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Financial Services - Banks - Regional - NASDAQ - US
$ 13.11
0.229 %
$ 578 M
Market Cap
45.21
P/E
1. INTRINSIC VALUE

HarborOne Bancorp, Inc. operates as the holding company for HarborOne Bank that provides financial services to individuals, families, small and mid-size businesses, and municipalities. The company operates in two segments, HarborOne Bank and HarborOne Mortgage. Its primary deposit products include checking, money market, savings, and term certificate of deposit accounts; and lending products comprise commercial real estate, commercial, residential mortgages, and consumer loans, including indirect automobile lease loans. The company also originates, sells, and services residential mortgage loans. In addition, it provides a range of educational services, such as classes on small business, financial literacy, and personal enrichment. As of December 31, 2021, the company operated through a network of 30 full-service branches located in Massachusetts and Rhode Island, as well as commercial lending offices in each of Boston, Massachusetts, and Providence, Rhode Island.[ Read More ]

The intrinsic value of one HONE stock under the base case scenario is HIDDEN Compared to the current market price of 13.1 USD, HarborOne Bancorp, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart HONE

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FINANCIALS
163 M REVENUE
-20.23%
50 M OPERATING INCOME
-40.95%
16.1 M NET INCOME
-64.73%
44.1 M OPERATING CASH FLOW
-36.06%
-197 M INVESTING CASH FLOW
79.34%
273 M FINANCING CASH FLOW
-65.34%
77.2 M REVENUE
-0.39%
1.9 M OPERATING INCOME
-81.91%
-7.35 M NET INCOME
-100.78%
7.77 M OPERATING CASH FLOW
143.90%
87.7 M INVESTING CASH FLOW
332.47%
-10.2 M FINANCING CASH FLOW
87.38%
Balance Sheet Decomposition HarborOne Bancorp, Inc.
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Current Assets 246 M
Cash & Short-Term Investments 227 M
Receivables 18.2 M
Other Current Assets 0
Non-Current Assets 442 M
Long-Term Investments 264 M
PP&E 71.6 M
Other Non-Current Assets 107 M
Current Liabilities 2.25 B
Accounts Payable 5.25 M
Short-Term Debt 303 M
Other Current Liabilities 1.94 B
Non-Current Liabilities 4.78 B
Long-Term Debt 265 M
Other Non-Current Liabilities 4.52 B
EFFICIENCY
Earnings Waterfall HarborOne Bancorp, Inc.
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Revenue 163 M
Cost Of Revenue 0
Gross Profit 163 M
Operating Expenses 113 M
Operating Income 50 M
Other Expenses 33.9 M
Net Income 16.1 M
RATIOS
100.00% GROSS MARGIN
100.00%
30.59% OPERATING MARGIN
30.59%
9.84% NET MARGIN
9.84%
2.75% ROE
2.75%
0.28% ROA
0.28%
2.78% ROIC
2.78%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis HarborOne Bancorp, Inc.
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Net Income 16.1 M
Depreciation & Amortization 4.6 M
Capital Expenditures -4.48 M
Stock-Based Compensation 4.67 M
Change in Working Capital 15.6 M
Others 20.5 M
Free Cash Flow 39.6 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets HarborOne Bancorp, Inc.
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Wall Street analysts predict an average 1-year price target for HONE of $14 , with forecasts ranging from a low of $14 to a high of $14 .
HONE Lowest Price Target Wall Street Target
14 USD 6.79%
HONE Average Price Target Wall Street Target
14 USD 6.79%
HONE Highest Price Target Wall Street Target
14 USD 6.79%
4. DIVIDEND ANALYSIS
0.66% DIVIDEND YIELD
0.08 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership HarborOne Bancorp, Inc.
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Sold
0-3 MONTHS
162 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
2 months ago
Sep 10, 2024
Sell 162 K USD
Tryder David E.
SVP, Chief Marketing Officer
- 13000
12.4843 USD
1 year ago
May 16, 2023
Bought 21.4 K USD
CASEY JOSEPH F
President and CEO
+ 2762
7.76 USD
1 year ago
May 12, 2023
Bought 35.2 K USD
Sullivan Michael James
Chairman of the Board
+ 4500
7.82 USD
1 year ago
May 04, 2023
Bought 82.5 K USD
CASEY JOSEPH F
President and CEO
+ 10000
8.25 USD
1 year ago
May 04, 2023
Bought 47.3 K USD
Simmons Linda
EVP, CFO
+ 6000
7.88 USD
2 years ago
Oct 31, 2022
Sell 1.27 M USD
Jezard Gordon
Director
- 83263
15.2473 USD
2 years ago
Jul 28, 2022
Sell 10.3 K USD
McQuade Joseph E.
