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HarborOne Bancorp, Inc.(HONE)Earnings, Financials & Key Ratios
HONE•NASDAQ•Banking & Credit
$12.10
18.3× P/E·Price updated Jul 7, 2026
AboutHarborOne Bancorp, Inc. operates as the holding company for HarborOne Bank that provides financial services to individuals, families, small and mid-size businesses, and municipalities. The company operates in two segments, HarborOne Bank and HarborOne Mortgage. Its primary deposit products include checking, money market, savings, and term certificate of deposit accounts; and lending products comprise commercial real estate, commercial, residential mortgages, and consumer loans, including indirect automobile lease loans. The company also originates, sells, and services residential mortgage loans. In addition, it provides a range of educational services, such as classes on small business, financial literacy, and personal enrichment. As of December 31, 2021, the company operated through a network of 30 full-service branches located in Massachusetts and Rhode Island, as well as commercial lending offices in each of Boston, Massachusetts, and Providence, Rhode Island. It also had administrative offices in Brockton, Massachusetts, as well as 5 ATM locations in Massachusetts. The company was founded in 1917 and is based in Brockton, Massachusetts.Show more
- Net Interest Income$126M-1.3%
- Total Revenue$314M+10.7%
- Net Income$27M+70.5%
- Return on Equity4.73%+76.6%
- Net Interest Margin2.18%-2.7%
- Efficiency Ratio39.98%-16.4%
- ROA0.48%+64.6%
- Equity / Assets9.99%-3.0%
- Book Value per Share13.87+3.1%
HONE Price & Volume
HarborOne Bancorp, Inc. (HONE) stock price & volume — 10-year historical chart
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Stagnant Margin Profile Masks Asset Concentration Risks
Investment Thesis • Updated 2025Q2
VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Mortgage and auto credit volatility
Key Thesis Takeaways
- HarborOne Bancorp faces a challenging environment characterized by persistent net interest margin compression at 0.6% and a heavy reliance on a $5.0 billion investment securities portfolio.
- While management has demonstrated operational discipline by improving the efficiency ratio to 42.9% in 2025Q2, the bank's earnings remain highly sensitive to volatile mortgage revenue and credit provisioning, which spiked to $5.9 million in 2024Q3.
- Investors should monitor the bank's ability to navigate interest rate cycles, as the current 18.33 TTM P/E ratio may not fully account for the risks inherent in its specialized lending segments.
Verdict Logic
while the bank maintains a stable equity-to-assets ratio of 0.10, the persistent 0.6% net interest margin and volatile credit provisioning suggest limited near-term upside.
HONE Growth Metrics
HarborOne Bancorp, Inc. (HONE) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years15.47%
5 Years8.57%
3 Years9.79%
TTM-
Profit CAGR
10 Years26.7%
5 Years8.45%
3 Years-22.34%
TTM65.87%
EPS CAGR
10 Years30.92%
5 Years14.87%
3 Years-16.65%
TTM72.34%
Return on Capital
10 Years4.03%
5 Years5.78%
3 Years4.61%
Last Year3.5%
HONE Recent Earnings
HarborOne Bancorp, Inc. (HONE) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 9/12 qtrs (75%)
Q3 2025Latest
Jul 24, 2025Metric
Actual
Est
EPS
$0.23+21.1%
$0.19
Rev
$44M+32.1%
$34M
Q2 2025
Apr 24, 2025Metric
Actual
Est
EPS
$0.14-17.6%
$0.17
Rev
$40M+11.3%
$36M
Q1 2025
Jan 30, 2025Metric
Actual
Est
EPS
$0.20+17.6%
$0.17
Rev
$44M+33.6%
$33M
Q4 2024
Oct 24, 2024Metric
Actual
Est
EPS
$0.10-47.4%
$0.19
Rev
$41M+26.0%
$33M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q3 2025Latest | Jul 24, 2025 | $0.23vs $0.19+21.1% | $44Mvs $34M+32.1% |
| Q2 2025 | Apr 24, 2025 | $0.14vs $0.17-17.6% | $40Mvs $36M+11.3% |
| Q1 2025 | Jan 30, 2025 | $0.20vs $0.17+17.6% | $44Mvs $33M+33.6% |
| Q4 2024 | Oct 24, 2024 | $0.10vs $0.19-47.4% | $41Mvs $33M+26.0% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for HarborOne Bancorp, Inc. (HONE)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $12.10 | $522.22M | 18.33 | 10.7% | 8.74% | 4.73% | 2.61% | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — | |
| $26.72 | $814.84M | -6.35 | -10.35% | -18.65% | -10.01% | — | |
| $84.40 | $4.07B | 18.97 | 19.82% | 19.81% | 7.01% | — | |
| $65.04 | $2.38B | 12.25 | 12.03% | 21.03% | 10.08% | — | |
| $18.96 | $1.09B | 16.21 | -4.7% | 10.55% | 4.22% | — |
Compare HONE vs Peers
HarborOne Bancorp, Inc. (HONE) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
HONE SEC Filings & Documents
HarborOne Bancorp, Inc. (HONE) SEC filings — annual & quarterly reports (10-K, 10-Q)
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HONE Frequently Asked Questions
HarborOne Bancorp, Inc. (HONE) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is HarborOne Bancorp, Inc. growing?
HarborOne Bancorp, Inc. (HONE) grew revenue by 10.7% over the past year. This is steady growth.
Is HONE profitable?
Yes, HarborOne Bancorp, Inc. (HONE) is profitable, generating $26.4M in net income for fiscal year 2024 (8.7% net margin).
Dividend & Returns
Does HONE pay dividends?
Yes, HarborOne Bancorp, Inc. (HONE) pays a dividend with a yield of 2.61%. This makes it attractive for income-focused investors.
What is HONE's return on equity?
HarborOne Bancorp, Inc. (HONE) has a return on equity (ROE) of 4.7%. This is below average, suggesting room for improvement.
Industry Metrics
What is HarborOne Bancorp, Inc.'s net interest margin?
HarborOne Bancorp, Inc. (HONE) has a net interest margin (NIM) of 2.2%. NIM has been under pressure due to interest rate environment.
What is HarborOne Bancorp, Inc.'s efficiency ratio?
HarborOne Bancorp, Inc. (HONE) has an efficiency ratio of 40.0%. This is excellent, indicating strong cost control.