HarborOne Retained Earnings vs Cash Analysis

HONE Stock

USD 12.80 0.28 2.14%

HarborOne Bancorp financial indicator trend analysis is much more than just examining HarborOne Bancorp latest accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether HarborOne Bancorp is a good investment. Please check the relationship between HarborOne Bancorp Retained Earnings and its Cash accounts. 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 closely tied 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.

Retained Earnings vs Cash

Retained Earnings vs Cash Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of HarborOne Bancorp Retained Earnings account and Cash. At this time, the significance of the direction appears to have strong relationship.

The correlation between HarborOne Bancorp's Retained Earnings and Cash is 0.75. Overlapping area represents the amount of variation of Retained Earnings that can explain the historical movement of Cash in the same time period over historical financial statements of HarborOne Bancorp, assuming nothing else is changed. The correlation between historical values of HarborOne Bancorp's Retained Earnings and Cash is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Retained Earnings of HarborOne Bancorp are associated (or correlated) with its Cash. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Cash has no effect on the direction of Retained Earnings i.e., HarborOne Bancorp's Retained Earnings and Cash go up and down completely randomly.

Correlation Coefficient

0.75

Relationship Direction	Positive
Relationship Strength	Significant

View All Relationships

Retained Earnings

The cumulative amount of net income that a company retains for reinvestment in its operations, rather than distributing it to shareholders as dividends.

Cash

Cash refers to the most liquid asset of HarborOne Bancorp, which is listed under current asset account on HarborOne Bancorp balance sheet and usually includes currency, coins, checking accounts, and not deposited checks received from HarborOne Bancorp customers. The amounts must be unrestricted with restricted cash listed in a different HarborOne Bancorp account. The total amount of money in the form of currency that a company has in its possession. This includes all bills, coins, and funds in bank accounts.

Most indicators from HarborOne Bancorp's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into HarborOne Bancorp current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. 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 closely tied 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.At present, HarborOne Bancorp's Sales General And Administrative To Revenue is projected to slightly decrease based on the last few years of reporting. The current year's Enterprise Value Over EBITDA is expected to grow to 43.72, whereas Tax Provision is forecasted to decline to about 9.9 M.

	2021	2022	2023	2024 (projected)
Interest Expense	12.5M	22.9M	117.0M	122.9M
Depreciation And Amortization	5.6M	4.8M	4.6M	4.7M

