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Company Analysis

HarborOne Bancorp, Inc. HONE

A comprehensive view of key metrics, scores, and financial health for HarborOne Bancorp, Inc.

Overview of HarborOne Bancorp, Inc.

HONE
Financial Services Banks - Regional
HarborOne Bancorp, Inc. (HONE), in the Banks - Regional industry.
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Previous close
Enterprise Value
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Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Excellent
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Excellent
Completeness: 6%
Confidence: 2%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Insufficient data

Engine Room Money Flow™

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$271.4M
17.1%%
Interest Expense
$145.8M
Net Interest Income
$125.7M
-8.1%%
Total Revenue
$313.7M
10.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
4.8%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$34.7M
126.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
Analysis based on partial data. Some metrics unavailable for complete assessment.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating HarborOne Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
24
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
15
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 52% Coverage
Trade-Off Triangle Visualization A ternary plot showing HONE's balance between Growth (20.4%), Profitability (24.8%), and Safety (54.8%). Growth 20% Safety 55% Profitability 25%

Click axes to expand details. Marker shows current allocation.

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Growth

21th percentile vs peers
22
Key Signals
Asset Growth YoY 1.5% 30p NII Growth YoY -8.1% 13p
Strengths
  • D/E Ratio in top 20% of peers (89.8%, 81th percentile)
  • Conservative leverage compared to industry peers
Risks
  • NII Growth YoY in bottom 20% of peers (-8.1%)
  • Growth below peer median (percentile: 21)

Profitability

26th percentile vs peers
26
Key Signals
Strengths
Risks
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Safety

58th percentile vs peers
58
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for HarborOne Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bull
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Fair Value Range Current: $-
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