Financials HarborOne Bancorp, Inc.

Equities

HONE

US41165Y1001

Banks

Market Closed - Nasdaq 04:00:00 2024-04-26 pm EDT 5-day change 1st Jan Change
10.26 USD +0.29% Intraday chart for HarborOne Bancorp, Inc. +5.23% -14.36%

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 642.1 591.3 739 639.3 512.7 442.9 -
Enterprise Value (EV) 1 642.1 591.3 739 639.3 512.7 442.9 442.9
P/E ratio 33.3 x 13.2 x 13 x 14.3 x 32.4 x 16.7 x 13 x
Yield - 0.83% 1.35% 2.01% - 3.12% 3.18%
Capitalization / Revenue 5.89 x 4.93 x 5.63 x 4.29 x 4.03 x 3.62 x 3.37 x
EV / Revenue 5.89 x 4.93 x 5.63 x 4.29 x 4.03 x 3.62 x 3.37 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book - 0.89 x 1.14 x 1.1 x 0.93 x 0.78 x 0.74 x
Nbr of stocks (in thousands) 58,430 54,451 49,799 45,990 42,799 43,167 -
Reference price 2 10.99 10.86 14.84 13.90 11.98 10.26 10.26
Announcement Date 1/27/20 1/28/21 1/27/22 1/26/23 1/30/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 109.1 120.1 131.4 149 127.3 122.3 131.4
EBITDA - - - - - - -
EBIT 1 - - - - 30.8 35.8 49.29
Operating Margin - - - - 24.2% 29.28% 37.51%
Earnings before Tax (EBT) 1 22.68 58.01 80.45 61.73 25.12 33.83 41.51
Net income 1 18.27 44.79 58.52 45.59 16.08 25.33 31.16
Net margin 16.75% 37.31% 44.54% 30.6% 12.63% 20.71% 23.71%
EPS 2 0.3300 0.8200 1.140 0.9700 0.3700 0.6150 0.7900
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 - 0.0900 0.2000 0.2800 - 0.3200 0.3267
Announcement Date 1/27/20 1/28/21 1/27/22 1/26/23 1/30/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 32.8 33.98 33.27 37.2 39.33 39.19 34.4 32.1 31.08 29.69 29 30.09 30.57 31.63 31.57
EBITDA - - - - - - - - - - - - - - -
EBIT 1 - - - - 19.1 - 11.58 13.04 10.81 -4.617 5.678 9.954 11 9.163 10.84
Operating Margin - - - - 48.57% - 33.66% 40.61% 34.77% -15.55% 19.58% 33.08% 35.99% 28.97% 34.34%
Earnings before Tax (EBT) 1 17.17 16.4 17.16 13.8 18.44 12.34 9.713 9.754 10.92 -5.261 4.7 8.998 9.282 8.109 8.425
Net income 1 12.26 12.59 12.27 9.987 13.76 9.577 7.297 7.479 8.412 -7.111 3.619 6.736 6.947 6.07 6.312
Net margin 37.37% 37.05% 36.87% 26.85% 34.98% 24.44% 21.21% 23.3% 27.07% -23.95% 12.48% 22.39% 22.72% 19.19% 20%
EPS 2 0.2400 0.2500 0.2500 0.2100 0.3000 0.2100 0.1600 0.1700 0.2000 -0.1700 0.0900 0.1600 0.1667 0.1467 0.1600
Dividend per Share 2 0.0500 0.0500 0.0700 0.0700 0.0700 0.0700 0.0750 0.0750 - - 0.0800 0.0800 0.0800 0.0800 0.0833
Announcement Date 10/26/21 1/27/22 4/28/22 7/26/22 10/26/22 1/26/23 4/27/23 7/25/23 10/24/23 1/30/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) - 6.58% 8.51% 6.86% 2.68% 4.48% 5.78%
ROA (Net income/ Total Assets) - 1.05% 1.3% 0.98% 0.29% 0.44% 0.54%
Assets 1 - 4,271 4,519 4,666 5,514 5,757 5,734
Book Value Per Share 2 - 12.20 13.00 12.60 12.90 13.20 13.80
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/27/20 1/28/21 1/27/22 1/26/23 1/30/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
4
Last Close Price
10.26 USD
Average target price
12.25 USD
Spread / Average Target
+19.40%
Consensus
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  4. Financials HarborOne Bancorp, Inc.