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HarborOne Bancorp, Inc. HONE
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 11.38
-0.955 %
$ 491 M
Market Cap
18.11
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one HONE stock under the worst case scenario is HIDDEN Compared to the current market price of 11.4 USD, HarborOne Bancorp, Inc. is HIDDEN

HONE Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one HONE stock under the base case scenario is HIDDEN Compared to the current market price of 11.4 USD, HarborOne Bancorp, Inc. is HIDDEN

HONE Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one HONE stock under the best case scenario is HIDDEN Compared to the current market price of 11.4 USD, HarborOne Bancorp, Inc. is HIDDEN

HONE Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart HONE

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1M 21%
6M -13%
1Y 9%
3Y -11%
5Y 59%
All
$13.0$13.0$12.5$12.5$12.0$12.0$11.5$11.5$11.0$11.0$10.5$10.5$10.0$10.0$9.5$9.5$9.0$9.015 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '25
FINANCIALS
168 M REVENUE
2.75%
Growth Rates
1Year 2.75%
3Years -9.23%
5Years 1.65%
7Years 4.28%
10Years 11.11%
24.5 M OPERATING INCOME
-8.62%
Growth Rates
1Year -8.62%
3Years -32.74%
5Years 1.54%
7Years -4.17%
10Years 7.14%
27.4 M NET INCOME
70.47%
Growth Rates
1Year 70.47%
3Years -22.34%
5Years 8.45%
7Years 14.88%
10Years 26.70%
3.84 M OPERATING CASH FLOW
-92.82%
Growth Rates
1Year -92.82%
3Years -74.23%
5Years 16.07%
7Years -29.39%
10Years -14.63%
-76.7 M INVESTING CASH FLOW
61.01%
Growth Rates
1Year 61.01%
3Years 31.73%
5Years 19.64%
7Years 14.91%
10Years 4.06%
76.6 M FINANCING CASH FLOW
-71.90%
Growth Rates
1Year -71.90%
3Years 139.06%
5Years -27.07%
7Years -14.22%
10Years 0.21%
72.2 M REVENUE
62.92%
Growth Rates
1Year 2.75%
3Years -9.23%
5Years 1.65%
7Years 4.28%
10Years 11.11%
5.02 M OPERATING INCOME
0.00%
Growth Rates
1Year -8.62%
3Years -32.74%
5Years 1.54%
7Years -4.17%
10Years 7.14%
8.89 M NET INCOME
126.48%
Growth Rates
1Year 70.47%
3Years -22.34%
5Years 8.45%
7Years 14.88%
10Years 26.70%
3.49 M OPERATING CASH FLOW
-86.01%
Growth Rates
1Year -92.82%
3Years -74.23%
5Years 16.07%
7Years -29.39%
10Years -14.63%
15.2 M INVESTING CASH FLOW
159.70%
Growth Rates
1Year 61.01%
3Years 31.73%
5Years 19.64%
7Years 14.91%
10Years 4.06%
-16.3 M FINANCING CASH FLOW
-59.40%
Growth Rates
1Year -71.90%
3Years 139.06%
5Years -27.07%
7Years -14.22%
10Years 0.21%
Balance Sheet HarborOne Bancorp, Inc.
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Current Assets 249 M
Cash & Short-Term Investments 231 M
Receivables 18.4 M
Other Current Assets 0
Non-Current Assets 106 M
Long-Term Investments 360 M
PP&E 46.3 M
Other Non-Current Assets -301 M
65.00 %5.17 %101.39 %13.01 %Total Assets$355.5m
Current Liabilities 2.47 B
Accounts Payable 6.58 M
Short-Term Debt 0
Other Current Liabilities 2.46 B
Non-Current Liabilities 305 M
Long-Term Debt 305 M
Other Non-Current Liabilities 0
88.77 %10.99 %Total Liabilities$2.8b
EFFICIENCY
Earnings Waterfall HarborOne Bancorp, Inc.
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Revenue 168 M
Cost Of Revenue 0
Gross Profit 168 M
Operating Expenses 8.77 M
Operating Income 24.5 M
Other Expenses -2.93 M
Net Income 27.4 M
180m180m160m160m140m140m120m120m100m100m80m80m60m60m40m40m20m20m00168m0168m(9m)24m3m27mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.59%
5Years 100.51%
7Years 97.47%
10Years 97.72%
14.57% OPERATING MARGIN
14.57%
Averages
1Year 14.57%
3Years 22.96%
5Years 28.17%
7Years 25.26%
10Years 25.07%
16.32% NET MARGIN
16.32%
Averages
1Year 16.32%
3Years 16.22%
5Years 18.95%
