HarborOne Bancorp Valuation
| HONE Stock | USD 9.75 0.40 4.28% |
At this time, the firm appears to be undervalued. HarborOne Bancorp retains a regular Real Value of $10.59 per share. The prevalent price of the firm is $9.75. Our model calculates the value of HarborOne Bancorp from evaluating the firm fundamentals such as Current Valuation of 749.92 M, return on asset of 0.0029, and Return On Equity of 0.0268 as well as inspecting its technical indicators and probability of bankruptcy. In general, most investors encourage purchasing undervalued assets and exiting overvalued assets since, at some point, asset prices and their ongoing real values will come together. Key fundamental drivers impacting HarborOne Bancorp's valuation include:
Price Book 0.7447 | Enterprise Value 749.9 M | Price Sales 2.6613 | Forward PE 15.2207 | Trailing PE 25.2703 |
Undervalued
Today
Please note that HarborOne Bancorp's price fluctuation is not too volatile at this time. Calculation of the real value of HarborOne Bancorp is based on 3 months time horizon. Increasing HarborOne Bancorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Our valuation method for HarborOne Bancorp is useful when determining the fair value of the HarborOne stock, which is usually determined by what a typical buyer is willing to pay for full or partial control of HarborOne Bancorp. Since HarborOne Bancorp is currently traded on the exchange, buyers and sellers on that exchange determine the market value of HarborOne Stock. However, HarborOne Bancorp's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 9.75 | Real 10.59 | Target 11.25 | Hype 9.21 |
The real value of HarborOne Stock, also known as its intrinsic value, is the underlying worth of HarborOne Bancorp Company, which is reflected in its stock price. It is based on HarborOne Bancorp's financial performance, assets, liabilities, growth prospects, management team, or industry conditions. The intrinsic value of HarborOne Bancorp's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence HarborOne Bancorp's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of HarborOne Bancorp helps investors to forecast how HarborOne stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of HarborOne Bancorp more accurately as focusing exclusively on HarborOne Bancorp's fundamentals will not take into account other important factors: Traditionally analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use HarborOne Bancorp's intrinsic value based on its ongoing forecasts of HarborOne Bancorp's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against HarborOne Bancorp's closest peers. When choosing an evaluation method for HarborOne Bancorp, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using both methods to arrive at a better estimate.
HarborOne Bancorp Investments |
|
HarborOne Valuation Trend
Knowing HarborOne Bancorp's actual value is paramount for traders to make sound investment determinations. HarborOne Bancorp's real value is not only important for the investor to make better decisions but also for a more accurate overall view of HarborOne Bancorp's financial worth over time since having this information enables investors and analysts to forecast the earnings more efficiently. Using both HarborOne Bancorp's enterprise value as well as its market capitalization is the best way to gauging the value of the company and is usually enough for investors to make market timing descisions.
HarborOne Market Cap
HarborOne Bancorp is one of the top stocks in market capitalization category among related companies. Market capitalization of Financials industry is currently estimated at about 767.91 Million. HarborOne Bancorp totals roughly 430.82 Million in market capitalization claiming about 56% of equities under Financials industry.HarborOne Bancorp Valuation Ratios as Compared to Competition
Comparative valuation techniques use various fundamental indicators to help in determining HarborOne Bancorp's current stock value. Our valuation model uses many indicators to compare HarborOne Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across HarborOne Bancorp competition to find correlations between indicators driving HarborOne Bancorp's intrinsic value. More Info.HarborOne Bancorp is one of the top stocks in price to earning category among related companies. It is rated # 2 in price to book category among related companies fabricating about 0.05 of Price To Book per Price To Earning. The ratio of Price To Earning to Price To Book for HarborOne Bancorp is roughly 18.96 . As of April 19, 2024, Price To Book Ratio is expected to decline to 0.84. Comparative valuation analysis is a catch-all model that can be used if you cannot value HarborOne Bancorp by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for HarborOne Bancorp's Stock. Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the HarborOne Bancorp's earnings, one of the primary drivers of an investment's value.Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates HarborOne Bancorp's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in HarborOne Bancorp and how it compares across the competition.
About HarborOne Bancorp Valuation
The stock valuation mechanism determines the current worth of HarborOne Bancorp on a weekly basis. We use both absolute as well as relative valuation methodologies to arrive at the intrinsic value of HarborOne Bancorp. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of HarborOne Bancorp based exclusively on its fundamental and basic technical indicators. By analyzing HarborOne Bancorp's financials, quarterly and monthly indicators, and its related drivers such as dividends, operating cash flow, and various types of growth rates, we attempt to find the most accurate representation of HarborOne Bancorp's intrinsic value. In some cases, mostly for established, large-cap companies, we also incorporate more traditional valuation methods such as dividend discount, discounted cash flow, or asset-based models. As compared to an absolute model, our relative valuation model uses a comparative analysis of HarborOne Bancorp. We calculate exposure to HarborOne Bancorp's market risk, different technical and fundamental indicators, relevant financial multiples and ratios, and then comparing them to HarborOne Bancorp's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 277 M | 157.1 M | |
| Pretax Profit Margin | 0.09 | 0.13 | |
| Operating Profit Margin | 0.87 | 0.92 | |
| Net Profit Margin | 0.06 | 0.1 | |
| Gross Profit Margin | 0.01 | 0.01 |
HarborOne Bancorp Quarterly Retained Earnings |
|
8 Steps to conduct HarborOne Bancorp's Valuation Analysis
Company's valuation is the process of determining the worth of any company in monetary terms. It estimates HarborOne Bancorp's potential worth based on factors such as financial performance, market conditions, growth prospects, and overall economic environment. The result of company valuation is a single number representing a Company's current market value. This value can be used as a benchmark for various financial transactions such as mergers and acquisitions, initial public offerings (IPOs), or private equity investments. To conduct HarborOne Bancorp's valuation analysis, follow these 8 steps:- Gather financial information: Obtain HarborOne Bancorp's financial statements, including balance sheets, income statements, and cash flow statements.
