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    H

    HarborOne Bancorp Inc (HONE)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $12.10
    +0.00 (+0.00%)

    Market Cap: $522.22M

    Last updated: Oct 14, 2026 at 5:00 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    57%(21/37)
    Avg Surprise
    +16.18%
    PeriodReportedEst.SurpriseB/MYoY
    Dec 25
    Reported Jan 28
    		$0.00N/A-100.00%Miss-100.0%
    Sep 25
    Reported Nov 6
    		$0.00N/A-100.00%Miss-100.0%
    Jun 25
    Reported Jul 24
    		$0.23$0.19+21.05%Beat+27.8%
    Mar 25
    Reported Apr 24
    		$0.14$0.17-17.65%Miss-17.6%
    Dec 24
    Reported Jan 30
    		$0.20$0.18+11.11%Beat+122.2%
    Sep 24
    Reported Oct 24
    		$0.10$0.19-47.37%Miss-50.0%
    Jun 24
    Reported Jul 25
    		$0.18$0.17+5.88%Beat+5.9%
    Mar 24
    Reported Apr 25
    		$0.17$0.11+54.55%Beat+6.3%
    Dec 23
    Reported Jan 30
    		$0.09$0.16-43.75%Miss-57.1%
    Sep 23
    Reported Oct 24
    		$0.20$0.16+25.00%Beat-33.3%
    Jun 23
    Reported Jul 25
    		$0.17$0.16+6.25%Beat-19.0%
    Mar 23
    Reported Apr 27
    		$0.16$0.19-15.79%Miss-36.0%
    Dec 22
    Reported Jan 26
    		$0.21$0.28-25.00%Miss-16.0%
    Sep 22
    Reported Oct 26
    		$0.30$0.23+30.43%Beat+20.0%
    Jun 22
    Reported Jul 26
    		$0.21$0.22-4.55%Miss-22.2%
    Mar 22
    Reported Apr 28
    		$0.25$0.17+47.06%Beat-32.4%
    Dec 21
    Reported Jan 27
    		$0.25$0.22+13.64%Beat-28.6%
    Sep 21
    Reported Oct 26
    		$0.25$0.23+8.70%Beat+13.6%
    Jun 21
    Reported Jul 27
    		$0.27$0.34-20.59%Miss+42.1%
    Mar 21
    Reported Apr 27
    		$0.37$0.30+23.33%Beat+236.4%
    Dec 20
    Reported Jan 28
    		$0.35$0.22+59.09%Beat+337.5%
    Sep 20
    Reported Oct 27
    		$0.22$0.17+29.41%Beat+120.0%
    Jun 20
    Reported Jul 23
    		$0.19$0.05+280.00%Beat+137.5%
    Mar 20
    Reported Apr 27
    		$0.11$0.08+37.50%Beat+175.0%
    Dec 19
    Reported Mar 13
    		$0.08$0.10-20.00%Miss+60.0%
    Sep 19
    Reported Oct 18
    		$0.10$0.09+11.11%Beat-9.1%
    Jun 19
    Reported Jul 25
    		$0.08$0.06+33.33%Beat+33.3%
    Mar 19
    Reported Apr 18
    		$0.04$0.06-33.33%Miss+0.0%
    Dec 18
    Reported Jan 25
    		$0.05$0.08-37.50%Miss+25.0%
    Sep 18
    Reported Oct 25
    		$0.11$0.06+83.33%Beat+120.0%
    Jun 18
    Reported Jul 20
    		$0.06$0.05+20.00%Beat+0.0%
    Mar 18
    Reported Apr 19
    		$0.04$0.05-20.00%Miss-20.0%
    Dec 17
    Reported Jan 26
    		$0.04$0.06-33.33%Miss-20.0%
    Sep 17
    Reported Oct 19
    		$0.05$0.06-16.67%Miss-
    Jun 17
    Reported Jul 21
    		$0.06$0.02+200.00%Beat-
    Mar 17
    Reported Apr 20
    		$0.05$0.02+150.00%Beat-
    Dec 16
    Reported Jan 27
    		$0.05$0.06-16.67%Miss-

    Dividends

    Dividend Metrics

    Forward Yield0.00%
    Forward Annual Dividend$0.00
    FrequencyQuarterly

    Growth

    3Y CAGR-6.47%

    Key Metrics

    Valuation
    P/E RatioN/AEV/EBITDAN/A
    Price/FCF10.73xFCF Yield9.32%
    Profitability
    Profit Margin16.00%Operating Margin29.60%
    ROE4.56%ROICN/A
    Financial Health
    Debt/Equity0.76xInterest Coverage0.24x
    Current Ratio0.10xQuick Ratio0.10x
    Trading Statistics
    Beta0.70Avg VolumeN/A
    52-Week High$14.0652-Week Low$12.07

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$12.10
    SMA 20$12.10
    SMA 50$12.10
    SMA 200$12.23
    EMA 10$12.10
    EMA 20$12.10
    EMA 50$12.10
    EMA 200$12.02

