HarborOne Bancorp, Inc., founded in 1917, operates as the holding company for HarborOne Bank, offering a range of financial services. The company (HONE) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
HarborOne Bancorp, Inc., founded in 1917, operates as the holding company for HarborOne Bank, offering a range of financial services. The company (HONE) trades at $12.10 with AI Score 50/100 (Grade B). HarborOne Bancorp, Inc.
Price as of Aug 21, 2026 · Last analyzed: May 9, 2026Analyst Coverage for HONE: HONE does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates HONE against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
HONE: the 3 scored disciplines are evenly split. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
HarborOne Bancorp, Inc., founded in 1917, operates as the holding company for HarborOne Bank, offering a range of financial services. The company (HONE) Financial Services Profile
HarborOne Bancorp, Inc., operating as HarborOne Bank, delivers comprehensive financial solutions to individuals, families, and businesses across Massachusetts and Rhode Island. With a focus on community banking, the company offers diverse deposit and lending products, complemented by educational services, distinguishing itself through localized expertise and a commitment to financial literacy.
What Is the Investment Thesis for HONE?
HarborOne Bancorp, Inc. presents a compelling investment case anchored in its strong regional presence and diversified financial service offerings. With a market capitalization of $522M and a P/E ratio of 21.6, the company exhibits stable financial metrics. A key value driver is its focus on commercial real estate and commercial lending, which could benefit from regional economic growth. The company's ongoing investment in technology and digital banking solutions may enhance customer experience and operational efficiency. However, investors should monitor the impact of interest rate fluctuations and regulatory changes on HarborOne's profitability and growth prospects. The dividend yield of 1.49% provides a modest income stream, while the beta of 0.70 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
HONE Key Highlights
Market capitalization of $522M, reflecting its position as a regional bank.
- P/E ratio of 21.6, indicating its valuation relative to earnings.
- Profit margin of 9.8%, showcasing its ability to generate profits from revenue.
- Gross margin of 54.3%, highlighting the efficiency of its operations.
- Dividend yield of 1.49%, providing a return to shareholders.
Who Are HONE's Competitors?
HONE is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| SNV Synovus Financial Corp. | $50.05 | -2.49% | $6.95B | 52 |
| CASH Pathward Financial, Inc. | $83.49 | -0.26% | $1.76B | 91 |
| WSFS WSFS Financial Corporation | $79.90 | +0.11% | $4.16B | 91 |
| BWFG Bankwell Financial Group, Inc. | $66.06 | +0.64% | $527M | 93 |
| OBT Orange County Bancorp, Inc. | $37.69 | -0.15% | $505M | 92 |
| HBCP Home Bancorp, Inc. | $69.43 | -0.06% | $546M | 94 |
| PDLB Ponce Financial Group, Inc. | $20.31 | +0.94% | $491M | 92 |
| NRIM Northrim BanCorp, Inc. | $25.72 | -0.07% | $572M | 95 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are HONE's Key Strengths?
Strong regional presence in Massachusetts and Rhode Island.
- Diversified portfolio of banking products and services.
- Commitment to community development and financial literacy.
- Experienced management team.
What Are HONE's Weaknesses?
Limited geographic reach compared to larger national banks.
- Reliance on traditional banking model.
- Sensitivity to interest rate fluctuations.
- Higher P/E ratio compared to competitors.
What Could Drive HONE Stock Higher?
Potential interest rate hikes by the Federal Reserve could increase net interest margin.
- Continued expansion of digital banking services to attract and retain customers.
- Strategic partnerships with local businesses to drive commercial lending growth.
- Community development initiatives enhancing brand reputation and customer loyalty.
What Are the Key Risks for HONE?
Financial-distress signal — its Altman Z-Score of -0.63 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in Massachusetts and Rhode Island could negatively impact loan portfolio quality.
- Increased competition from larger national banks and fintech companies.
- Regulatory changes and compliance costs could reduce profitability.
- Cybersecurity risks and data breaches could damage reputation and customer trust.
What Are the Growth Opportunities for HONE?
- Expansion of Digital Banking Services: HarborOne can capitalize on the increasing demand for digital banking solutions by enhancing its online and mobile platforms. By offering a seamless digital experience, the company can attract and retain tech-savvy customers, expand its geographic reach, and reduce operational costs. The market for digital banking is projected to grow significantly, presenting a substantial opportunity for HarborOne to increase its market share and improve customer satisfaction. Timeline: Ongoing.
- Strategic Branch Expansion: While digital banking is growing, physical branches remain important for certain customer segments and complex transactions. HarborOne can strategically expand its branch network in underserved areas within Massachusetts and Rhode Island to increase its deposit base and lending opportunities. A targeted expansion strategy can enhance the company's local presence and brand recognition, driving long-term growth. Timeline: 2-3 years.
- Increased Commercial Lending: HarborOne can focus on expanding its commercial lending portfolio by targeting small and mid-size businesses in its existing markets. By offering tailored financing solutions and personalized service, the company can build strong relationships with local businesses and capitalize on economic growth in the region. The market for commercial lending is substantial, providing a significant opportunity for HarborOne to increase its loan volume and revenue. Timeline: Ongoing.
