HarborOne Bancorp, Inc. Financial Ratios — HONE Stock

Profitability (USD)

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Return on Common Equity (%)	- -	3.07	3.05	5.12	5.33	7.99	17.37	19.37	13.34	4.48	7.46
Return on Assets (%)	- -	0.27	0.26	0.4	0.36	0.47	1.05	1.3	0.92	0.29	0.48
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.7	3.47	2.32	2.51	3	4.15	2.3	2.5	2.38	2.77	2.67
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	6.69	10.12	7.91	14.13	10.81	13.98	23.48	35.83	30.48	15.1	20.4
Profit Margin (%)	4.39	7.01	5.08	8.6	8.67	11.26	18.13	26.06	22.51	9.66	16.32
Net Income to Common Margin (%)	4.39	7.01	5.08	8.6	8.67	11.26	18.13	26.06	22.51	9.66	16.32
Effective Tax Rate (%)	34.44	30.73	35.73	39.13	19.8	19.44	22.78	27.26	26.15	36.01	20
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	7.27	15.71	26.73	79.78	47.83
Sustainable Growth Rate (%)	- -	3.07	3.05	5.12	5.33	7.99	16.1	16.33	9.78	0.91	3.89

Credit (USD)

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	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Total Debt	330	250	275	290	554	388	183	90	435	568	517
ST Debt	70	- -	80	44	290	183	35	- -	385	303	212
LT Debt	260	250	195	246	264	205	148	90	50	265	305
Total Debt/EBITDA	119.77	87.49	101.59	95.7	140.29	57.59	32.26	16	90.32	123.58	114.99
Net Debt/EBITDA	100.52	73.24	83.05	69.08	113.56	26.18	-4.01	-18.66	69.96	74.15	63.55
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.01	8.84	8.07	7.74	6.01	5.86	6.2	7.17	6.66	6.36	6.51
Long-Term Debt/Equity (%)	141.5	130.89	59.24	71.73	73.76	30.8	21.27	13.23	8.1	45.47	52.97
Long-Term Debt/Capital (%)	50.56	56.61	41.28	49.44	34.11	32.75	32.13	21.6	6.31	28.58	34.18
Long-Term Debt/Total Assets (%)	12.71	11.54	7.97	9.18	7.22	5.05	3.3	1.97	0.93	4.68	5.29
Total Debt/Equity (%)	179.66	130.89	83.53	84.54	154.86	58.28	26.3	13.23	70.5	97.38	89.83
Total Debt/Capital (%)	64.19	56.61	58.21	58.27	71.62	61.99	39.72	21.6	54.92	61.21	57.97
Total Debt/Total Assets (%)	16.14	11.54	11.24	10.81	15.16	9.56	4.08	1.97	8.12	10.03	8.98
Net Debt to Equity	150.78	109.57	68.28	61.01	125.35	26.5	-3.27	-15.44	54.61	58.43	49.65
Net Debt/Capital (%)	60.07	52.21	53.24	50.2	67.14	42.58	-8.91	-47.35	48.55	48.64	43.26
EBITDA	3	3	3	3	4	7	6	6	5	5	4
EBITDA-CapEx	2	1	1	- -	-2	2	- -	-1	3	- -	3
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.01	8.84	8.07	7.74	6.01	5.86	6.2	7.17	6.66	6.36	6.51
Long-Term Debt/Equity (%)	141.5	130.89	59.24	71.73	73.76	30.8	21.27	13.23	8.1	45.47	52.97
Long-Term Debt/Capital (%)	50.56	56.61	41.28	49.44	34.11	32.75	32.13	21.6	6.31	28.58	34.18
Long-Term Debt/Total Assets (%)	12.71	11.54	7.97	9.18	7.22	5.05	3.3	1.97	0.93	4.68	5.29
Total Debt/Equity (%)	179.66	130.89	83.53	84.54	154.86	58.28	26.3	13.23	70.5	97.38	89.83
Total Debt/Capital (%)	64.19	56.61	58.21	58.27	71.62	61.99	39.72	21.6	54.92	61.21	57.97
Total Debt/Total Assets (%)	16.14	11.54	11.24	10.81	15.16	9.56	4.08	1.97	8.12	10.03	8.98
CFO/Total Liabilities	1	1.49	-0.2	1.87	1.86	-1.06	-0.71	5.79	1.45	1.05	0.07
CFO/CapEx	14.91	19.76	-2.02	13.77	11.03	-8.15	-4.69	34.73	30.42	11.94	3.1
Altman's Z-Score	0.16	0.16	0.32	0.29	0.21	0.22	0.23	0.26	0.21	0.18	0.18

