HARBORONE BANCORP INC(NASDAQ:HONE) stock Fundamental Analysis

Fundamental Rating

HONE gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. The financial health of HONE is average, but there are quite some concerns on its profitability. 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.

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 0.45%, HONE is doing worse than 76.77% of the companies in the same industry.

HONE's Return On Equity of 4.45% is on the low side compared to the rest of the industry. HONE is outperformed by 79.80% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.45%
ROE	4.45%
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

The Profit Margin of HONE (14.84%) is worse than 75.51% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	14.84%
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.

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.

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

WACC15.12%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

HONE shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by 0.00%.

The Earnings Per Share has been growing by 16.63% on average over the past years. This is quite good.

HONE shows a small growth in Revenue. In the last year, the Revenue has grown by 3.13%.

The Revenue has been growing slightly by 0.40% on average over the past years.

EPS 1Y (TTM)0%

EPS 3Y-16.41%

EPS 5Y16.63%

EPS Q2Q%-17.65%

Revenue 1Y (TTM)3.13%

Revenue growth 3Y-9.41%

Revenue growth 5Y0.4%

Sales Q2Q%2.9%

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 18.59% yearly.

HONE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.71% yearly.

EPS Next Y12.3%

EPS Next 2Y18.59%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year2.11%

Revenue Next 2Y5.71%

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.

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

Based on the Price/Earnings ratio of 17.94, 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 slightly more expensive valuation: HONE is more expensive than 78.03% of the companies listed in the same industry.

HONE's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.91.

HONE is valuated correctly with a Price/Forward Earnings ratio of 12.17.

68.94% of the companies in the same industry are cheaper than HONE, based on the Price/Forward Earnings ratio.

HONE is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.85, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	17.94
Fwd PE	12.17

4.2 Price Multiples

HONE's Price/Free Cash Flow ratio is rather expensive when compared to the industry. HONE is more expensive than 85.10% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	45.04
EV/EBITDA	N/A

4.3 Compensation for Growth

HONE's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

HONE's earnings are expected to grow with 18.59% in the coming years. This may justify a more expensive valuation.

PEG (NY)1.46

PEG (5Y)1.08

EPS Next 2Y18.59%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

HONE has a Yearly Dividend Yield of 3.07%.

Compared to an average industry Dividend Yield of 3.34, HONE has a dividend in line with its industry peers.

HONE's Dividend Yield is a higher than the S&P500 average which is at 2.36.

		Industry Rank	Sector Rank
Dividend Yield	3.07%

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 51.40% of its income as dividend. This is a bit on the high side, but may be sustainable.

DP51.4%

EPS Next 2Y18.59%

EPS Next 3YN/A

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HARBORONE BANCORP INC

NASDAQ:HONE (5/22/2025, 8:10:45 PM)

After market: 11.3 0 (0%)

11.3

-0.02 (-0.18%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-24 2025-04-24/amc

Earnings (Next)07-23 2025-07-23/bmo

Inst Owners59.36%

Inst Owner Change-0.17%

Ins Owners2.25%

Ins Owner Change4.69%

Market Cap490.53M

Analysts76

Price Target13.6 (20.35%)

Short Float %1.05%

Short Ratio1.25

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.07%

Yearly Dividend0.29

Dividend Growth(5Y)N/A

DP51.4%

Div Incr Years1

Div Non Decr Years1

Ex-Date04-09 2025-04-09 (0.09)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-0.81%

Min EPS beat(2)-19.26%

Max EPS beat(2)17.65%

EPS beat(4)2

Avg EPS beat(4)-11.03%

Min EPS beat(4)-48.4%

Max EPS beat(4)17.65%

EPS beat(8)5

Avg EPS beat(8)-1.64%

EPS beat(12)6

Avg EPS beat(12)-2.69%

EPS beat(16)9

Avg EPS beat(16)0.18%

Revenue beat(2)0

Avg Revenue beat(2)-4.69%

Min Revenue beat(2)-4.74%

Max Revenue beat(2)-4.65%

Revenue beat(4)1

Avg Revenue beat(4)-2.95%

Min Revenue beat(4)-4.74%

Max Revenue beat(4)0.36%

Revenue beat(8)3

Avg Revenue beat(8)0.39%

Revenue beat(12)6

Avg Revenue beat(12)8.36%

Revenue beat(16)10

Avg Revenue beat(16)21.5%

PT rev (1m)2.56%

PT rev (3m)-4.76%

EPS NQ rev (1m)-5.48%

EPS NQ rev (3m)-5.48%

EPS NY rev (1m)-12.18%

EPS NY rev (3m)-12.18%

Revenue NQ rev (1m)-2.53%

Revenue NQ rev (3m)-2.27%

Revenue NY rev (1m)-4.27%

Revenue NY rev (3m)-4.5%

Valuation

		Industry Rank	Sector Rank
PE	17.94
Fwd PE	12.17
P/S	2.84
P/FCF	45.04
P/OCF	40.12
P/B	0.85
P/tB	1.04
EV/EBITDA	N/A

EPS(TTM)0.63

EY5.58%

EPS(NY)0.93

Fwd EY8.21%

FCF(TTM)0.25

FCFY2.22%

OCF(TTM)0.28

OCFY2.49%

SpS3.98

BVpS13.27

TBVpS10.91

PEG (NY)1.46

PEG (5Y)1.08

Profitability

		Industry Rank	Sector Rank
ROA	0.45%
ROE	4.45%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	14.84%
GM	N/A
FCFM	6.31%

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-Score8

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	30.01%
Cap/Sales	0.77%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	42.54%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC15.12%

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)0%

EPS 3Y-16.41%

EPS 5Y16.63%

EPS Q2Q%-17.65%

EPS Next Y12.3%

EPS Next 2Y18.59%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)3.13%

Revenue growth 3Y-9.41%

Revenue growth 5Y0.4%

Sales Q2Q%2.9%

Revenue Next Year2.11%

Revenue Next 2Y5.71%

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-82.23%

FCF growth 3Y-77.14%

FCF growth 5YN/A

OCF growth 1Y-80.86%

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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