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Upturn AI SWOT - About
HONE 
HarborOne Bancorp Inc (HONE)
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Upturn Advisory Summary
09/16/2025: 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 13.87% | Avg. Invested days 47 | 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 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 560.63M USD | Price to earnings Ratio 19.98 | 1Y Target Price 13.67 |
Price to earnings Ratio 19.98 | 1Y Target Price 13.67 | ||
Volume (30-day avg) 4 | Beta 0.64 | 52 Weeks Range 8.76 - 13.31 | Updated Date 09/16/2025 |
52 Weeks Range 8.76 - 13.31 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 2.61% | 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 19.98 | Forward PE 14.35 | Enterprise Value 785453824 | Price to Sales(TTM) 3.4 |
Enterprise Value 785453824 | Price to Sales(TTM) 3.4 | ||
Enterprise Value to Revenue 5.9 | Enterprise Value to EBITDA - | Shares Outstanding 43158600 | Shares Floating 32750660 |
Shares Outstanding 43158600 | Shares Floating 32750660 | ||
Percent Insiders 13.04 | Percent Institutions 62.4 |
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 1982 and a stock savings bank in 2016, becoming HarborOne Bancorp, Inc.
Core Business Areas
- Commercial Banking: Provides commercial loans, deposit accounts, and treasury management services to businesses.
- Retail Banking: Offers consumer loans (mortgages, HELOCs, auto loans), deposit accounts (checking, savings), and wealth management services to individuals and families.
- Residential Lending: Focuses on mortgage originations and sales.
Leadership and Structure
The current CEO is Joseph Casey. The company operates with a traditional bank structure, including executive management, lending departments, retail branches, and support functions like finance and marketing.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data unavailable. Competitors include larger regional and national banks like Bank of America and Eastern Bank.
- Residential Mortgages: Loans for purchasing or refinancing homes. Market share data unavailable. Competitors include mortgage companies like Rocket Mortgage and local banks.
- Deposit Accounts: Checking, savings, and money market accounts. Market share data unavailable. Competitors include Citizens Bank and Santander.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, rising interest rates, and evolving regulatory requirements. Fintech companies are also disrupting traditional banking models.
Positioning
HarborOne is a regional bank focused on community banking and commercial lending within Massachusetts and Rhode Island. It benefits from strong local relationships and a focus on customer service.
Total Addressable Market (TAM)
The total addressable market for banking services in Massachusetts and Rhode Island is estimated to be in the billions of dollars annually. HarborOne is positioned to capture a portion of this TAM through its local presence and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer-focused approach
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger banks
- Reliance on traditional banking products
- Lower brand recognition compared to national banks
Opportunities
- Expansion into new markets within New England
- Growth in commercial lending
- Adoption of digital banking technologies
- Partnerships with fintech companies
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Eastern Bank (Unknown Symbol)
- Rockland Trust (Unknown Symbol)
- Bank of America (BAC)
Competitive Landscape
HarborOne faces significant competition from larger national and regional banks with greater resources and broader product offerings. Its competitive advantage lies in its local focus, customer service, and strong community relationships.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends unavailable without specific financial data.
Future Projections: Future growth projections are unavailable without analyst estimates and financial data.
Recent Initiatives: Recent initiatives include expansion of digital banking services and investment in commercial lending.
Summary
HarborOne is a regional bank with a strong local presence and customer focus. While it faces competition from larger banks and fintech companies, its community banking approach provides a competitive advantage. The company needs to focus on expanding its digital offerings and commercial lending to drive future growth. Monitoring interest rate changes and economic conditions will be crucial for success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Public Filings
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated and may not be precise.
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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