Working Capital (USD)

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	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Accounts Receivable Turnover	- -	17.48	22.18	19.86	15.89	16.39	22.79	19.96	15.72	9.99	9.19
Days Sales Outstanding	- -	20.88	16.46	18.38	22.97	22.27	16.02	18.29	23.21	36.54	39.73
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Market Capitalization	- -	- -	562	541	454	553	538	695	610	500	488
- Cash & Cash Equivalents	53	41	50	81	106	212	206	195	98	227	231
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	330	250	275	290	554	388	183	90	435	568	517
Enterprise Value	129	80	650	580	692	490	239	196	646	551	509
Total Capital	513	441	473	498	773	626	461	416	792	929	891
Total Debt/Capital (%)	64.19	56.61	58.21	58.27	71.62	61.99	39.72	21.6	54.92	61.21	57.97
Total Debt / EV	2.56	3.1	0.42	0.5	0.8	0.79	0.77	0.46	0.67	1.03	1.01
EV/Sales	2.2	0.98	5.57	4.81	5.27	3.02	0.97	0.87	3.19	3.31	3.03
EV/EBITDA	46.73	28.18	240.08	191.09	175.43	72.78	42.11	34.86	134.16	119.79	113.36
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	6.89	2.74	- -	13.21	11.32	- -	- -	0.87	9.38	10.3	132.61
EV/Free Cash Flow to Firm	6.46	2.61	- -	12.32	10.38	- -	- -	0.85	9.08	9.5	100.28
Diluted Market Cap	- -	- -	562	541	454	553	538	705	619	502	491
Diluted Enterprise Value	277	209	787	751	902	730	516	601	956	843	776
EV per Share	2.23	1.39	11.27	10.34	12.21	8.8	4.4	3.86	13.9	12.75	12.35
TTM Sales	59	82	117	121	131	162	247	225	203	166	168
TTM EBITDA	3	3	3	3	4	7	6	6	5	5	4
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	19	29	-4	44	61	-36	-27	224	69	54	4
TTM Free Cash Flow to Firm	20	31	-2	47	67	-32	-21	231	71	58	5

Multiples (USD)

