Overview

Financials

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HONE fundamentals

Overview Statements Statistics Dividends Earnings Revenue

Key facts

‪490.38 M‬USD

3.16%

18.29

0.63USD

2016

535

Joseph F. X. Casey

harboronebancorp.com

About

HarborOne Bancorp, Inc. is a bank holding company, which engages in the ownership of all the outstanding stock of HarborOne Bank, a state-chartered trust company. It operates under the HarborOne Bank and HarborOne Mortgage segments. The HarborOne Bank segment focuses on generating the consolidated net interest income and requires the provision for credit losses. The HarborOne Mortgage segment focuses on noninterest income. The company was founded in 2016 and is headquartered in Brockton, MA.

Ownership

‪‪43.09 M‬‬

Free Float shares

‪‪37.62 M‬‬ (87.3%)

Closely held shares

‪‪5.47 M‬‬ (12.7%)

Free Float shares

‪‪37.62 M‬‬ (87.3%)

Closely held shares

‪‪5.47 M‬‬ (12.7%)

Capital structure

Market cap

‪‪490.38 M‬‬

Debt

‪‪421.69 M‬‬

Cash & equivalents

‪‪44.38 M‬‬

Enterprise value

‪‪867.68 M‬‬

Valuation

Fundamental metrics to determine fair value of the stock

Summary

‪‪490.38 M‬‬

Price to earning ratio (P/E)

18.29x

Price to sales ratio (P/S)

1.51x

Market Cap

Net income

Revenue

Price to earning ratio (P/E)

18.29x

Price to sales ratio (P/S)

1.51x

Valuation ratios

‪0.00‬

‪0.50‬

‪1.00‬

‪1.50‬

‪2.00‬

Q1 '24

Q2 '24

Q3 '24

Q4 '24

Q1 '25

‪0.00‬

‪12.00‬

‪24.00‬

‪36.00‬

‪48.00‬

P/E

P/S

Growth and Profitability

Company’s recent performance and margins

Performance

‪5.0%‬

‪6.6%‬

‪8.2%‬

‪9.8%‬

‪11.4%‬

Q1 '24

Q2 '24

Q3 '24

Q4 '24

Q1 '25

‪0.00‬

‪‪20.00 M‬‬

‪‪40.00 M‬‬

‪‪60.00 M‬‬

‪‪80.00 M‬‬

Total revenue

Net income

Net margin %

Revenue to profit conversion

Total revenue

Int. expense & PCL

Non-int. expense

Op income

Unusual income/ expense

Pretax income

Taxes & Other

Net income

‪0.00‬

‪‪20.00 M‬‬

‪‪40.00 M‬‬

‪‪60.00 M‬‬

‪‪80.00 M‬‬

Total revenue

Int. & Non-int. expenses

Op income

Expenses & adjustments

Net income

‪0.00‬

‪‪20.00 M‬‬

‪‪40.00 M‬‬

‪‪60.00 M‬‬

‪‪80.00 M‬‬

Revenue breakdown

Revenue streams and regions a business earns money from

By source/business

Period: 2024

HarborOne Bank

HarborOne Mortgage

Other

By country

Period: 2024

United States

Estimates

Revenue and Earnings forecasts and estimates accuracy

Revenue

Q2 '24

Q3 '24

Q4 '24

Q1 '25

Q2 '25

‪0.00‬

‪‪12.00 M‬‬

‪‪24.00 M‬‬

‪‪36.00 M‬‬

‪‪48.00 M‬‬

Actual

Estimate

Earnings

Next:Jul 29, 2025

Q2 '24

Q3 '24

Q4 '24

Q1 '25

Q2 '25

‪0.00‬

‪0.05‬

‪0.10‬

‪0.15‬

‪0.20‬

Actual

Estimate

Dividends

Dividend yield, history and sustainability

Dividend summary

52.95%

Earnings retained

Payout ratio (TTM)

Dividend yield TTM

2.90%

Last payment

0.09

Last ex-date

Apr 9, 2025

Last pay date

Apr 23, 2025

Dividend history

‪0.8%‬

‪1.3%‬

‪1.8%‬

‪2.3%‬

‪2.8%‬

2020

2021

2022

2023

2024

‪0.00‬

‪0.08‬

‪0.16‬

‪0.24‬

‪0.32‬

Dividends per share (FY)

Dividend yield (FY) %

Financial health

Financial position and solvency of the company

Loans and customer deposits

Q1 '24

Q2 '24

Q3 '24

Q4 '24

Q1 '25

‪‪−1.70 B‬‬

‪0.00‬

‪‪1.70 B‬‬

‪‪3.40 B‬‬

‪‪5.10 B‬‬

Net loans

Total deposits

Loan loss allowances

Capital adequacy analysis

Q1 '24

Q2 '24

Q3 '24

Q4 '24

Q1 '25

‪0.00‬

‪3.50‬

‪7.00‬

‪10.50‬

‪14.00‬

Common equity Tier 1 ratio

Tier 1 capital ratio

Total capital ratio