SVP, CER Officer
- 709
14.48 USD
2 years ago
Mar 29, 2022
Sell 708 K USD
Blake James W.
Chief Executive Officer
- 49389
14.3347 USD
2 years ago
Mar 28, 2022
Sell 705 K USD
Blake James W.
Chief Executive Officer
- 50000
14.1059 USD
2 years ago
Mar 25, 2022
Sell 724 K USD
Blake James W.
Chief Executive Officer
- 50000
14.4788 USD
2 years ago
Mar 24, 2022
Sell 712 K USD
Blake James W.
Chief Executive Officer
- 50000
14.2395 USD
2 years ago
Mar 23, 2022
Sell 571 K USD
Blake James W.
Chief Executive Officer
- 40053
14.2465 USD
2 years ago
Mar 22, 2022
Sell 727 K USD
Blake James W.
Chief Executive Officer
- 50000
14.5472 USD
2 years ago
Mar 21, 2022
Sell 719 K USD
Blake James W.
Chief Executive Officer
- 50000
14.3815 USD
2 years ago
Mar 18, 2022
Sell 719 K USD
Blake James W.
Chief Executive Officer
- 50000
14.3886 USD
2 years ago
Mar 17, 2022
Sell 749 K USD
Blake James W.
Chief Executive Officer
- 50000
14.972 USD
2 years ago
Mar 16, 2022
Sell 742 K USD
Blake James W.
Chief Executive Officer
- 50000
14.8459 USD
2 years ago
Mar 15, 2022
Sell 747 K USD
Blake James W.
Chief Executive Officer
- 50000
14.9331 USD
2 years ago
Mar 14, 2022
Sell 758 K USD
Blake James W.
Chief Executive Officer
- 50000
15.1576 USD
2 years ago
Mar 11, 2022
Sell 755 K USD
Blake James W.
Chief Executive Officer
- 50000
15.0974 USD
3 years ago
Nov 04, 2021
Sell 215 K USD
Tryder David E.
SVP, Chief Marketing Officer
- 14500
14.83 USD
3 years ago
May 11, 2021
Sell 222 K USD
Koretz Barry R.
Director
- 16000
13.88 USD
4 years ago
May 05, 2020
Bought 121 USD
CASEY JOSEPH F
President and COO
+ 16
7.57 USD
4 years ago
May 05, 2020
Bought 11.5 K USD
CASEY JOSEPH F
President and COO
+ 1500
7.65 USD
4 years ago
May 13, 2020
Bought 25.6 K USD
CASEY JOSEPH F
President and COO
+ 3500
7.31 USD
4 years ago
May 12, 2020
Bought 26.3 K USD
CASEY JOSEPH F
President and COO
+ 3500
7.51 USD
4 years ago
May 12, 2020
Bought 26.4 K USD
CASEY JOSEPH F
President and COO
+ 3500
7.53 USD
4 years ago
May 12, 2020
Bought 18.9 K USD
CASEY JOSEPH F
President and COO
+ 2500
7.55 USD
4 years ago
May 12, 2020
Bought 7.57 K USD
CASEY JOSEPH F
President and COO
+ 1000
7.57 USD
4 years ago
May 05, 2020
Bought 15.2 K USD
CASEY JOSEPH F
President and COO
+ 2000
7.6 USD
4 years ago
May 04, 2020
Bought 18.9 K USD
CASEY JOSEPH F
President and COO
+ 2500
7.55 USD
4 years ago
May 04, 2020
Bought 7.57 K USD
CASEY JOSEPH F
President and COO
+ 1000
7.57 USD
4 years ago
May 04, 2020
Bought 7.6 K USD
CASEY JOSEPH F
President and COO
+ 1000
7.6 USD
4 years ago
May 04, 2020
Bought 6.49 K USD
CASEY JOSEPH F
President and COO
+ 850
7.63 USD
4 years ago
May 04, 2020
Bought 5.74 K USD
CASEY JOSEPH F
President and COO
+ 750
7.65 USD
4 years ago
May 01, 2020
Bought 11.6 K USD
CASEY JOSEPH F
President and COO
+ 1500
7.76 USD
5 years ago
Nov 07, 2019
Bought 10.7 K USD
Sullivan Michael James
Chairman of the Board
+ 1000
10.735 USD
5 years ago
Nov 08, 2019
Bought 10.6 K USD
Sullivan Michael James
Chairman of the Board
+ 1000
10.65 USD
5 years ago
Sep 03, 2019
Bought 98.4 K USD
Blake James W.