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	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Price/Free Cash Flow	- -	- -	-258.02	11.5	6.8	-17.46	-25.38	3.06	8.69	8.66	96.62
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	129	80	650	580	692	490	239	196	646	551	509
Low Price	- -	- -	6.98	8.87	8.3	8.36	6.45	10.43	12.82	7.51	9.15
EV/Sales	2.2	0.98	5.57	4.81	5.27	3.02	0.97	0.87	3.19	3.31	3.03
EV/EBITDA	46.73	28.18	240.08	191.09	175.43	72.78	42.11	34.86	134.16	119.79	113.36
Price/Earnings	- -	- -	94.71	52.13	39.8	30.29	12.02	11.87	13.39	31.11	17.79
Price/Earnings Average	- -	- -	78.34	52.42	46.29	27.54	10	10.95	13.51	27.78	17.1
Price/Earnings High	- -	- -	109.39	67.09	55.47	34.14	13.58	13.43	15.88	38.93	21.06
Price/Earnings Low	- -	- -	67.87	47.92	41.3	25.5	7.82	9.04	13.07	20.19	13.76
Price/Book Value	- -	- -	2.84	2.6	2.07	2.33	1.94	2.13	1.71	1.39	1.3
Price/Book Value Average	- -	- -	2.35	2.62	2.4	2.11	1.61	1.96	1.72	1.24	1.25
Price/Book Value High	- -	- -	3.28	3.35	2.88	2.62	2.19	2.41	2.03	1.74	1.54
Price/Book Value Low	- -	- -	2.04	2.39	2.14	1.96	1.26	1.62	1.67	0.9	1.01
Price/Tangible Book Value	- -	- -	1.9	1.75	1.77	0.97	0.9	1.22	1.23	1.05	1.04
Price/Tangible Book Value Average	- -	- -	1.57	1.76	2.05	0.88	0.75	1.13	1.24	0.94	1
Price/Tangible Book Value High	- -	- -	2.2	2.25	2.46	1.09	1.02	1.38	1.46	1.31	1.23
Price/Tangible Book Value Low	- -	- -	1.36	1.61	1.83	0.81	0.59	0.93	1.2	0.68	0.8
Price/Sales	- -	- -	4.81	4.48	3.45	3.41	2.18	3.09	3.01	3.01	2.9
Price/Sales Average	- -	- -	3.98	4.51	4.01	3.1	1.81	2.85	3.04	2.69	2.79
Price/Sales High	- -	- -	5.56	5.77	4.81	3.84	2.46	3.5	3.57	3.76	3.44
Price/Sales Low	- -	- -	3.45	4.12	3.58	2.87	1.42	2.36	2.94	1.95	2.25
Price/Cash Flow	- -	- -	-130.17	12.33	7.41	-15.32	-19.97	3.1	8.86	9.35	126.99
Price/Cash Flow Average	- -	- -	-107.67	12.4	8.62	-13.93	-16.62	2.86	8.94	8.35	122.02
Price/Cash Flow High	- -	- -	-150.36	15.87	10.33	-17.26	-22.57	3.5	10.5	11.7	150.28
Price/Cash Flow Low	- -	- -	-93.29	11.33	7.69	-12.9	-13	2.36	8.65	6.07	98.22
Price/Free Cash Flow Average	- -	- -	-213.42	11.56	7.91	-15.88	-21.12	2.82	8.77	7.74	92.83
Price/Free Cash Flow High	- -	- -	-298.02	14.8	9.48	-19.68	-28.68	3.46	10.31	10.84	114.34
Price/Free Cash Flow Low	- -	- -	-184.9	10.57	7.05	-14.7	-16.52	2.33	8.49	5.62	74.73
EV/Sales Average	4.72	2.54	5.91	6.25	7.42	4.19	1.72	2.39	4.7	4.74	4.49
EV/Sales High	4.72	2.54	7.49	7.51	8.22	4.93	2.37	3.03	5.24	5.81	5.14
EV/Sales Low	4.72	2.54	5.38	5.86	6.99	3.96	1.33	1.89	4.61	4	3.95
EV/EBITDA Average	100.52	73.24	254.62	248.39	247.17	100.86	74.91	95.4	197.83	171.26	167.86
EV/EBITDA High	100.52	73.24	322.63	298.59	273.7	118.74	103.17	121.26	220.24	210.21	192.03
EV/EBITDA Low	100.52	73.24	231.7	232.99	232.77	95.33	57.71	75.55	193.7	144.72	147.52
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	9.74	9.65	8	9.93	9.91	13.69	13.13	11.57	11.83
High Price	- -	- -	11.25	12.42	11.15	11.19	11.2	15.49	15.57	14.48	14
Enterprise Value Average	277	209	690	754	976	680	425	536	953	788	754
Enterprise Value High	277	209	874	906	1,080	800	586	681	1,061	967	863
Enterprise Value Low	277	209	627	707	919	642	328	424	933	666	663

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Shares Outstanding	58	58	58	59	58	58	57	52	49	45	44
Diluted Weighted Avg Shares	58	58	58	56	57	56	54	52	47	43	41
Basic Weighted Avg Shares	58	58	58	56	57	56	54	51	46	43	41
Revenue per Share	1.02	1.43	2.02	2.15	2.32	2.91	4.55	4.42	4.36	3.85	4.07
EBITDA per Share	0.05	0.05	0.05	0.05	0.07	0.12	0.1	0.11	0.1	0.11	0.11
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.04	0.1	0.1	0.19	0.2	0.33	0.82	1.15	0.98	0.37	0.66
Basic EPS from Cont Ops	0.04	0.1	0.1	0.19	0.2	0.33	0.82	1.15	0.98	0.37	0.66
Diluted EPS, GAAP	0.04	0.1	0.1	0.19	0.2	0.33	0.82	1.14	0.97	0.37	0.66
Diluted EPS from Cont Ops	0.04	0.1	0.1	0.19	0.2	0.33	0.82	1.14	0.97	0.37	0.66
Dividend per Share	- -	- -	- -	- -	- -	- -	0.06	0.18	0.26	0.3	0.32
Cash Flow per Share	0.32	0.51	-0.07	0.78	1.08	-0.65	-0.5	4.42	1.48	1.24	0.09
Free Cash Flow per Basic Share	0.3	0.48	-0.11	0.73	0.98	-0.73	-0.6	4.29	1.43	1.13	0.06
Cash & Equivalents per Share	3.49	2.93	3.24	4.49	5.55	8.09	8.88	11.6	8.59	11.97	12.01
Book Value per Share	3.19	3.32	3.43	3.71	3.87	4.27	5.12	6.43	7.68	8.34	9.08
Tangible Book Value per Share	3.09	2.84	5.12	5.51	4.53	10.28	11	11.19	10.69	11.04	11.42

HarborOne Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)