Profitability
Weight: 25%
C-
48
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2024) 74.7%
- Efficiency Ratio Trend -2.01 pp/yr
HONE
HarborOne Bancorp, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
C+
61
- 5yr Avg ROE 6.0%
- 5yr Share-Count CAGR -5.7%
Growth Quality
Weight: 15%
A-
81
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 8.6%
- Efficiency Ratio Trend (growth quality check) -2.01 pp/yr
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
F
16
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.10
Balance Sheet
Weight: 20%
B+
80
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 10.0%
Stability
Weight: 10%
D
34
- EPS Volatility (σ/μ) 0.86
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.Not enough curated-guru data to call a flow.
- Cooperman sold -100%