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Upturn AI SWOT - About
HONE 
HarborOne Bancorp Inc (HONE)
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Upturn Advisory Summary
10/29/2025: HONE (1-star) is a SELL. SELL since 1 days. Simulated Profits (8.19%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $14
1 Year Target Price $14
| 1 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 7.32% | Avg. Invested days 52 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/29/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 548.98M USD | Price to earnings Ratio 19.57 | 1Y Target Price 14 |
Price to earnings Ratio 19.57 | 1Y Target Price 14 | ||
Volume (30-day avg) 4 | Beta 0.62 | 52 Weeks Range 8.76 - 14.29 | Updated Date 10/29/2025 |
52 Weeks Range 8.76 - 14.29 | Updated Date 10/29/2025 | ||
Dividends yield (FY) 2.61% | Basic EPS (TTM) 0.65 |
Earnings Date
Report Date 2025-10-30 | When After Market | Estimate 0.19 | Actual - |
Profitability
Profit Margin 16% | Operating Margin (TTM) 29.63% |
Management Effectiveness
Return on Assets (TTM) 0.46% | Return on Equity (TTM) 4.56% |
Valuation
Trailing PE 19.57 | Forward PE 14.99 | Enterprise Value 774493312 | Price to Sales(TTM) 3.33 |
Enterprise Value 774493312 | Price to Sales(TTM) 3.33 | ||
Enterprise Value to Revenue 6.05 | Enterprise Value to EBITDA - | Shares Outstanding 43158596 | Shares Floating 32750660 |
Shares Outstanding 43158596 | Shares Floating 32750660 | ||
Percent Insiders 13.04 | Percent Institutions 62.01 |
Upturn AI SWOT
HarborOne Bancorp Inc
Company Overview
History and Background
HarborOne Bancorp, Inc. was founded in 1917 as Brockton Credit Union. It converted to a savings bank and then a stock holding company. It operates primarily in southeastern Massachusetts.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending and deposit services to businesses, including commercial real estate loans, business loans, and treasury management services.
- Retail Banking: Offers traditional retail banking services such as checking and savings accounts, mortgages, and consumer loans to individuals and families.
- Wealth Management: Provides wealth management and trust services to individuals, families, and businesses.
Leadership and Structure
James W. Blake is the CEO. The company has a typical corporate structure with a board of directors and executive management overseeing various departments.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties. Competitors include larger regional and national banks. Market share data is not easily available.
- Residential Mortgages: Offers mortgage products to homebuyers. Competitors include national mortgage lenders and other regional banks. Market share data is not easily available.
- Small Business Loans: Provides loans to small businesses. Competitors include online lenders and other community banks. Market share data is not easily available.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, inflation, and increased regulatory scrutiny. Competition is high, and technological advancements are reshaping the landscape.
Positioning
HarborOne Bancorp is a community-focused bank operating primarily in southeastern Massachusetts. Its competitive advantages include local market knowledge and personalized customer service.
Total Addressable Market (TAM)
The TAM for banking services in southeastern Massachusetts is estimated to be in the billions of dollars. HarborOne Bancorp is positioned to capture a portion of this market through its community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer-focused approach
- Experienced management team
- Diversified loan portfolio
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger competitors
- Dependence on traditional banking services
- Potential technology adoption lags
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Strategic acquisitions
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- WSBC
- FULT
- MTB
Competitive Landscape
HarborOne faces competition from larger regional and national banks, as well as smaller community banks and credit unions. Its advantages lie in its local market knowledge and customer relationships. Its disadvantages include its smaller size and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends data are unavailable without specific financial reports.
Future Projections: Analyst estimates for future growth are unavailable without consulting financial analysts' reports.
Recent Initiatives: Recent strategic initiatives data are unavailable without consulting financial reports or company statements.
Summary
HarborOne Bancorp is a community bank with a strong local presence but limited geographic reach. It benefits from customer relationships, but faces competition from larger banks and Fintech companies. The company must strategically adapt to changes in technology and regulation to grow in the long-term.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source. Financial performance data is unavailable and needs to be acquired from the company's financial reports
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About HarborOne Bancorp Inc
Exchange NASDAQ | Headquaters Brockton, MA, United States | ||
IPO Launch date 2016-06-30 | President, CEO & Director Mr. Joseph F. Casey | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 488 | Website https://www.harboronebancorp.com |
Full time employees 488 | Website https://www.harboronebancorp.com | ||
HarborOne Bancorp, Inc. provides financial services to individuals, families, small and mid-size businesses, and municipalities. The company operates in two segments, HarborOne Bank and HarborOne Mortgage. It offers deposit products that include checking, NOW, money market, savings, and sweep accounts, and term certificate of deposit accounts; and lending products comprise commercial real estate, commercial and Industrial, commercial construction, residential mortgages, home equity, and auto loans and personal lines of credit. The company also provides various educational services, such as free digital content, webinars, and recordings for small business and personal financial education under the HarborOne U name. The company operates through service branches and commercial lending offices in each of Boston, Massachusetts and Providence, and Rhode Island, as well as administrative office in Brockton and ATM locations in Massachusetts. HarborOne Bancorp, Inc. was founded in 1917 and is headquartered in Brockton, Massachusetts. As of October 28, 2025, HarborOne Bancorp, Inc. operates as a subsidiary of Eastern Bankshares, Inc.
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