CEO & Secretary
+ 10000
9.8432 USD
5 years ago
Aug 30, 2019
Bought 24.9 K USD
Simmons Linda
Senior V.P., CFO
+ 2500
9.95 USD
5 years ago
May 09, 2019
Sell 74.8 K USD
Peckham Wallace H. III
Director
- 4000
18.6924 USD
6 years ago
Sep 05, 2018
Sell 66.9 K USD
Tryder David E.
SVP & Chief Marketing Officer
- 3400
19.6763 USD
6 years ago
Sep 05, 2018
Sell 67 K USD
Gibbons Christopher K.
Sr. VP - Consumer Lending
- 3418
19.6 USD
7 years ago
Nov 13, 2017
Sell 45.8 K USD
Peckham Wallace H. III
Director
- 2500
18.3069 USD
7 years ago
Aug 21, 2017
Sell 89 K USD
Koretz Barry R.
Director
- 5000
17.8017 USD
8 years ago
Jun 29, 2016
Bought 600 K USD
Blake James W.
President, CEO and Secretary
+ 60000
10 USD
8 years ago
Jun 29, 2016
Bought 200 K USD
Blake James W.
President, CEO and Secretary
+ 20000
10 USD
8 years ago
Jun 29, 2016
Bought 400 K USD
Gibbons Christopher K.
Senior VP-Consumer Lending
+ 40000
10 USD
8 years ago
Jun 29, 2016
Bought 50 K USD
Gibbons Christopher K.
Senior VP-Consumer Lending
+ 5000
10 USD
8 years ago
Jun 29, 2016
Bought 85 K USD
Reilly David B.
Sr. Vice President-Operations
+ 8500
10 USD
8 years ago
Jun 29, 2016
Bought 15 K USD
Reilly David B.
Sr. Vice President-Operations
+ 1500
10 USD
8 years ago
Jun 29, 2016
Bought 10 K USD
Tryder David E.
Sr.VP,Chief Marketing Officer
+ 1000
10 USD
8 years ago
Jun 29, 2016
Bought 5 K USD
Tryder David E.
Sr.VP,Chief Marketing Officer
+ 500
10 USD
8 years ago
Jun 29, 2016
Bought 90 K USD
Williams Patricia M.
Senior VP-Human Resources
+ 9000
10 USD
8 years ago
Jun 29, 2016
Bought 30 K USD
Williams Patricia M.
Senior VP-Human Resources
+ 3000
10 USD
8 years ago
Jun 29, 2016
Bought 300 K USD
Frenette David P.
Director
+ 30000
10 USD
8 years ago
Jun 29, 2016
Bought 400 K USD
Gibbons Christopher K.
S.V.P. - Consumer Lending
+ 40000
10 USD
8 years ago
Jun 29, 2016
Bought 150 K USD
Koretz Barry R.
Director
+ 15000
10 USD
8 years ago
Jun 29, 2016
Bought 50 K USD
Koretz Barry R.
Director
+ 5000
10 USD
8 years ago
Jun 29, 2016
Bought 85 K USD
Reilly David B.
S.V.P. - Operations
+ 8500
10 USD
8 years ago
Jun 29, 2016
Bought 10 K USD
Tryder David E.
S.V.P. & Chief Marktg Officer
+ 1000
10 USD
8 years ago
Jun 29, 2016
Bought 100 K USD
Jezard Gordon
Director
+ 10000
10 USD
8 years ago
Jun 29, 2016
Bought 100 K USD
Sanborn H. Scott
S.V.P. - Commercial Lending
+ 10000
10 USD
8 years ago
Jun 29, 2016
Bought 90 K USD
Williams Patricia M.
S.V.P. - Human Resources
+ 9000
10 USD
8 years ago
Jun 29, 2016
Bought 50 K USD
Lynch Timothy R.
Director
+ 5000
10 USD
8 years ago
Jun 29, 2016
Bought 100 K USD
Peckham Wallace H. III
Director
+ 10000
10 USD
8 years ago
Jun 29, 2016
Bought 50 K USD
Barry Joseph F.