7Years 16.21%
10Years 13.38%
4.77% ROE
4.77%
Averages
1Year 4.77%
3Years 4.97%
5Years 5.99%
7Years 5.13%
10Years 4.37%
0.48% ROA
0.48%
Averages
1Year 0.48%
3Years 0.54%
5Years 0.78%
7Years 0.67%
10Years 0.56%
-0.93% ROIC
-0.93%
Averages
1Year -0.93%
3Years 1.94%
5Years 2.76%
7Years 2.38%
10Years 1.88%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis HarborOne Bancorp, Inc.
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250m250m200m200m150m150m100m100m50m50m00(50m)(50m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 27.4 M
Depreciation & Amortization 4.49 M
Capital Expenditures -1.24 M
Stock-Based Compensation 4.74 M
Change in Working Capital 0
Others -39.6 M
Free Cash Flow 2.6 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 23.02%
HONE Average Price Target Wall Street Target
14 USD 23.02%
HONE Highest Price Target Wall Street Target
14 USD 23.02%
Price
Max Price Target
Min Price Target
Average Price Target
141414141313131312121212111111111010101099Jun '24Jun '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.77% DIVIDEND YIELD
0.09 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.2500.2500.2000.2000.1500.1500.1000.1000.0500.0500.0000.0000.050.0750.050.070.0750.080.080.090.030.050.070.0750.080.030.160.030.230.050.200.070.230.070.230.0750.160.080.080.080.08202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 17
6. Ownership
Insider Ownership HarborOne Bancorp, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
162 K USD 1
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
7. News
HARBORONE BANCORP INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of HarborOne Bancorp - HONE NEW YORK & NEW ORLEANS--(BUSINESS WIRE)--Former Attorney General of Louisiana Charles C. Foti, Jr., Esq. and the law firm of Kahn Swick & Foti, LLC (“KSF”) are investigating the proposed sale of HarborOne Bancorp (NasdaqGS: HONE) to Eastern Bankshares, Inc. (NasdaqGS: EBC). Under the terms of the proposed transaction, shareholders of HarborOne may elect to receive either 0.765 shares of Eastern or $12.00 in cash (subject to certain allocation procedures), for each share of HarborOne that th. businesswire.com - 3 weeks ago
$HAREHOLDER ALERT: The M&A Class Action Firm Investigates the Merger of HarborOne Bancorp - HONE NEW YORK , April 25, 2025 /PRNewswire/ -- Monteverde & Associates PC (the "M&A Class Action Firm"), has recovered millions of dollars for shareholders and is recognized as a Top 50 Firm in the 2024 ISS Securities Class Action Services Report. We are headquartered at the Empire State Building in New York City and are investigating HarborOne Bancorp (NASDAQ: HONE ), relating to the proposed merger with Eastern Bankshares, Inc. Under the terms of the agreement, shareholders of HarborOne will receive either 0.765 shares of Eastern common stock or $12.00 in cash, per share of HarborOne common stock. prnewswire.com - 3 weeks ago
ALERT: Rowley Law PLLC is Investigating Proposed Acquisition of HarborOne Bancorp, Inc. NEW YORK , April 25, 2025 /PRNewswire/ -- Rowley Law PLLC is investigating potential securities law violations by HarborOne Bancorp, Inc. (NASDAQ: HONE) and its board of directors concerning the proposed acquisition of the company by Eastern Bankshares, Inc. (NASDAQ: EBC). Stockholders will receive $12.00 in cash or 0.765 shares of Eastern Bankshares common stock for each share of HarborOne Bancorp stock that they hold. prnewswire.com - 3 weeks ago
HarborOne Bancorp (HONE) Lags Q1 Earnings and Revenue Estimates HarborOne Bancorp (HONE) came out with quarterly earnings of $0.14 per share, missing the Zacks Consensus Estimate of $0.17 per share. This compares to earnings of $0.17 per share a year ago. zacks.com - 3 weeks ago
