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HarborOne Bancorp, Inc. (HONE)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$11.53 - $23.86$16.23
Multi-Stage$11.39 - $12.45$11.91
Blended Fair Value$14.07
Current Price$11.68
Upside20.46%
DecisionDon't Buy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS0.00%0.00%0.320.310.300.230.080.000.000.000.000.00
YoY Growth--2.20%5.23%32.55%182.23%0.00%0.00%0.00%0.00%0.00%0.00%
Dividend Yield--3.09%3.03%2.45%1.61%0.59%0.00%0.00%0.00%0.00%0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)26.37
(-) Cash Dividends Paid (M)13.46
(=) Cash Retained (M)12.91
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)5.273.301.98
Cash Retained (M)12.9112.9112.91
(-) Cash Required (M)-5.27-3.30-1.98
(=) Excess Retained (M)7.639.6110.93
(/) Shares Outstanding (M)40.8440.8440.84
(=) Excess Retained per Share0.190.240.27
LTM Dividend per Share0.330.330.33
(+) Excess Retained per Share0.190.240.27
(=) Adjusted Dividend0.520.560.60
WACC / Discount Rate8.31%8.31%8.31%
Growth Rate3.67%4.67%5.67%
Fair Value$11.53$16.23$23.86
Upside / Downside-1.29%38.91%104.32%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)26.3727.6028.8930.2431.6533.1234.12
Payout Ratio51.05%58.84%66.63%74.42%82.21%90.00%92.50%
Projected Dividends (M)13.4616.2419.2522.5026.0229.8131.56

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate8.31%8.31%8.31%
Growth Rate3.67%4.67%5.67%
Year 1 PV (M)14.8514.9915.14
Year 2 PV (M)16.1016.4116.72
Year 3 PV (M)17.2117.7118.22
Year 4 PV (M)18.1918.9019.64
Year 5 PV (M)19.0620.0020.97
PV of Terminal Value (M)379.89398.57417.98
Equity Value (M)465.30486.58508.67
Shares Outstanding (M)40.8440.8440.84
Fair Value$11.39$11.91$12.45
Upside / Downside-2.46%2.00%6.63%

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