- Determine HarborOne Bancorp's revenue streams: Identify HarborOne Bancorp's primary sources of revenue, including products or services offered, target markets, and pricing strategies.
- Analyze market data: Research HarborOne Bancorp's industry and market trends, including the size of the market, growth rate, and competition.
- Establish HarborOne Bancorp's growth potential: Evaluate HarborOne Bancorp's management, business model, and growth potential.
- Determine HarborOne Bancorp's financial performance: Analyze its financial statements to assess its historical performance and future potential.
- Choose a valuation method: Consider the Company's specific circumstances and choose an appropriate valuation method, such as the discounted cash flow (DCF) or comparable analysis method.
- Calculate the value: Apply the chosen valuation method to the financial information and market data to calculate HarborOne Bancorp's estimated value.
- Review and adjust: Review the results and make necessary adjustments, considering any relevant factors that may have been missed or overlooked.
A single share of HarborOne Bancorp represents a small ownership stake in the entity. As a stockholder of HarborOne, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
HarborOne Bancorp Dividends Analysis For Valuation
The current year's Dividends Paid is expected to grow to about (12.2 M). In addition to that, Dividend Yield is expected to decline to 0.02. As of April 19, 2024, Retained Earnings is expected to decline to about 281.1 M. In addition to that, Earning Assets is expected to decline to about 493.1 M
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -12.8 M | -12.2 M | |
| Dividend Yield | 0.02 | 0.02 | |
| Dividend Payout Ratio | 0.80 | 0.76 | |
| Dividend Paid And Capex Coverage Ratio | 5.28 | 3.62 |
There are various types of dividends HarborOne Bancorp can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of HarborOne shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from HarborOne Bancorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When HarborOne pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of HarborOne Bancorp by the value of the dividends paid out.
HarborOne Bancorp Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines. Note, investing in growth stocks can be very risky. If the company such as HarborOne Bancorp does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 43.4 M | |
| Quarterly Earnings Growth Y O Y | -0.346 | |
| Forward Price Earnings | 15.2207 |
HarborOne Bancorp Current Valuation Indicators
Valuation refers to the process of determining the present value of HarborOne Bancorp and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value HarborOne we look at many different elements of the entity such as HarborOne's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation. HarborOne Bancorp's valuation analysis is also a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final HarborOne Bancorp's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as HarborOne Bancorp, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use HarborOne Bancorp's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes HarborOne Bancorp's worth.When determining whether HarborOne Bancorp is a strong investment it is important to analyze HarborOne Bancorp's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact HarborOne Bancorp's future performance. For an informed investment choice regarding HarborOne Stock, refer to the following important reports: Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in HarborOne Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in board of governors. For information on how to trade HarborOne Stock refer to our How to Trade HarborOne Stock guide.You can also try the Sign In To Macroaxis module to sign in to explore Macroaxis' wealth optimization platform and fintech modules.
Complementary Tools for HarborOne Stock analysis
When running HarborOne Bancorp's price analysis, check to measure HarborOne Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy HarborOne Bancorp is operating at the current time. Most of HarborOne Bancorp's value examination focuses on studying past and present price action to predict the probability of HarborOne Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move HarborOne Bancorp's price. Additionally, you may evaluate how the addition of HarborOne Bancorp to your portfolios can decrease your overall portfolio volatility.
| Portfolio Dashboard Portfolio dashboard that provides centralized access to all your investments | |
| Portfolio Optimization Compute new portfolio that will generate highest expected return given your specified tolerance for risk | |
| Fundamental Analysis View fundamental data based on most recent published financial statements | |
| Options Analysis Analyze and evaluate options and option chains as a potential hedge for your portfolios | |
| Commodity Directory Find actively traded commodities issued by global exchanges | |
| Global Markets Map Get a quick overview of global market snapshot using zoomable world map. Drill down to check world indexes | |
| Equity Forecasting Use basic forecasting models to generate price predictions and determine price momentum |
Is HarborOne Bancorp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of HarborOne Bancorp. If investors know HarborOne will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about HarborOne Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.35) | Dividend Share 0.3 | Earnings Share 0.37 | Revenue Per Share 3.782 | Quarterly Revenue Growth (0.19) |
The market value of HarborOne Bancorp is measured differently than its book value, which is the value of HarborOne that is recorded on the company's balance sheet. Investors also form their own opinion of HarborOne Bancorp's value that differs from its market value or its book value, called intrinsic value, which is HarborOne Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because HarborOne Bancorp's market value can be influenced by many factors that don't directly affect HarborOne Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between HarborOne Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if HarborOne Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, HarborOne Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.