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Upturn AI SWOT - About
HONE 
HarborOne Bancorp Inc (HONE)
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Upturn Advisory Summary
07/11/2025: HONE (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $13.33
1 Year Target Price $13.33
| 1 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 5.06% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 521.21M USD | Price to earnings Ratio 19.21 | 1Y Target Price 13.33 |
Price to earnings Ratio 19.21 | 1Y Target Price 13.33 | ||
Volume (30-day avg) 4 | Beta 0.61 | 52 Weeks Range 8.82 - 13.59 | Updated Date 07/13/2025 |
52 Weeks Range 8.82 - 13.59 | Updated Date 07/13/2025 | ||
Dividends yield (FY) 3.08% | Basic EPS (TTM) 0.63 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 15.73% | Operating Margin (TTM) 20.46% |
Management Effectiveness
Return on Assets (TTM) 0.44% | Return on Equity (TTM) 4.44% |
Valuation
Trailing PE 19.21 | Forward PE 17.27 | Enterprise Value 663202112 | Price to Sales(TTM) 3.2 |
Enterprise Value 663202112 | Price to Sales(TTM) 3.2 | ||
Enterprise Value to Revenue 5.49 | Enterprise Value to EBITDA - | Shares Outstanding 43075300 | Shares Floating 34851522 |
Shares Outstanding 43075300 | Shares Floating 34851522 | ||
Percent Insiders 13.06 | Percent Institutions 59.6 |
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 in 1993 and became HarborOne Bank. In 2016, the company reorganized into a mutual holding company structure, leading to its initial public offering (IPO) and becoming HarborOne Bancorp, Inc.
Core Business Areas
- Commercial Banking: Provides commercial loans, lines of credit, commercial real estate financing, and treasury management services to businesses of various sizes.
- Retail Banking: Offers deposit accounts (checking, savings, money market), residential mortgages, consumer loans, and financial advisory services to individuals and families.
- Insurance Services: HarborOne Insurance Agency, LLC, provides insurance products and services to both individuals and businesses
Leadership and Structure
The company is led by a Board of Directors and a senior management team. James W. Blake is the current CEO. The organizational structure includes departments for commercial banking, retail banking, finance, risk management, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offerings provide funding for the acquisition, construction, or refinancing of commercial properties. Market share data is difficult to obtain, but HarborOne operates in a competitive market with regional and national banks. Competitors include Bank of America, Santander, and Eastern Bank.
- Residential Mortgages: Offers a variety of mortgage products including fixed-rate, adjustable-rate, and government-backed loans. They compete with national lenders like Rocket Mortgage, local banks, and credit unions. Market share fluctuates.
- Deposit Accounts: Includes checking, savings, and money market accounts. Market share is regional, and competition includes larger banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive. Factors influencing the industry include interest rate changes, economic conditions, regulatory requirements, and technological advancements.
Positioning
HarborOne is positioned as a community-focused bank with a strong presence in Massachusetts and Rhode Island. Its competitive advantages include its local expertise, personalized customer service, and community involvement.
Total Addressable Market (TAM)
The TAM for banking services in Massachusetts and Rhode Island is substantial, encompassing individuals, small businesses, and larger corporations. HarborOne is positioned to capture a portion of this TAM through its community focus and diversified product offerings.
Upturn SWOT Analysis
Strengths
- Strong presence in Massachusetts and Rhode Island
- Community-focused approach
- Diversified product offerings
- Experienced management team
- Solid financial performance
Weaknesses
- Limited geographic diversification
- Smaller size compared to larger national banks
- Dependence on local economy
- Higher cost structure compared to larger banks
Opportunities
- Expansion into new markets within the region
- Increased adoption of digital banking technologies
- Acquisition of smaller banks or credit unions
- Growth in commercial lending
- Cross-selling opportunities
Threats
- Increased competition from national banks and online lenders
- Rising interest rates
- Economic downturn
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- Bank of America (BAC)
- Santander (SAN)
- Eastern Bankshares, Inc. (EBC)
Competitive Landscape
HarborOne faces intense competition from larger national banks and regional players. Its advantages include local market knowledge and personalized customer service. Its disadvantages include limited geographic diversification and smaller scale.
Growth Trajectory and Initiatives
Historical Growth: Check the company's investor relations website or financial news sources for growth trends.
Future Projections: Future Projections are based on analyst estimates for the company.
Recent Initiatives: HarborOne has focused on expanding its commercial lending business, investing in digital banking technologies, and strengthening its community relationships.
Summary
HarborOne is a community-focused bank with a strong presence in Massachusetts and Rhode Island. Its strengths include its local expertise and diversified product offerings. It faces challenges from larger competitors and economic uncertainties. Growth will depend on expanding its commercial lending business and adapting to digital banking trends.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Sources
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimates based on publicly available information and may not be precise. Investment decisions should be made after consulting with a qualified financial advisor.
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 516 | Website https://www.harboronebancorp.com |
Full time employees 516 | 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.
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