Last 39 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
HarborOne Bancorp, Inc.'s quarterly P/E stands at 14.6x, down 5.6% year-over-year. EV/EBITDA has compressed 23.8% YoY to 15.1x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 18.33 | 14.60 | 18.52 | 13.44 | 34.19 | 15.46 | 15.68 | — | 11.90 | 12.76 | 19.06 | 16.55 | 11.18 |
| — | -5.6% | +18.1% | — | +187.3% | +21.1% | -17.8% | — | +6.4% | -22.2% | +36.0% | +11.5% | -23.5% | |
| P/S Ratio | 1.66 | 1.54 | 1.44 | 1.52 | 1.71 | 1.46 | 1.47 | 1.73 | 1.39 | 1.29 | 2.17 | 2.62 | 2.69 |
| — | +5.0% | -1.7% | -12.1% | +23.5% | +13.7% | -32.3% | -34.0% | -48.5% | -58.3% | -31.9% | -23.3% | -15.1% | |
| P/B Ratio | 0.87 | 0.81 | 0.73 | 0.84 | 0.92 | 0.80 | 0.78 | 0.86 | 0.70 | 0.63 | 0.92 | 1.03 | 1.02 |
| — | +1.9% | -6.0% | -2.2% | +31.2% | +26.9% | -15.6% | -16.4% | -31.3% | -40.1% | -12.4% | -5.1% | -2.6% | |
| P/FCF | 200.70 | — | 4.55 | 38.58 | 5.51 | — | 7.55 | — | 3.78 | 3.14 | 15.06 | 10.85 | 4.95 |
| — | — | -39.8% | — | +45.8% | — | -49.8% | — | -23.6% | -88.6% | +27.9% | +227.7% | +22.6% | |
| EV / EBITDA | 20.84 | 15.13 | 17.95 | 16.30 | 39.40 | 19.84 | 18.62 | — | 13.94 | 17.45 | 21.32 | 18.01 | 11.67 |
| — | -23.8% | -3.6% | — | +182.6% | +13.7% | -12.7% | — | +19.5% | +47.3% | +147.6% | +100.2% | +79.7% | |
| EV / EBIT | 23.58 | 16.66 | 20.71 | 17.99 | 49.63 | 22.21 | 20.79 | — | 15.39 | 19.49 | 23.88 | 19.75 | 12.43 |
| — | -25.0% | -0.4% | — | +222.4% | +13.9% | -12.9% | — | +23.8% | +51.3% | +159.0% | +104.1% | +77.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
HarborOne Bancorp, Inc.'s operating margin was 13.9% in Q2 2025, up 4.1 pp QoQ and up 1.8 pp YoY. The trailing four-quarter average of 10.6% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 7.8% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 50.9% | 56.8% | 53.0% | 53.0% | 45.1% | 52.7% | 52.8% | 51.6% | 56.7% | 56.0% | 63.3% | 75.6% | 89.8% |
| — | +7.8% | +0.3% | +2.7% | -20.4% | -5.9% | -16.6% | -31.8% | -36.9% | -37.9% | -33.4% | -23.0% | -7.9% | |
| Operating Margin | 10.9% | 13.9% | 9.8% | 13.4% | 5.5% | 12.1% | 12.7% | -7.2% | 14.8% | 13.4% | 15.2% | 20.3% | 31.9% |
| — | +14.6% | -23.3% | +285.9% | -63.0% | -9.9% | -16.5% | -135.6% | -53.6% | -48.4% | -52.4% | -33.0% | +4.1% | |
| Net Margin | 8.7% | 10.5% | 7.5% | 11.1% | 5.0% | 9.3% | 9.5% | -9.7% | 11.4% | 10.3% | 11.4% | 15.7% | 23.8% |
| — | +13.3% | -21.0% | +214.0% | -56.1% | -9.8% | -16.7% | -161.9% | -52.1% | -45.4% | -50.0% | -32.3% | +8.7% |
| Metric | TTM | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 4.7% | 1.4% | 1.0% | 1.5% | 0.7% | 1.3% | 1.3% | -1.2% | 1.4% | 1.3% | 1.2% | 1.6% | 2.2% |
| — | +10.3% | -24.0% | +226.0% | -52.6% | +1.0% | +4.8% | -178.1% | -36.0% | -20.2% | -35.1% | -15.8% | +25.8% | |
| ROA | 0.5% | 0.1% | 0.1% | 0.2% | 0.1% | 0.1% | 0.1% | -0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.3% |
| — | +13.7% | -24.2% | +222.9% | -54.3% | -5.9% | -5.2% | -167.8% | -47.7% | -38.0% | -50.2% | -33.0% | +6.3% | |
| ROIC | 2.3% | 0.8% | 0.5% | 0.7% | 0.3% | 0.6% | 0.6% | -0.4% | 0.7% | 0.6% | 0.6% | 0.9% | 1.6% |
| — | +41.6% | -12.1% | +306.6% | -60.6% | -5.2% | -8.1% | -138.8% | -55.3% | -56.8% | -62.5% | -43.3% | -2.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
HarborOne Bancorp, Inc.'s Debt/EBITDA ratio is 37.6x, down from 48.6x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 11.2% YoY to 0.10x, tightening the short-term liquidity position.
| Metric | TTM | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.90 | 0.76 | 0.69 | 0.90 | 0.92 | 1.07 | 1.31 | 0.97 | 0.87 | 1.07 | 1.04 | 0.70 | 0.62 |
| — | -29.4% | -46.9% | -7.7% | +5.9% | -0.0% | +25.3% | +38.1% | +40.3% | +378.8% | +652.4% | +432.8% | +370.4% | |
| Debt / EBITDA | 13.33 | 37.58 | 48.61 | 43.68 | 99.81 | 58.20 | 69.36 | — | 42.29 | 58.64 | 57.46 | 32.16 | 19.34 |
| — | -35.4% | -29.9% | — | +136.0% | -0.8% | +20.7% | — | +118.7% | +528.9% | +1074.2% | +531.1% | +299.1% | |
| Current Ratio | 0.11 | 0.10 | 0.05 | 0.11 | 0.11 | 0.12 | 0.16 | 0.11 | 0.12 | 0.13 | 0.12 | 0.09 | 0.10 |
| — | -11.2% | -66.4% | -5.6% | -5.6% | -10.5% | +31.2% | +26.0% | +26.6% | +19.9% | -10.4% | -44.4% | -50.9% | |
| Quick Ratio | 0.11 | 0.10 | 0.05 | 0.11 | 0.11 | 0.12 | 0.16 | 0.11 | 0.12 | 0.13 | 0.12 | 0.09 | 0.10 |
| — | -11.2% | -66.4% | -5.6% | -5.6% | -10.5% | +31.2% | +26.0% | +26.6% | +19.9% | -10.4% | -44.4% | -50.9% | |
| Interest Coverage | 0.24 | 0.33 | 0.22 | 0.30 | 0.12 | 0.26 | 0.27 | -0.15 | 0.34 | 0.34 | 0.45 | 0.97 | 3.53 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 39 years · Updated daily
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HarborOne Bancorp, Inc.'s current P/E is 18.3x. The average P/E over the last 4 quarters is 20.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
HarborOne Bancorp, Inc.'s current operating margin is 10.9%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking HarborOne Bancorp, Inc.'s business trajectory between earnings reports.