Director
+ 5000
10 USD
7. News
HarborOne Bancorp (HONE) Q3 Earnings and Revenues Lag Estimates HarborOne Bancorp (HONE) came out with quarterly earnings of $0.10 per share, missing the Zacks Consensus Estimate of $0.18 per share. This compares to earnings of $0.20 per share a year ago. zacks.com - 3 weeks ago
HarborOne Bancorp, Inc. Announces 2024 Third Quarter Results BROCKTON, Mass.--(BUSINESS WIRE)--HarborOne Bancorp, Inc. Announces 2024 Third Quarter Results. businesswire.com - 3 weeks ago
HarborOne Bancorp (HONE) Forms 'Hammer Chart Pattern': Time for Bottom Fishing? After losing some value lately, a hammer chart pattern has been formed for HarborOne Bancorp (HONE), indicating that the stock has found support. This, combined with an upward trend in earnings estimate revisions, could lead to a trend reversal for the stock in the near term. zacks.com - 1 month ago
HarborOne Bancorp, Inc. Declares Third Quarter 2024 Dividend BROCKTON, Mass.--(BUSINESS WIRE)--HarborOne Bancorp, Inc. Declares Third Quarter 2024 Dividend. businesswire.com - 1 month ago
Why HarborOne Bancorp (HONE) Might be Well Poised for a Surge HarborOne Bancorp (HONE) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions. zacks.com - 3 months ago
Here's Why HarborOne Bancorp (HONE) is a Great Momentum Stock to Buy Does HarborOne Bancorp (HONE) have what it takes to be a top stock pick for momentum investors? Let's find out. zacks.com - 3 months ago
HarborOne Bancorp (HONE) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates While the top- and bottom-line numbers for HarborOne Bancorp (HONE) give a sense of how the business performed in the quarter ended June 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 3 months ago
HarborOne Bancorp (HONE) Q2 Earnings and Revenues Surpass Estimates HarborOne Bancorp (HONE) came out with quarterly earnings of $0.18 per share, beating the Zacks Consensus Estimate of $0.16 per share. This compares to earnings of $0.17 per share a year ago. zacks.com - 3 months ago
HarborOne Bank announces ONECommunity Scholarship recipients. BROCKTON, Mass.--(BUSINESS WIRE)---- $HONE #Harborone--HarborOne Bank announced today that it has awarded $100,000 in ONECommunity scholarship grants to 20 college-bound students from Massachusetts and Rhode Island. Each recipient will receive a $5,000 scholarship paid directly to the college or university they will be attending in the fall of 2024. Since inception, the ONECommunity Scholarship Program has awarded $900,000 in college scholarships to local high school seniors demonstrating an outstanding commitment. businesswire.com - 4 months ago
HarborOne Bancorp, Inc. Announces Share Repurchase Program BROCKTON, Mass.--(BUSINESS WIRE)--HarborOne Bancorp, Inc. Announces Share Repurchase Program. businesswire.com - 5 months ago
Compared to Estimates, HarborOne Bancorp (HONE) Q1 Earnings: A Look at Key Metrics The headline numbers for HarborOne Bancorp (HONE) give insight into how the company performed in the quarter ended March 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 6 months ago
HarborOne Bancorp, Inc. Announces 2024 First Quarter Results BROCKTON, Mass.--(BUSINESS WIRE)--HarborOne Bancorp, Inc. Announces 2024 First Quarter Results. businesswire.com - 6 months ago
8. Profile Summary

HarborOne Bancorp, Inc. HONE

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 578 M
Dividend Yield 0.66%
Description HarborOne Bancorp, Inc. operates as the holding company for HarborOne Bank that provides financial services to individuals, families, small and mid-size businesses, and municipalities. The company operates in two segments, HarborOne Bank and HarborOne Mortgage. Its primary deposit products include checking, money market, savings, and term certificate of deposit accounts; and lending products comprise commercial real estate, commercial, residential mortgages, and consumer loans, including indirect automobile lease loans. The company also originates, sells, and services residential mortgage loans. In addition, it provides a range of educational services, such as classes on small business, financial literacy, and personal enrichment. As of December 31, 2021, the company operated through a network of 30 full-service branches located in Massachusetts and Rhode Island, as well as commercial lending offices in each of Boston, Massachusetts, and Providence, Rhode Island. It also had administrative offices in Brockton, Massachusetts, as well as 5 ATM locations in Massachusetts. The company was founded in 1917 and is based in Brockton, Massachusetts.
Contact 770 Oak Street, Brockton, MA, 02301 https://www.harborone.com
IPO Date June 30, 2016
Employees 542
Officers Ms. Brenda C. Diepold EVice President & Chief Banking Officer Mr. Joseph F. Casey President, Chief Executive Officer & Director Mr. H. Scott Sanborn Executive Vice President & Chief Lending Officer Mr. David E. Tryder Senior Vice President & Chief Marketing Officer Mr. Stephen W. Finocchio Executive Vice President & Chief Financial Officer Ms. Inez H. Friedman-Boyce Esq. Executive Vice President, Chief Legal Officer, General Counsel & Corporate Secretary Ms. Jacqueline Mayo Branch Administration Officer Mr. Brent W. Grable Senior Vice President & Chief Information Officer Mr. Paul Roukey FVice President & Interim Principal Accounting Officer Ms. Andrea Carinci Vice President of Compliance