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Upturn AI SWOT - About
HONE 
HarborOne Bancorp Inc (HONE)
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Upturn Advisory Summary
08/28/2025: 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 $13.67
1 Year Target Price $13.67
| 1 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 11.05% | Avg. Invested days 45 | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 552.00M USD | Price to earnings Ratio 19.68 | 1Y Target Price 13.67 |
Price to earnings Ratio 19.68 | 1Y Target Price 13.67 | ||
Volume (30-day avg) 4 | Beta 0.61 | 52 Weeks Range 8.82 - 13.41 | Updated Date 08/29/2025 |
52 Weeks Range 8.82 - 13.41 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 2.64% | Basic EPS (TTM) 0.65 |
Earnings Date
Report Date - | When - | Estimate - | 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 19.68 | Forward PE 15.8 | Enterprise Value 777334912 | Price to Sales(TTM) 3.35 |
Enterprise Value 777334912 | Price to Sales(TTM) 3.35 | ||
Enterprise Value to Revenue 5.83 | Enterprise Value to EBITDA - | Shares Outstanding 43158600 | Shares Floating 32750660 |
Shares Outstanding 43158600 | Shares Floating 32750660 | ||
Percent Insiders 13.04 | Percent Institutions 62.42 |
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 mutual savings bank in 1934, became HarborOne Bank, and then HarborOne Bancorp in 2016 through a mutual-to-stock conversion. The company has grown through organic expansion and strategic acquisitions, focusing on community banking and financial services.
Core Business Areas
- Commercial Lending: Provides commercial real estate loans, commercial and industrial loans, and other business financing solutions.
- Retail Banking: Offers deposit accounts, residential mortgages, consumer loans, and other retail banking services.
- Wealth Management: Provides wealth management and investment advisory services to individuals and businesses.
Leadership and Structure
The leadership team includes Joseph F. Casey (President and CEO). The organizational structure is typical of a community bank, with various departments overseeing lending, retail banking, operations, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data is fragmented across the regional banking sector. Competitors include larger national and regional banks such as Bank of America (BAC), Citizens Financial Group (CFG) and other community banks.
- Residential Mortgages: Offers mortgage loans for home purchases and refinancing. Market share data is fragmented. Competitors include large national mortgage lenders and other community banks.
- Deposit Accounts: Offers checking accounts, savings accounts and CDs to retail customers. Market share data is fragmented. Competitors include other community and national banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. However, community banks like HarborOne Bancorp benefit from strong local relationships and personalized service.
Positioning
HarborOne Bancorp Inc. positions itself as a community-focused bank offering personalized service and a wide range of financial products. Its competitive advantages include its strong local presence, experienced staff, and commitment to community involvement.
Total Addressable Market (TAM)
The TAM for banking services in Massachusetts is estimated at several billion dollars. HarborOne is positioned to capture a portion of this market through its focus on community banking and relationship building. However its TAM is limited to the areas where the bank operates.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Commitment to community
- Diversified product offerings
- Healthy capital ratios
Weaknesses
- Limited geographic reach
- Reliance on traditional banking model
- Lower brand awareness compared to larger banks
- Slower digital adoption compared to larger banks
Opportunities
- Expansion into new markets
- Increased digital adoption
- Strategic acquisitions
- Growth in wealth management business
- Capitalize on local market knowledge.
Threats
- Rising interest rates
- Increased regulatory burden
- Competition from larger banks
- Economic downturn
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BAC
- CFG
- MTB
- TCBI
Competitive Landscape
HarborOne faces intense competition from larger national and regional banks. Its advantages include strong local relationships and personalized service, while its disadvantages include limited geographic reach and lower brand awareness.
Major Acquisitions
Coastway Bancorp, Inc.
- Year: 2021
- Acquisition Price (USD millions): 63.7
- Strategic Rationale: Expanded HarborOne's footprint in Rhode Island and increased its deposit base.
Growth Trajectory and Initiatives
Historical Growth: HarborOne Bancorp has grown steadily through organic expansion and strategic acquisitions.
Future Projections: Future growth is expected to be driven by continued expansion in existing markets, increased digital adoption, and growth in wealth management.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion of commercial lending services, and community outreach programs.
Summary
HarborOne Bancorp is a stable community bank with a strong local presence. It benefits from a diversified product offering and a healthy capital position. However, its growth is limited by its geographic reach and competition from larger banks. Continued investments in digital banking and strategic acquisitions could drive future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Analysis Reports
- Company Press Releases
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Accuracy is not guaranteed. Consult with a qualified financial advisor before making investment decisions.
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.
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