HarborOne Bancorp Inc is a bank holding company. The company is engaged in providing financial services like accepting deposits, lending loans, online and mobile banking, cash management, credit cards, money market accounts, and wealth management. The Company has two reportable segments: HarborOne Bank and HarborOne Mortgage. The bank provides financial services to individuals and businesses online and through its full-service branches located in Massachusetts and Rhode Island, one limited-service branch, and a commercial lending office in each of Boston, Massachusetts and Providence, Rhode Island.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.52
Equity-to-Asset	0.1
Debt-to-Equity	1.31
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.35	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

4/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-5.6
	3-Year EPS without NRI Growth Rate	-13.6
	3-Year Book Growth Rate	1.8

Momentum Rank

7/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	87.07
	9-Day RSI	71.29
	14-Day RSI	61.83
	6-1 Month Momentum %	8.44
	12-1 Month Momentum %	-0.84

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	2.94
	Dividend Payout Ratio	0.81
	3-Year Dividend Growth Rate	48.5
	Forward Dividend Yield %	3.09
	5-Year Yield-on-Cost %	2.92
	3-Year Average Share Buyback Ratio	7.4
	Shareholder Yield %	-57.42

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	9.74
	FCF Margin %	29.7
	ROE %	2.73
	ROA %	0.28
	Years of Profitability over Past 10-Year	10

GF Value Rank

6/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	28
	Forward PE Ratio	15.95
	PE Ratio without NRI	28
	Shiller PE Ratio	21.58
	Price-to-Owner-Earnings	13.61
	PEG Ratio	2.26
	PS Ratio	2.71
	PB Ratio	0.83
	Price-to-Tangible-Book	1.01
	Price-to-Free-Cash-Flow	9.25
	Price-to-Operating-Cash-Flow	8.49
	EV-to-Revenue	5.01
	EV-to-FCF	16.79
	Price-to-Projected-FCF	0.33
	Price-to-Peter-Lynch-Fair-Value	2.39
	Price-to-Graham-Number	1.12
	FCF Yield %	10.5
	Forward Rate of Return (Yacktman) %	22.93

GF Value: $10.75

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