Shares Outstanding Shares Outstanding n/a Close	43.09M
Shares Change (YoY) Shares Change (YoY) n/a Close	-2.64%
Shares Change (QoQ) Shares Change (QoQ) n/a Close	-1.26%
Owned by Institutions (%) Owned by Institutions (%) n/a Close	61.75%
Shares Floating Shares Floating n/a Close	n/a
Failed to Deliver (FTD) Shares Failed to Deliver (FTD) Shares n/a Close	5,763
FTD / Avg. Volume FTD / Avg. Volume n/a Close	1.65%

Short Selling Information

The latest short interest is 598.78K, so 1.39% of the outstanding shares have been sold short.

Short Interest Short Interest n/a Close	598.78K
Short % of Shares Out Short % of Shares Out n/a Close	1.39%
Short % of Float Short % of Float n/a Close	1.65%
Short Ratio (days to cover) Short Ratio (days to cover) n/a Close	1.42

Valuation Ratios

The PE ratio is 17.79 and the forward PE ratio is 12.31. HarborOne Bancorp's PEG ratio is 0.23.

PE Ratio PE Ratio n/a Close	17.79
Forward PE Forward PE n/a Close	12.31
PS Ratio PS Ratio n/a Close	2.9
Forward PS Forward PS n/a Close	2.4
PB Ratio PB Ratio n/a Close	0.85
P/FCF Ratio P/FCF Ratio n/a Close	187.41
PEG Ratio PEG Ratio n/a Close	0.23

Financial Ratio History

Enterprise Valuation

HarborOne Bancorp has an Enterprise Value (EV) of 773.13M.

EV / Sales EV / Sales n/a Close	4.6
EV / EBITDA EV / EBITDA n/a Close	0
EV / EBIT EV / EBIT n/a Close	201.34
EV / FCF EV / FCF n/a Close	297.13

Financial Position

The company has a current ratio of 0.1, with a Debt / Equity ratio of 0.9.

Current Ratio Current Ratio n/a Close	0.1
Quick Ratio Quick Ratio n/a Close	0.1
Debt / Equity Debt / Equity n/a Close	0.9
Debt / EBITDA Debt / EBITDA n/a Close	n/a
Debt / FCF Debt / FCF n/a Close	198.52
Interest Coverage Interest Coverage n/a Close	0.17

Financial Efficiency

Return on Equity is 4.77% and Return on Invested Capital is -0.93%.

Return on Equity Return on Equity n/a Close	4.77%
Return on Assets Return on Assets n/a Close	0.48%
Return on Invested Capital Return on Invested Capital n/a Close	-0.93%
Revenue Per Employee Revenue Per Employee n/a Close	$325,468.99
Profits Per Employee Profits Per Employee n/a Close	$53,114.34
Employee Count Employee Count n/a Close	516
Asset Turnover Asset Turnover n/a Close	0.03
Inventory Turnover Inventory Turnover n/a Close	n/a

Taxes

Income Tax Income Tax n/a Close	6.85M
Effective Tax Rate Effective Tax Rate n/a Close	20%

Stock Price Statistics

The stock price has increased by 8.36% in the last 52 weeks. The beta is 0.61, so HarborOne Bancorp's price volatility has been higher than the market average.

Beta Beta n/a Close	0.61
52-Week Price Change 52-Week Price Change n/a Close	8.36%
50-Day Moving Average 50-Day Moving Average n/a Close	10.76
200-Day Moving Average 200-Day Moving Average n/a Close	11.88
Relative Strength Index (RSI) Relative Strength Index (RSI) n/a Close	47.23
Average Volume (20 Days) Average Volume (20 Days) n/a Close	349,526

Income Statement

In the last 12 months, HarborOne Bancorp had revenue of 167.94M and earned 27.41M in profits. Earnings per share was 0.66.

Revenue Revenue n/a Close	167.94M
Gross Profit Gross Profit n/a Close	167.94M
Operating Income Operating Income n/a Close	24.48M
Net Income Net Income n/a Close	27.41M
EBITDA EBITDA n/a Close	n/a
EBIT EBIT n/a Close	-4.49M
Earnings Per Share (EPS) Earnings Per Share (EPS) n/a Close	0.66

Full Income Statement

Balance Sheet

The company has 231.07M in cash and 516.55M in debt, giving a net cash position of -285.48M.

Cash & Cash Equivalents Cash & Cash Equivalents n/a Close	231.07M
Total Debt Total Debt n/a Close	516.55M
Net Cash Net Cash n/a Close	-285.48M
Retained Earnings Retained Earnings n/a Close	373.86M
Total Assets Total Assets n/a Close	5.7B
Working Capital Working Capital n/a Close	n/a

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 3.84M and capital expenditures -1.24M, giving a free cash flow of 2.6M.

Operating Cash Flow Operating Cash Flow n/a Close	3.84M
Capital Expenditures Capital Expenditures n/a Close	-1.24M
Free Cash Flow Free Cash Flow n/a Close	2.6M
FCF Per Share FCF Per Share n/a Close	0.06

Full Cash Flow Statement

Margins

Gross margin is 100%, with operating and profit margins of 14.57% and 16.32%.

Gross Margin Gross Margin n/a Close	100%
Operating Margin Operating Margin n/a Close	14.57%
Pretax Margin Pretax Margin n/a Close	20.4%
Profit Margin Profit Margin n/a Close	16.32%
EBITDA Margin EBITDA Margin n/a Close	n/a
EBIT Margin EBIT Margin n/a Close	14.57%
FCF Margin FCF Margin n/a Close	1.55%

Dividends & Yields

HONE pays an annual dividend of $0.41, which amounts to a dividend yield of 3.43%.

Dividend Per Share Dividend Per Share n/a Close	$0.41
Dividend Yield Dividend Yield n/a Close	3.43%
Dividend Growth (YoY) Dividend Growth (YoY) n/a Close	20%
Payout Ratio Payout Ratio n/a Close	65.08%
Earnings Yield Earnings Yield n/a Close	5.62%
FCF Yield FCF Yield n/a Close	0.53%

Dividend Details

Analyst Forecast

The average price target for HONE is $14.5, which is 30% higher than the current price. The consensus rating is "Hold".

Price Target Price Target n/a Close	$14.5
Price Target Difference Price Target Difference n/a Close	30%
Analyst Consensus Analyst Consensus n/a Close	Hold
Analyst Count Analyst Count n/a Close	3

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value Lynch Fair Value n/a Close	$3.3
Lynch Upside Lynch Upside n/a Close	-70.4%
Graham Number Graham Number n/a Close	14.45
Graham Upside Graham Upside n/a Close	29.6%

Stock Splits

The last stock split was on Aug 15, 2019. It was a forward split with a ratio of 359:200.

Last Split Date Last Split Date n/a Close	Aug 15, 2019
Split Type Split Type n/a Close	forward
Split Ratio Split Ratio n/a Close	359:200

Scores

Altman Z-Score Altman Z-Score n/a Close	0.19
Piotroski F-Score Piotroski F-Score n/a Close	6