    MACD

    Line: N/ASignal: N/AHist: N/A

    ADX

    ADX: 43.8+DI: 13.4-DI: 34.2

    Aroon & PSAR

    Aroon Up100.0
    Aroon Down100.0
    PSAR$12.10

    Bollinger Bands

    Upper Band$12.10
    Lower Band$12.10
    %B PositionN/A
    Band Width-8.00

    RSI (14-Day)

    Neutral
    32.6

    Momentum Oscillators

    Stoch %KN/A
    Stoch %DN/A
    Williams %RN/A
    ROC (10d)N/A
    MomentumN/A
    CCI (20d)N/A
    MFI (14d)N/A

    Volatility Measures

    ATR (14d)N/A
    StdDev (20d)N/A
    Hist VolN/A

    Volume Flow

    VWAP$12.10
    OBV304.1K
    AD Line-40.5M
    CMF (20d)N/A

    Volume Metrics

    Avg Vol (20d)N/A
    Vol RatioN/A
    VWMA (20d)N/A

    Pivot Points

    R3$12.10
    R2$12.10
    R1$12.10
    Pivot Point$12.10
    S1$12.10
    S2$12.10
    S3$12.10

    Advanced Oscillators

    TSI-36.99
    Ultimate OscN/A
    KSTN/A

    Financial Data

    QuarterJun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023Jun 2023Mar 2023Dec 2022Sep 2022
    Total Revenue$76.69M$73.06M$80.02M$78.42M$78.67M$76.58M$73.03M$73.84M$72.72M$63.78M$60.92M$57.86M
    Cost of Revenue$33.12M$34.35M$37.62M$43.04M$37.22M$36.15M$35.34M$31.97M$31.98M$23.41M$14.83M$5.89M
    Gross Profit$43.56M$38.70M$42.40M$35.38M$41.45M$40.43M$37.69M$41.87M$40.74M$40.38M$46.08M$51.97M
    Operating Expenses$32.94M$31.58M$31.69M$31.09M$31.94M$30.69M$42.95M$30.95M$30.98M$30.66M$33.75M$33.53M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$19.70M$19.84M$20.02M$19.58M$19.97M$18.80M$19.99M$19.70M$19.40M$18.31M$19.29M$21.35M
    Operating Income$10.63M$7.13M$10.72M$4.29M$9.51M$9.74M$-5,261,000$10.92M$9.75M$9.71M$12.34M$18.44M
    Interest Income$65.60M$64.44M$67.52M$69.03M$67.95M$66.90M$64.39M$63.16M$60.80M$55.94M$51.91M$44.56M
    Interest Expense$32.38M$32.97M$35.69M$37.14M$36.60M$36.32M$34.69M$32.08M$28.70M$21.54M$12.73M$5.22M
    Income Before Tax$10.63M$7.13M$10.72M$4.29M$9.51M$9.74M$-5,261,000$10.92M$9.75M$9.71M$12.34M$18.44M
    Income Tax Expense$2.57M$1.63M$1.83M$366,000$2.21M$2.44M$1.85M$2.51M$2.27M$2.42M$2.76M$4.68M
    Net Income$8.06M$5.50M$8.89M$3.92M$7.30M$7.30M$-7,111,000$8.41M$7.48M$7.30M$9.58M$13.76M
    EBITDA$11.70M$8.22M$11.83M$5.40M$10.64M$10.88M$-4,101,000$12.05M$10.89M$10.88M$13.53M$19.65M
    EBIT$10.63M$7.13M$10.72M$4.29M$9.51M$9.74M$-5,261,000$10.92M$9.75M$9.71M$12.34M$18.44M
    * Some calculated fields are derived from available data when not provided by source

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    HONE Valuation and Fair Value

    Forward P/E
    15.0x
    P/FCF
    10.7x
    PEG
    0.0x
    P/B
    0.8x
    See GNG's fair value

    HONE Profitability: Margins, ROIC and FCF

    Operating margin
    29.6%
    Net margin
    16.0%
    ROE
    4.6%
    FCF margin
    27.6%
    FCF yield
    9.3%

    HONE Competitors

    CompanyTicker
    Nuveen Churchill Direct Lending Corp.NCDL
    Home Bancorp IncHBCP
    MSC Income Fund, Inc.MSIF
    Noah Holdings LtdNOAH
    Flushing Financial CorporationFFIC
    Spring Valley Acquisition Corp. IIISVACU
    Cantor Equity Partners III, Inc. Class A Ordinary SharesCAEP
    Gemini Space Station, Inc. Class A Common StockGEMI

    Sector: Financial Services

    HONE Bull Case vs Bear Case

    Bull case

    • HONE converts 27.6% of revenue into free cash flow.

    HONE Earnings: Beat Rate and Next Report

    Beat rate
    4 of 8 quarters (50.0%)
    Average surprise
    -21.6%

    HONE Dividend

    Forward yield
    0.0%
    3Y DPS growth
    -6.5%

    Frequently Asked Questions About HONE

    Does HONE pay dividends?

    HarborOne Bancorp Inc (HONE) has a dividend payment track record. See the HONE dividend history page for its current payment status, TTM yield, and recorded payments.

    What is HONE's market cap?

    HarborOne Bancorp Inc (HONE) has a market capitalization of $522.22M with a current stock price of $12.10.

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