HONE is valuated rather cheaply when we compare the Price/Earnings ratio to 27.14, which is the current average of the S&P500 Index.

A Price/Forward Earnings ratio of 13.38 indicates a correct valuation of HONE.

HONE's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. HONE is more expensive than 69.72% of the companies in the same industry.

HONE is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.80, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	19.8
Fwd PE	13.38

4.2 Price Multiples

HONE's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	12.2
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.

HONE's earnings are expected to grow with 20.74% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.96

PEG (5Y)1.19

EPS Next 2Y20.74%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

HONE has a Yearly Dividend Yield of 2.98%.

Compared to an average industry Dividend Yield of 3.30, HONE has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.34, HONE pays a bit more dividend than the S&P500 average.

		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.

HONE has decreased its dividend 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

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HARBORONE BANCORP INC

NASDAQ:HONE (8/27/2025, 8:00:02 PM)

After market: 12.87 0 (0%)

12.87

+0.25 (+1.98%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-22 2025-10-22/bmo

Inst Owners66.24%

Inst Owner Change6.1%

Ins Owners2.49%

Ins Owner Change4.69%

Market Cap555.47M

Analysts76

Price Target13.94 (8.31%)

Short Float %1.56%

Short Ratio2.28

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-Date09-03 2025-09-03 (0.09)

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)2.5%

PT rev (3m)2.5%

EPS NQ rev (1m)6.67%

EPS NQ rev (3m)-7.25%

EPS NY rev (1m)7.34%

EPS NY rev (3m)7.34%

Revenue NQ rev (1m)0.94%

Revenue NQ rev (3m)-4.16%

Revenue NY rev (1m)0.65%

Revenue NY rev (3m)0.65%

Valuation

		Industry Rank	Sector Rank
PE	19.8
Fwd PE	13.38
P/S	3.18
P/FCF	12.2
P/OCF	11.87
P/B	0.96
P/tB	1.16
EV/EBITDA	N/A

EPS(TTM)0.65

EY5.05%

EPS(NY)0.96

Fwd EY7.48%

FCF(TTM)1.05

FCFY8.2%

OCF(TTM)1.08

OCFY8.42%

SpS4.05

BVpS13.44

TBVpS11.11

PEG (NY)0.96

PEG (5Y)1.19

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

ROICexcg growth 3YN/A

ROICexcg 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

WACC14.61%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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