Interest Expense Depreciation And Amortization

HarborOne Bancorp fundamental ratios Correlations

	Total Assets	Short Long Term Debt Total	Other Current Liab	Total Current Liabilities	Total Stockholder Equity	Other Liab	Net Tangible Assets	Property Plant And Equipment Net	Net Debt	Retained Earnings	Accounts Payable	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Long Term Debt	Cash And Short Term Investments	Net Receivables	Good Will	Common Stock Shares Outstanding	Short Term Investments	Non Current Liabilities Total	Inventory	Other Current Assets	Other Stockholder Equity	Total Liab
Total Assets		0.27	0.39	0.54	0.91	0.6	0.93	0.92	-0.13	0.96	0.7	0.84	0.95	-0.56	0.94	-0.54	0.69	0.98	0.91	-0.81	0.89	0.48	-0.52	-0.73	0.86	1.0
Short Long Term Debt Total	0.27		0.38	0.52	-0.03	-0.11	0.01	0.44	0.86	0.17	0.52	0.07	0.13	0.16	0.51	0.4	-0.31	0.4	0.19	-0.33	-0.07	0.45	0.41	0.13	-0.05	0.33
Other Current Liab	0.39	0.38		0.96	0.22	0.21	0.29	0.48	0.3	0.42	0.89	0.39	0.3	-0.42	0.47	0.13	-0.06	0.47	0.18	-0.76	0.25	0.99	0.35	-0.35	0.15	0.41
Total Current Liabilities	0.54	0.52	0.96		0.33	0.25	0.4	0.59	0.4	0.55	0.97	0.44	0.43	-0.45	0.62	0.0	0.02	0.61	0.33	-0.86	0.34	0.99	0.27	-0.44	0.27	0.57
Total Stockholder Equity	0.91	-0.03	0.22	0.33		0.57	0.99	0.8	-0.43	0.85	0.51	0.9	0.91	-0.44	0.76	-0.63	0.87	0.84	0.92	-0.64	0.9	0.28	-0.77	-0.78	0.99	0.88
Other Liab	0.6	-0.11	0.21	0.25	0.57		0.57	0.59	-0.34	0.68	0.34	0.54	0.78	-0.51	0.5	-0.49	0.64	0.52	0.59	-0.51	0.82	0.22	-0.38	-0.43	0.5	0.59
Net Tangible Assets	0.93	0.01	0.29	0.4	0.99	0.57		0.81	-0.42	0.88	0.56	0.92	0.89	-0.48	0.78	-0.57	0.8	0.87	0.87	-0.68	0.89	0.35	-0.72	-0.8	0.97	0.9
Property Plant And Equipment Net	0.92	0.44	0.48	0.59	0.8	0.59	0.81		0.0	0.84	0.73	0.85	0.9	-0.45	0.93	-0.27	0.59	0.93	0.9	-0.73	0.8	0.53	-0.39	-0.55	0.75	0.93
Net Debt	-0.13	0.86	0.3	0.4	-0.43	-0.34	-0.42	0.0		-0.17	0.33	-0.4	-0.26	0.27	0.14	0.45	-0.6	0.0	-0.21	-0.13	-0.43	0.35	0.73	0.4	-0.45	-0.08
Retained Earnings	0.96	0.17	0.42	0.55	0.85	0.68	0.88	0.84	-0.17		0.69	0.75	0.92	-0.72	0.88	-0.63	0.64	0.95	0.8	-0.87	0.91	0.5	-0.44	-0.77	0.77	0.97
Accounts Payable	0.7	0.52	0.89	0.97	0.51	0.34	0.56	0.73	0.33	0.69		0.58	0.6	-0.51	0.76	-0.16	0.22	0.75	0.53	-0.93	0.51	0.95	0.08	-0.56	0.45	0.72
