US · HONE
HarborOne Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Brockton, MA 02301
- Website
- harborone.com
Price · as of 2024-12-31
—
Market cap 522.22M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $28.64 | — |
| Intrinsic Value(DCF) | $11.56 | — |
| Graham-Dodd Method(GD) | $11.07 | — |
| Graham Formula(GF) | $12.27 | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | $3.58 | $3.70 | |||
| 2016 | $9.14 | $38.13 | $69.77 | $5.99 | $4.24 |
| 2017 | $9.83 | $323.72 | $5.29 | $6.81 | $2.32 |
| 2018 | $8.17 | $21.92 | $5.19 | $5.93 | $4.67 |
| 2019 | $8.66 | $41.12 | $11.54 | $12.33 | $12.51 |
| 2020 | $12.64 | $35.10 | $101.85 | $14.76 | $32.26 |
| 2021 | $13.64 | $278.46 | $13.04 | $15.06 | $0.00 |
| 2022 | $11.66 | $25.24 | $12.48 | $12.74 | $3.47 |
| 2023 | $9.74 | $20.93 | $11.80 | $9.55 | $12.13 |
| 2024 | $10.62 | $28.64 | $12.35 | $11.07 | $12.27 |
AI valuation
Our deep-learning model estimates HarborOne Bancorp, Inc.'s (HONE) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $28.64
- Current price
- —
- AI upside
- —
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$11.56
— upside
Graham-Dodd
$11.07
— upside
Graham Formula
$12.27
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| HONE | HarborOne Bancorp, Inc. | $12.10 | 522.22M | +137% | -4% | -8% | +1% | 15.97 | 0.76 | 1.40 | 11.86 | 20.38 | 0.93 | 50.90% | 10.92% | 8.74% | 4.73% | 4.45% | 0.48% | 0.90 | 0.24 | 0.11 | 0.11 | 7.37 | 7838.00% | 1070.00% | -9469.00% | 0.59% | 0.00 | 0.42% | 2.99% | 47.80% | 20.62% | 13.41 | 176.55 | 1.46 | -0.67 |
| ACNB | ACNB Corporation | $46.91 | 491.04M | -2% | +50% | -35% | +81% | 10.70 | 1.12 | 2.58 | 12.65 | 1984.13 | 1.36 | 84.05% | 30.58% | 24.09% | 10.97% | 12.09% | 1.32% | 0.90 | 1.69 | 0.04 | 0.04 | 5.22 | 54.00% | 1520.00% | -155.00% | 11.40% | 0.02 | 14.73% | 3.15% | 33.60% | 3.22% | 13.60 | 14.16 | 4.16 | -0.53 |
| ALRS | Alerus Financial Corporat… | $21.29 | 540.69M | +60% | -14% | -40% | +68% | 22.03 | 0.79 | 1.19 | 1.48 | 51.12 | 1.09 | 59.84% | 7.01% | 5.37% | 4.11% | 12.21% | 0.39% | 0.64 | 0.20 | 0.16 | 0.15 | 6.72 | 4310.00% | 3588.00% | -3548.00% | 4.23% | 0.01 | 11.39% | 3.94% | 86.90% | 4.01% | 2.43 | 3.39 | 0.17 | -0.69 |
| AROW | Arrow Financial Corporati… | $30.99 | 510.37M | -24% | -1% | -52% | +36% | 14.30 | 1.06 | 1.91 | -3.72 | — | 1.13 | 60.35% | 16.75% | 13.32% | 7.61% | -15.97% | 0.70% | 0.08 | 0.45 | 0.16 | 0.16 | -2.83 | 0.00% | 1637.00% | 11388.00% | 6.79% | 0.01 | -15.52% | 4.30% | 61.60% | 17.66% | -4.26 | -5.51 | -0.71 | -0.72 |
| BWB | Bridgewater Bancshares, I… | $16.79 | 463.15M | +192% | -3% | +19% | +31% | 11.72 | 0.84 | 1.53 | 4.76 | — | 0.88 | 41.45% | 17.00% | 13.05% | 7.43% | 16.56% | 0.68% | 0.99 | 0.30 | 0.17 | 0.17 | 4.78 | -1890.00% | 1079.00% | 5639.00% | 10.99% | 0.01 | 21.34% | 1.05% | 12.40% | 19.53% | 5.10 | 5.15 | 0.87 | -0.59 |
