Is HarborOne Bancorp, Inc. overvalued or undervalued?

As of 24 October 2025, the valuation grade for HarborOne Bancorp, Inc. moved from expensive to fair. The company appears fairly valued based on its current metrics. Key ratios include a P/E ratio of 22, a Price to Book Value of 0.97, and an EV to EBITDA of 30.17. In comparison, Horizon Bancorp, Inc. has a P/E of 16.37, while Cantaloupe, Inc. stands out with a more attractive P/E of 13.56.
In terms of stock performance, HarborOne Bancorp has underperformed relative to the S&P 500 over the 1-week, 1-month, and 3-year periods, but it has shown positive returns year-to-date and over the last year. Overall, these factors suggest that while the stock is currently fairly valued, its recent performance relative to the benchmark indicates potential challenges ahead.