Cash	0.84	0.07	0.39	0.44	0.9	0.54	0.92	0.85	-0.4	0.75	0.58		0.84	-0.41	0.71	-0.3	0.75	0.8	0.84	-0.6	0.82	0.42	-0.66	-0.73	0.89	0.82
Non Current Assets Total	0.95	0.13	0.3	0.43	0.91	0.78	0.89	0.9	-0.26	0.92	0.6	0.84		-0.58	0.86	-0.6	0.82	0.89	0.94	-0.74	0.97	0.37	-0.6	-0.69	0.85	0.94
Non Currrent Assets Other	-0.56	0.16	-0.42	-0.45	-0.44	-0.51	-0.48	-0.45	0.27	-0.72	-0.51	-0.41	-0.58		-0.43	0.59	-0.42	-0.55	-0.36	0.7	-0.67	-0.45	0.22	0.73	-0.33	-0.58
Other Assets	0.94	0.51	0.47	0.62	0.76	0.5	0.78	0.93	0.14	0.88	0.76	0.71	0.86	-0.43		-0.35	0.49	0.97	0.85	-0.81	0.75	0.55	-0.26	-0.49	0.7	0.96
Long Term Debt	-0.54	0.4	0.13	0.0	-0.63	-0.49	-0.57	-0.27	0.45	-0.63	-0.16	-0.3	-0.6	0.59	-0.35		-0.71	-0.42	-0.53	0.44	-0.67	0.04	0.61	0.65	-0.59	-0.51
Cash And Short Term Investments	0.69	-0.31	-0.06	0.02	0.87	0.64	0.8	0.59	-0.6	0.64	0.22	0.75	0.82	-0.42	0.49	-0.71		0.55	0.83	-0.38	0.87	-0.02	-0.88	-0.66	0.87	0.65
Net Receivables	0.98	0.4	0.47	0.61	0.84	0.52	0.87	0.93	0.0	0.95	0.75	0.8	0.89	-0.55	0.97	-0.42	0.55		0.85	-0.83	0.81	0.55	-0.38	-0.66	0.77	0.99
Good Will	0.91	0.19	0.18	0.33	0.92	0.59	0.87	0.9	-0.21	0.8	0.53	0.84	0.94	-0.36	0.85	-0.53	0.83	0.85		-0.59	0.86	0.25	-0.67	-0.59	0.9	0.89
Common Stock Shares Outstanding	-0.81	-0.33	-0.76	-0.86	-0.64	-0.51	-0.68	-0.73	-0.13	-0.87	-0.93	-0.6	-0.74	0.7	-0.81	0.44	-0.38	-0.83	-0.59		-0.7	-0.83	0.08	0.71	-0.55	-0.83
Short Term Investments	0.89	-0.07	0.25	0.34	0.9	0.82	0.89	0.8	-0.43	0.91	0.51	0.82	0.97	-0.67	0.75	-0.67	0.87	0.81	0.86	-0.7		0.3	-0.66	-0.75	0.84	0.87
Non Current Liabilities Total	0.48	0.45	0.99	0.99	0.28	0.22	0.35	0.53	0.35	0.5	0.95	0.42	0.37	-0.45	0.55	0.04	-0.02	0.55	0.25	-0.83	0.3		0.3	-0.42	0.21	0.5
Inventory	-0.52	0.41	0.35	0.27	-0.77	-0.38	-0.72	-0.39	0.73	-0.44	0.08	-0.66	-0.6	0.22	-0.26	0.61	-0.88	-0.38	-0.67	0.08	-0.66	0.3		0.62	-0.81	-0.46
Other Current Assets	-0.73	0.13	-0.35	-0.44	-0.78	-0.43	-0.8	-0.55	0.4	-0.77	-0.56	-0.73	-0.69	0.73	-0.49	0.65	-0.66	-0.66	-0.59	0.71	-0.75	-0.42	0.62		-0.74	-0.7
Other Stockholder Equity	0.86	-0.05	0.15	0.27	0.99	0.5	0.97	0.75	-0.45	0.77	0.45	0.89	0.85	-0.33	0.7	-0.59	0.87	0.77	0.9	-0.55	0.84	0.21	-0.81	-0.74		0.82
Total Liab	1.0	0.33	0.41	0.57	0.88	0.59	0.9	0.93	-0.08	0.97	0.72	0.82	0.94	-0.58	0.96	-0.51	0.65	0.99	0.89	-0.83	0.87	0.5	-0.46	-0.7	0.82