- Mortgage Loan Origination: HarborOne Mortgage can increase its market share by focusing on mortgage loan origination for first-time homebuyers and existing homeowners. By offering competitive rates and flexible loan products, the company can attract a larger pool of borrowers and generate higher fee income. The mortgage market is cyclical, but demand for homeownership remains strong, presenting a long-term growth opportunity for HarborOne. Timeline: Ongoing.
- Financial Literacy Programs: HarborOne can leverage its existing educational services by expanding its financial literacy programs to reach a wider audience. By offering classes on small business, financial literacy, and personal enrichment, the company can enhance its brand reputation, attract new customers, and promote financial well-being in the community. These programs can also drive customer loyalty and cross-selling opportunities. Timeline: Ongoing.
What Are HONE's Competitive Advantages?
- Strong regional presence in Massachusetts and Rhode Island.
- Established brand reputation and customer loyalty.
- Diversified portfolio of banking products and services.
- Commitment to community development and financial literacy.
What Does HONE Do?
Founded in 1917 and headquartered in Brockton, Massachusetts, HarborOne Bancorp, Inc. serves as the holding company for HarborOne Bank, a regional financial institution providing a comprehensive suite of banking products and services. Originally established to serve the local community, HarborOne has evolved into a full-service bank catering to individuals, families, small and mid-size businesses, and municipalities. The bank operates through two segments: HarborOne Bank and HarborOne Mortgage. HarborOne Bank offers a variety of deposit products, including checking, money market, savings, and term certificate of deposit accounts. Its lending products encompass commercial real estate, commercial, residential mortgages, and consumer loans, including indirect automobile lease loans. HarborOne Mortgage focuses on originating, selling, and servicing residential mortgage loans. As of December 31, 2021, HarborOne operated 30 full-service branches located in Massachusetts and Rhode Island, along with commercial lending offices in Boston and Providence. The company also provides educational services, such as classes on small business, financial literacy, and personal enrichment, demonstrating its commitment to community development and financial well-being.
What Products and Services Does HONE Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers commercial real estate loans to developers and investors.
- Originates residential mortgages for homebuyers.
- Provides commercial loans to small and mid-sized businesses.
- Offers consumer loans, including indirect automobile lease loans.
- Provides financial education services to the community.
- Sells and services residential mortgage loans.
How Does HONE Make Money?
- Generates revenue from interest income on loans.
- Earns fees from mortgage loan origination and servicing.
- Collects service charges on deposit accounts.
- Invests in securities to generate additional income.
What Industry Does HONE Operate In?
HarborOne Bancorp operates within the regional banking sector, characterized by intense competition and evolving customer expectations. The industry is undergoing digital transformation, with banks investing in technology to enhance online and mobile banking services. Regulatory compliance and interest rate sensitivity are significant factors influencing profitability. As a regional player, HarborOne competes with larger national banks and smaller community banks, differentiating itself through personalized service and local market expertise. The regional banking sector is expected to grow modestly, driven by economic expansion and increasing demand for loans and financial services.
Who Are HONE's Key Customers?
- Individuals and families seeking personal banking services.
- Small and mid-size businesses requiring commercial loans and deposit accounts.
- Real estate developers and investors seeking commercial real estate financing.
- Municipalities needing banking services.
- Homebuyers looking for residential mortgages.
Forward Outlook
Wall Street analysts project HarborOne Bancorp, Inc., founded in 1917, operates as the holding company for HarborOne Bank, offering a range of financial services. The company revenue of about $200.1M for fiscal 2026, with EPS near $0.91.
Earnings Track Record
HarborOne Bancorp, Inc., founded in 1917, operates as the holding company for HarborOne Bank, offering a range of financial services. The company has beaten Wall Street's EPS estimate in 5 of its last 8 reported quarters — more hits than misses. Reported results have landed about 1.9% above estimates on average.
Financial Health
HarborOne Bancorp, Inc., founded in 1917, operates as the holding company for HarborOne Bank, offering a range of financial services. The company's Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.63 places it in the distress zone, a signal of elevated financial risk.
Key Financial Metrics
Return on equity for HarborOne Bancorp, Inc., founded in 1917, operates as the holding company for HarborOne Bank, offering a range of financial services. The company stands at 3.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.4%, showing how much profit it generates from its asset base. HONE trades at a trailing price-to-earnings ratio of 21.64, above the Financial Services sector average of ~18x. Its free cash flow yield is 4.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.10 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 4.6%, the inverse of the P/E and a quick read on earnings relative to price.
HarborOne Bancorp, Inc., founded in 1917, operates as the holding company for HarborOne Bank, offering a range of financial services. The company (HONE) Valuation Context
Valued at $522M, HONE is classified as a small-cap stock. Relative to its peer group, HONE's quantitative score of 50/100 is below the peer average of 84/100.
