HarborOne Bancorp, Inc. (HONE) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Business First Bancshares, Inc.

Hanmi Financial Corp.

MetroCity Bankshares, Inc.

Cantaloupe, Inc.

Peapack-Gladstone Financial Corp.

South Plains Financial, Inc. (Texas)

HarborOne Bancorp, Inc.

Washington Trust Bancorp, Inc.

Midland States Bancorp, Inc.

Cambridge Bancorp

Horizon Bancorp, Inc. (Indiana)

Why is HarborOne Bancorp, Inc. ?

Strong Long Term Fundamental Strength with a 0.69% CAGR growth in Net Profits

Positive results in Jun 25

NII(Q) Highest at USD 33.22 MM
CASH AND EQV(HY) Highest at USD 91.73 MM
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 0.27%, it has a fair valuation with a 0.97 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 1.94%, its profits have fallen by -4.6%

High Institutional Holdings at 60.05%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Underperformed the market in the last 1 year

The stock has generated a return of 1.94% in the last 1 year, much lower than market (S&P 500) returns of 12.33%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to HarborOne Bancorp, Inc. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is HarborOne Bancorp, Inc. for you?

Medium Risk, Medium Return

Absolute

Risk Adjusted

Volatility

HarborOne Bancorp, Inc.

1.94%

0.54

33.91%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

11.71%

EBIT Growth (5y)

-5.54%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

48.42%

Pledged Shares

Institutional Holding

60.05%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.97

EV to EBIT

37.75

EV to EBITDA

30.17

EV to Capital Employed

0.97

EV to Sales

2.49

PEG Ratio

Dividend Yield

201.64%

ROCE (Latest)

2.57%

ROE (Latest)

4.45%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

Mildly Bearish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

11What is working for the Company

NII(Q)

Highest at USD 33.22 MM

CASH AND EQV(HY)

Highest at USD 91.73 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT(Q)

Highest at USD 12.33 MM

OPERATING PROFIT MARGIN(Q)

Highest at 18.8 %

PRE-TAX PROFIT(Q)

Highest at USD 12.33 MM

NET PROFIT(Q)

Highest at USD 9.35 MM

-4What is not working for the Company

GROSS NPA (%)

CREDIT DEPOSIT RATIO(HY)

Lowest at 105.2%

Here's what is working for HarborOne Bancorp, Inc.

NII

Highest at USD 33.22 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Operating Profit

Highest at USD 12.33 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 18.8 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 12.33 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 9.35 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Cash and Eqv

Highest at USD 91.73 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

CASA

Highest at 12.2%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for HarborOne Bancorp, Inc.

Non Performing Loans (%)

Highest at 0.69% and Grown

In each half year in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Credit Deposit Ratio

Lowest at 105.2%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)