| GBFH | GBank Financial Holdings … | $35.26 | 503.43M | +228% | +147% | -46% | +260% | 20.59 | 2.60 | 3.93 | 17.11 | 572.41 | 2.79 | 65.84% | 24.72% | 19.09% | 13.66% | 11.37% | 1.68% | 0.23 | 0.81 | 32.29 | 0.87 | 1.21 | 360.00% | 8226.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 17.11 | — | 4.23 | 0.62 |
| MSBI | Midland States Bancorp, I… | $15.94 | 343.4M | +27% | +39% | -42% | +67% | 10.01 | 0.54 | 0.70 | -5.59 | — | 0.73 | 43.21% | 8.59% | 6.97% | 5.06% | 18.38% | 0.49% | 0.60 | 0.25 | 0.23 | 0.23 | 6.59 | -4335.00% | 739.00% | 1627.00% | 44.55% | 0.03 | 81.97% | 9.45% | 94.60% | 53.17% | -5.59 | -1.55 | -0.48 | -0.62 |
| NPB | Northpointe Bancshares, I… | $15.95 | 238.31M | +283% | +3,213% | +560% | +261% | 3.76 | 0.14 | 0.53 | -13.43 | 3.94 | 0.14 | 48.01% | 18.66% | 14.13% | 3.46% | -54.70% | 2.65% | 0.02 | 0.36 | 20.90 | 20.51 | -6.13 | 9565.00% | 773.00% | -16969.00% | 9.03% | 0.32 | -18.60% | 5.58% | 21.00% | 11.52% | -14.13 | -54.89 | -2.64 | -5.63 |
| SHBI | Shore Bancshares, Inc. | $16.20 | 541.43M | +187% | +142% | -15% | +254% | 10.36 | 0.84 | 1.39 | -0.25 | 4.83 | 1.05 | 60.33% | 17.98% | 13.44% | 8.34% | 48.52% | 0.72% | 0.25 | 0.47 | 0.11 | 0.11 | -4.34 | 21429.00% | 3694.00% | 14860.00% | 9.16% | 0.01 | 46.06% | 3.52% | 36.50% | 11.67% | -0.32 | -0.45 | -0.06 | -0.77 |
| TCBX | Third Coast Bancshares, I… | $37.51 | 520.61M | -24% | +87% | +19% | +184% | 9.59 | 0.99 | 1.35 | -2.51 | 23.74 | 1.03 | 48.74% | 18.15% | 14.10% | 10.93% | -114.02% | 1.02% | 0.29 | 0.37 | 0.18 | 0.18 | -3.62 | 4040.00% | 2335.00% | -636.00% | 7.30% | 0.01 | -79.82% | 1.04% | 10.00% | 19.36% | -2.70 | -4.97 | -0.49 | -0.66 |
About HarborOne Bancorp, Inc.
HarborOne Bancorp, Inc. operates as the holding company for HarborOne Bank that provides financial services to individuals, families, small and mid-size businesses, and municipalities. The company operates in two segments, HarborOne Bank and HarborOne Mortgage. Its primary deposit products include checking, money market, savings, and term certificate of deposit accounts; and lending products comprise commercial real estate, commercial, residential mortgages, and consumer loans, including indirect automobile lease loans. The company also originates, sells, and services residential mortgage loans. In addition, it provides a range of educational services, such as classes on small business, financial literacy, and personal enrichment. As of December 31, 2021, the company operated through a network of 30 full-service branches located in Massachusetts and Rhode Island, as well as commercial lending offices in each of Boston, Massachusetts, and Providence, Rhode Island. It also had administrative offices in Brockton, Massachusetts, as well as 5 ATM locations in Massachusetts. The company was founded in 1917 and is based in Brockton, Massachusetts.
- CEO
- Joseph F. Casey
- Employees
- 516
- Beta
- 0.70
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($11.56 ÷ —) − 1 = — (DCF, example).