Is HarborOne Bancorp, Inc. overvalued or undervalued?

As of 24 October 2025, the valuation grade for HarborOne Bancorp, Inc. moved from expensive to fair. This indicates that the company is fairly valued at this time. Key valuation 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 to peers, HarborOne's P/E ratio is higher than Hanmi Financial Corp. at 12.92 and MetroCity Bankshares, Inc. at 11.52, suggesting it is relatively more expensive among its peers.
In terms of recent performance, HarborOne's stock has returned 15.74% over the past year, which is slightly below the S&P 500's return of 16.90%, and it has underperformed over the longer three- and five-year periods compared to the index. Overall, the company appears to be fairly valued based on the current metrics and peer comparisons.