HARBORONE BANCORP INC (HONE) Fundamental Analysis & Valuation

NASDAQ:HONE • US41165Y1001

Current stock price

12.1 USD
-0.22 (-1.79%)
At close:
12.15 USD
+0.05 (+0.41%)
After Hours:

This HONE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. HONE Profitability Analysis

1.1 Basic Checks

  • HONE had positive earnings in the past year.
  • 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.
HONE Yearly Net Income VS EBIT VS OCF VS FCFHONE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M 200M

1.2 Ratios

  • The Return On Assets of HONE (0.47%) is worse than 78.21% of its industry peers.
  • HONE has a worse Return On Equity (4.55%) than 77.69% of its industry peers.
Industry RankSector 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
HONE Yearly ROA, ROE, ROICHONE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • HONE has a Profit Margin of 15.09%. This is in the lower half of the industry: HONE underperforms 75.64% of its industry peers.
  • In the last couple of years the Profit Margin of HONE has grown nicely.
  • HONE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
HONE Yearly Profit, Operating, Gross MarginsHONE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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5

2. HONE Health Analysis

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.
  • Compared to 5 years ago, HONE has less shares outstanding
  • HONE has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
HONE Yearly Shares OutstandingHONE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
HONE Yearly Total Debt VS Total AssetsHONE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC14.66%
HONE Yearly LT Debt VS Equity VS FCFHONE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HONE Yearly Current Assets VS Current LiabilitesHONE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. HONE Growth Analysis

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.
  • HONE shows a small growth in Revenue. In the last year, the Revenue has grown by 5.37%.
  • The Revenue has been growing slightly by 0.40% on average over the past years.
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

  • HONE is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.94% yearly.
  • 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.
HONE Yearly Revenue VS EstimatesHONE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M 250M
HONE Yearly EPS VS EstimatesHONE Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

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2

4. HONE Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 18.62, which indicates a rather expensive current valuation of HONE.
  • HONE's Price/Earnings ratio is rather expensive when compared to the industry. HONE is more expensive than 80.00% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of HONE to the average of the S&P500 Index (27.47), we can say HONE is valued slightly cheaper.
  • With a Price/Forward Earnings ratio of 13.18, HONE is valued correctly.
  • 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 is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.62, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 18.62
Fwd PE 13.18
HONE Price Earnings VS Forward Price EarningsHONE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as HONE.
Industry RankSector Rank
P/FCF 11.47
EV/EBITDA N/A
HONE Per share dataHONE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. HONE Dividend Analysis

5.1 Amount

  • HONE has a Yearly Dividend Yield of 2.98%.
  • HONE's Dividend Yield is comparable with the industry average which is at 2.57.
  • Compared to an average S&P500 Dividend Yield of 1.81, HONE pays a better dividend.
Industry RankSector 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
HONE Yearly Dividends per shareHONE Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4

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 2Y17.94%
EPS Next 3YN/A
HONE Yearly Income VS Free CF VS DividendHONE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M 200M
HONE Dividend Payout.HONE Dividend Payout, showing the Payout Ratio.HONE Dividend Payout.PayoutRetained Earnings

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HONE Fundamentals: All Metrics, Ratios and Statistics

HARBORONE BANCORP INC

NASDAQ:HONE (10/31/2025, 8:00:01 PM)

After market: 12.15 +0.05 (+0.41%)

12.1

-0.22 (-1.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-28
Earnings (Next)01-28
Inst Owners62.6%
Inst Owner Change0%
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 RankSector 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 RankSector 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 Number14.0209 (15.88%)
Profitability
Industry RankSector 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 RankSector 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 Fundamental Analysis 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 of HARBORONE BANCORP INC (HONE) stock?

ChartMill assigns a valuation rating of 2 / 10 to HARBORONE BANCORP INC (HONE). This can be considered as Overvalued.


What is the profitability of HONE stock?

HARBORONE BANCORP INC (HONE) has a profitability rating of 2 / 10.


How financially healthy is HARBORONE BANCORP INC?

The financial health rating of HARBORONE BANCORP INC (HONE) is 5 / 10.


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%.