HONE Stock Alert: Halper Sadeh LLC Is Investigating Whether the Sale of HarborOne Bancorp Is Fair to Shareholders NEW YORK--(BUSINESS WIRE)--Halper Sadeh LLC, an investor rights law firm, is investigating whether the sale of HarborOne Bancorp (NASDAQ: HONE) to Eastern Bankshares, Inc. for either 0.765 shares of Eastern common stock or $12.00 in cash per share is fair to HarborOne shareholders. Halper Sadeh encourages HarborOne shareholders to click here to learn more about their legal rights and options or contact Daniel Sadeh or Zachary Halper at (212) 763-0060 or sadeh@halpersadeh.com or zhalper@halpersa. businesswire.com - 3 weeks ago
Eastern Bankshares, Inc. and HarborOne Bancorp, Inc. Enter Into Definitive Agreement To Merge BOSTON & BROCKTON, Mass.--(BUSINESS WIRE)--Eastern Bankshares, Inc. (“Eastern” or “the Company”) (Nasdaq: EBC), the holding company for Eastern Bank, and HarborOne Bancorp (“HarborOne”) (Nasdaq: HONE), the holding company for HarborOne Bank, today jointly announced they have entered into a definitive merger agreement pursuant to which HarborOne will merge with and into Eastern in a stock and cash transaction. Under the terms of the merger agreement, which has been unanimously adopted by both bo. businesswire.com - 3 weeks ago
HarborOne Bancorp, Inc. Announces 2025 First Quarter Results BROCKTON, Mass.--(BUSINESS WIRE)--HarborOne Bancorp, Inc. Announces 2025 First Quarter Results. businesswire.com - 3 weeks ago
HarborOne Bancorp, Inc. Announces 12.5% Increase in First Quarter 2025 Dividend BROCKTON, Mass.--(BUSINESS WIRE)--HarborOne Bancorp, Inc. Announces 12.5% Increase in First Quarter 2025 Dividend. businesswire.com - 1 month ago
HarborOne Bancorp, Inc. Announces 2025 Annual Meeting Information BROCKTON, Mass.--(BUSINESS WIRE)--HarborOne Bancorp, Inc. Announces 2025 Annual Meeting Information. businesswire.com - 3 months ago
Here's What Key Metrics Tell Us About HarborOne Bancorp (HONE) Q4 Earnings While the top- and bottom-line numbers for HarborOne Bancorp (HONE) give a sense of how the business performed in the quarter ended December 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) Q4 Earnings and Revenues Top Estimates HarborOne Bancorp (HONE) came out with quarterly earnings of $0.20 per share, beating the Zacks Consensus Estimate of $0.18 per share. This compares to earnings of $0.09 per share a year ago. zacks.com - 3 months ago
HarborOne Bancorp, Inc. Announces 2024 Fourth Quarter Results BROCKTON, Mass.--(BUSINESS WIRE)--HarborOne Bancorp, Inc. Announces 2024 Fourth Quarter Results. businesswire.com - 3 months ago
8. Profile Summary

HarborOne Bancorp, Inc. HONE

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 491 M
Dividend Yield 0.77%
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 516
Officers Mr. Stephen W. Finocchio Executive Vice President & Chief Financial Officer Mr. H. Scott Sanborn Executive Vice President & Chief Lending Officer Ms. Andrea Carinci Vice President of Compliance Ms. Inez H. Friedman-Boyce Esq. Executive Vice President, Chief Legal Officer, General Counsel & Corporate Secretary Mr. David E. Tryder Senior Vice President & Chief Marketing Officer Mr. Joseph E. McQuade Executive Vice President & Chief Enterprise Risk Officer Mr. Paul Roukey FVice President & Interim Principal Accounting Officer Mr. Brent W. Grable Senior Vice President & Chief Information Officer Ms. Jacqueline Mayo Branch Administration Officer Mr. Joseph F. Casey President, Chief Executive Officer & Director