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HarborOne Bancorp Account Relationship Matchups

HarborOne Bancorp fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	4.1B	4.5B	4.6B	5.4B	5.7B	4.1B
Short Long Term Debt Total	388.0M	183.1M	89.9M	435.0M	568.5M	369.9M
Other Current Liab	(184.7M)	(36.3M)	973K	(387.3M)	1.9B	2.0B
Total Current Liabilities	184.7M	36.3M	1.1M	387.3M	2.3B	2.4B
Total Stockholder Equity	665.8M	696.3M	679.3M	617.0M	583.8M	511.1M
Other Liab	39.1M	22.7M	101.6M	49.0M	56.4M	45.8M
Net Tangible Assets	590.0M	622.1M	606.3M	544.9M	626.6M	445.5M
Property Plant And Equipment Net	48.0M	49.6M	50.7M	49.0M	71.6M	46.7M
Net Debt	176.4M	(22.7M)	(104.8M)	336.9M	341.1M	358.2M
Retained Earnings	237.4M	277.3M	325.7M	356.4M	359.7M	281.1M
Accounts Payable	1.7M	1.3M	1.1M	2.3M	5.3M	5.5M
Cash	211.6M	205.9M	194.7M	98.0M	227.4M	139.5M
Non Current Assets Total	406.8M	425.1M	556.0M	490.4M	488.3M	415.6M
Non Currrent Assets Other	(6.0M)	(425.1M)	(556.0M)	(490.4M)	(488.3M)	(463.9M)
Other Assets	3.2B	3.6B	3.4B	4.5B	4.9B	3.7B
Long Term Debt	205.0M	148.1M	89.9M	50.0M	265.5M	152.6M
Cash And Short Term Investments	451.1M	482.4M	588.8M	399.2M	227.4M	359.9M
Net Receivables	9.8M	11.9M	10.6M	15.1M	18.2M	10.7M
Common Stock Shares Outstanding	55.7M	54.3M	51.5M	47.1M	43.4M	43.0M
Short Term Investments	239.5M	276.5M	394.0M	301.1M	290.2M	252.4M
Liabilities And Stockholders Equity	4.1B	4.5B	4.6B	5.4B	5.7B	4.1B
Non Current Liabilities Total	205.0M	148.1M	89.9M	387.3M	5.1B	5.3B
Inventory	(230.7M)	(218.3M)	(206.3M)	(113.2M)	20.7M	21.7M
Other Current Assets	230.7M	218.3M	206.3M	113.2M	245.9M	233.6M
Other Stockholder Equity	426.4M	416.2M	354.6M	307.0M	267.1M	239.8M
Total Liab	3.4B	3.8B	3.9B	4.7B	5.1B	3.6B
Long Term Investments	265.8M	276.5M	394.0M	321.1M	309.9M	261.7M
Property Plant And Equipment Gross	48.0M	49.6M	79.2M	80.9M	80.6M	54.3M
Short Long Term Debt	183M	35M	0.0	385M	303M	152.4M
Total Current Assets	460.9M	494.2M	599.4M	414.3M	245.5M	233.2M
Accumulated Other Comprehensive Income	1.5M	2.2M	(1.6M)	(47.1M)	(43.6M)	(41.4M)
Short Term Debt	183M	35M	3.1M	385M	303M	158.2M
Intangible Assets	23.2M	29.2M	41.4M	50.4M	47.6M	30.7M
Property Plant Equipment	48.0M	49.6M	77.5M	75.9M	87.3M	49.7M
Current Deferred Revenue	(1.1B)	(1.3B)	(2.1M)	(5.3M)	(6.0M)	(6.3M)

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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:

How To Invest In HarborOne

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Is HarborOne Stock a good investment?

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What is HarborOne Bancorp's Net Worth?

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Largest Regional Banks Companies

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Largest Banks - Regional Companies

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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 closely tied 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 Fundamentals Comparison module to compare fundamentals across multiple equities to find investing opportunities.

Is Regional Banks space 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

(0.51)

Dividend Share

0.315

Earnings Share

0.29

Revenue Per Share

3.816

Quarterly Revenue Growth

(0.15)

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.

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HarborOne Retained Earnings vs Cash Analysis

Retained Earnings vs Cash

Retained Earnings vs Cash Correlation Analysis

Correlation Coefficient

Retained Earnings

Cash

HarborOne Bancorp fundamental ratios Correlations

HarborOne Bancorp Account Relationship Matchups

High Positive Relationship

High Negative Relationship

HarborOne Bancorp fundamental ratios Accounts

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COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Total Liab	+ 1.0	Total Assets
Non Current Liabilities Total	+ 0.99	Other Current Liab
Non Current Liabilities Total	+ 0.99	Total Current Liabilities
Net Tangible Assets	+ 0.99	Total Stockholder Equity
Other Stockholder Equity	+ 0.99	Total Stockholder Equity
Total Liab	+ 0.99	Net Receivables

Common Stock Shares Outstanding	- 0.93	Accounts Payable
Inventory	- 0.88	Cash And Short Term Investments
Common Stock Shares Outstanding	- 0.87	Retained Earnings
Common Stock Shares Outstanding	- 0.86	Total Current Liabilities
Total Liab	- 0.83	Common Stock Shares Outstanding
Non Current Liabilities Total	- 0.83	Common Stock Shares Outstanding