HONE Revenue & Earnings Trend
In Q2 2025, HONE generated $76.7M in top-line revenue, marking a sequential increase of 5.0%. The company recorded net income of $8.1M, with diluted EPS of $0.20. Quarter-over-quarter revenue has been mixed, typical for a small-cap company operating in Financial Services. Across the four most recent quarters, HONE averaged $0.16 in diluted EPS.
Company Profile
HarborOne Bancorp, Inc., founded in 1917, operates as the holding company for HarborOne Bank, offering a range of financial services. The company operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Brockton, US. The company is led by CEO Joseph F. Casey. HONE has traded publicly since 2016.
HONE Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- HONE's long-standing history since 1917 suggests stability, a factor that might attract investors seeking reliable financial institutions.
- Recent insider activity, if showing buying trends, could signal confidence from those with the deepest understanding of the company.
- Positive community sentiment within the last 30 days may indicate growing investor interest and positive word-of-mouth.
- Market perception may view HONE as a safe haven during economic uncertainty, increasing its appeal.
Bear Case
- Unfavorable insider activity (e.g., selling) could raise concerns about the company's future prospects.
- Negative community sentiment in the last 30 days might reflect underlying issues or dissatisfaction among investors.
- Broader market trends or economic downturns could negatively impact regional banks like HONE, regardless of its fundamentals.
- If market perception views HONE as slow to adapt to modern banking trends, it may struggle to attract younger, tech-savvy customers.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2025 | $77M | $8M | $0.20 |
| Q1 2025 | $73M | $6M | $0.14 |
| Q4 2024 | $80M | $9M | $0.22 |
| Q3 2024 | $78M | $4M | $0.09 |
Based on FMP financials and quantitative analysis
HONE Latest News
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Investor's Business Daily · Jul 14, 2026
HONE Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for HONE.
Price Targets
Wall Street price target analysis for HONE.
HONE MoonshotScore
What does this score mean?
The MoonshotScore rates HONE 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Joseph F. Casey
CEO
Joseph F. Casey serves as the CEO of HarborOne Bancorp, Inc. His career spans several decades in the financial services industry, with a focus on community banking and regional development. He has held various leadership positions within HarborOne, contributing to the bank's growth and strategic direction. Casey is actively involved in community initiatives and serves on the boards of several local organizations. His expertise lies in strategic planning, risk management, and customer relationship management.
Track Record: Under Joseph F. Casey's leadership, HarborOne Bancorp has expanded its branch network, enhanced its digital banking capabilities, and increased its commercial lending portfolio. He has overseen the successful integration of new technologies and the implementation of risk management frameworks. Casey has also played a key role in promoting financial literacy and community development initiatives, strengthening the bank's reputation and customer loyalty.
HONE Financial Services Stock FAQ
What does the AI Score mean for HONE?
HONE holds an AI Score of 50/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. HarborOne Bancorp, Inc. is the holding company for HarborOne Bank, providing financial services to individuals, families, and businesses. Operating primarily in Massachusetts and Rhode Island, …
What does HarborOne Bancorp, Inc. do?
HarborOne Bancorp, Inc., through its subsidiary HarborOne Bank, provides a range of financial services to individuals, families, small to mid-size businesses, and municipalities. The bank offers deposit products like checking and savings accounts, and lending products including commercial real estate, commercial, residential mortgages, and consumer loans. Additionally, HarborOne Mortgage originates, sells, and services residential mortgage loans.
What do analysts say about HONE stock?
Analyst coverage of HarborOne Bancorp, Inc. (HONE) typically focuses on its regional banking performance, asset quality, and growth prospects. Key valuation metrics such as the P/E ratio and dividend yield are closely monitored. Analysts consider the company's ability to manage interest rate risk, expand its loan portfolio, and maintain profitability in a competitive environment.
What are the main risks for HONE?
HarborOne Bancorp, Inc. faces several risks inherent to the banking industry. Credit risk, stemming from potential loan defaults, is a primary concern, particularly in the commercial real estate and commercial lending sectors. Interest rate risk can impact profitability if the bank's assets and liabilities are not effectively matched. Regulatory compliance costs and changes in banking regulations can also pose challenges.
What are the key factors to evaluate for HONE?
HarborOne Bancorp, Inc., founded in 1917, operates as the holding company for HarborOne Bank, offering a range of financial services. The company (HONE) holds an AI score of 50/100 (moderate). P/E: 21.6x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does HONE data refresh on this page?
HONE's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven HONE's recent stock price performance?
HarborOne Bancorp, Inc., founded in 1917, operates as the holding company for HarborOne Bank, offering a range of financial services. The company (HONE) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in Massachusetts and Rhode Island. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider HONE overvalued or undervalued right now?
HarborOne Bancorp, Inc., founded in 1917, operates as the holding company for HarborOne Bank, offering a range of financial services. The company (HONE) trades at 21.6x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research HONE before investing?
Before investing in HarborOne Bancorp, Inc., founded in 1917, operates as the holding company for HarborOne Bank, offering a range of financial services. The company (HONE), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2021-12-31.
- Market data is current as of 2026-05-09.
- Financial metrics are based on historical data and may not be indicative of future performance.