HarborOne Bancorp [HONE] vs U.S. Bancorp [USB] Detailed Stock Comparison
HarborOne Bancorp
NASDAQ
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U.S. Bancorp
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: HarborOne Bancorp wins in 3 metrics, U.S. Bancorp wins in 15 metrics, with 0 ties. U.S. Bancorp appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | HarborOne Bancorp | U.S. Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 19.98 | 11.58 | U.S. Bancorp |
| Price-to-Book Ratio | 0.91 | 1.38 | HarborOne Bancorp |
| Debt-to-Equity Ratio | 0.79 | 1.34 | HarborOne Bancorp |
| PEG Ratio | 1.80 | 0.80 | U.S. Bancorp |
| Profit Margin (TTM) | 16.00% | 27.00% | U.S. Bancorp |
| Operating Margin (TTM) | 29.63% | 37.33% | U.S. Bancorp |
| EBITDA Margin (TTM) | 29.63% | 37.33% | U.S. Bancorp |
| Return on Equity | 4.56% | 11.67% | U.S. Bancorp |
| Return on Assets (TTM) | 0.46% | 1.01% | U.S. Bancorp |
| Free Cash Flow (TTM) | $2.60M | $11.27B | U.S. Bancorp |
| Dividend Yield | 3.70% | 4.60% | U.S. Bancorp |
| 1-Year Return | 4.39% | 9.13% | U.S. Bancorp |
| Price-to-Sales Ratio (TTM) | 3.42 | 2.95 | U.S. Bancorp |
| Enterprise Value | $785.45M | $103.34B | U.S. Bancorp |
| EV/Revenue Ratio | 4.77 | 4.04 | U.S. Bancorp |
| Revenue per Share (TTM) | $4 | $16 | U.S. Bancorp |
| Earnings per Share (Diluted) | $0.65 | $4.18 | U.S. Bancorp |
| Beta (Stock Volatility) | 0.64 | 1.07 | HarborOne Bancorp |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
HarborOne Bancorp vs U.S. Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| HarborOne Bancorp | 2.65% | 3.67% | 11.61% | 22.29% | 26.28% | 15.81% |
| U.S. Bancorp | 1.21% | 1.80% | 8.89% | 16.04% | 18.76% | 4.91% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| HarborOne Bancorp | 4.39% | -3.35% | 74.16% | 89.78% | 89.78% | 89.78% |
| U.S. Bancorp | 9.13% | 19.21% | 42.80% | 20.49% | 124.05% | 72.60% |
News Based Sentiment: HarborOne Bancorp vs U.S. Bancorp
HarborOne Bancorp
News based Sentiment: POSITIVE
September was a positive month for HarborOne Bancorp, driven by strong analyst sentiment, continued progress on the Eastern Bankshares merger, and a dividend payout. While some institutional selling occurred, the overall narrative points to a company executing well and poised for growth, making it a compelling investment opportunity.
U.S. Bancorp
News based Sentiment: POSITIVE
September brought a positive dividend increase and a favorable analyst rating for U.S. Bancorp, signaling confidence in the company's financial health. While institutional investor activity was mixed, the overall narrative suggests a stable and moderately growing investment opportunity. The reduction in the stress capital buffer further enhances the bank's financial flexibility.
Performance & Financial Health Analysis: HarborOne Bancorp vs U.S. Bancorp
| Metric | HONE | USB |
|---|---|---|
| Market Information | ||
| Market Cap | $565.39M | $75.30B |
| Market Cap Category | Small cap | Large cap |
| 10 Day Avg. Volume | 186,550 | 9,536,290 |
| 90 Day Avg. Volume | 189,087 | 8,503,973 |
| Last Close | $13.55 | $50.21 |
| 52 Week Range | $8.89 - $13.73 | $35.18 - $53.98 |
| % from 52W High | -1.31% | -6.98% |
| All-Time High | $15.56 (Oct 31, 2022) | $63.57 (Jan 10, 2022) |
| % from All-Time High | -12.92% | -21.02% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.05% | 0.03% |
| Quarterly Earnings Growth | 0.10% | 0.13% |
| Financial Health | ||
| Profit Margin (TTM) | 0.16% | 0.27% |
| Operating Margin (TTM) | 0.30% | 0.37% |
| Return on Equity (TTM) | 0.05% | 0.12% |
| Debt to Equity (MRQ) | 0.79 | 1.34 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $14.32 | $35.02 |
| Cash per Share (MRQ) | $5.00 | $39.85 |
| Operating Cash Flow (TTM) | $46.78M | $7.48B |
| Levered Free Cash Flow (TTM) | $27.41M | $5.91B |
| Dividends | ||
| Last 12-Month Dividend Yield | 3.70% | 4.60% |
| Last 12-Month Dividend | $0.43 | $1.99 |
Valuation & Enterprise Metrics Analysis: HarborOne Bancorp vs U.S. Bancorp
| Metric | HONE | USB |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 19.98 | 11.58 |
| Forward P/E | 14.93 | 11.18 |
| PEG Ratio | 1.80 | 0.80 |
| Price to Sales (TTM) | 3.42 | 2.95 |
| Price to Book (MRQ) | 0.91 | 1.38 |
| Market Capitalization | ||
| Market Capitalization | $565.39M | $75.30B |
| Enterprise Value | $785.45M | $103.34B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 4.77 | 4.04 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.64 | 1.07 |
| Book Value per Share (MRQ) | $14.32 | $35.02 |
Financial Statements Comparison: HarborOne Bancorp vs U.S. Bancorp
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | HONE | USB |
|---|---|---|
| Revenue/Sales | $40.09M | $6.93B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $7.13M | $2.16B |
| Income Tax | $1.63M | $443.00M |
| Net Income (Profit) | $5.50M | $1.72B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | HONE | USB |
|---|---|---|
| Cash & Equivalents | $230.49M | $50.01B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $399.55M | $59.86B |
| Total Shareholders Equity | $575.97M | $60.56B |
| Retained Earnings | $375.71M | $77.69B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | HONE | USB |
|---|---|---|
| Operating Cash Flow | $24.70M | $-750.00M |
| Capital Expenditures | $-208,000 | N/A |
| Free Cash Flow | $23.15M | $-285.00M |
| Debt Repayment | $-60.01M | $-2.10B |
| Common Stock Repurchase | $-6.38M | $-160.00M |
Short Interest & Institutional Ownership Analysis
| Metric | HONE | USB |
|---|---|---|
| Shares Short | 580,269 | 22.06M |
| Short Ratio | 2.82 | 2.62 |
| Short % of Float | 0.02% | 0.01% |
| Average Daily Volume (10 Day) | 186,550 | 9,536,290 |
| Average Daily Volume (90 Day) | 189,087 | 8,503,973 |
| Shares Outstanding | 43.72M | 1.56B |
| Float Shares | 32.75M | 1.55B |
| % Held by Insiders | 0.13% | 0.00% |
| % Held by Institutions | 0.62% | 0.82% |
Dividend Analysis & Yield Comparison: HarborOne Bancorp vs U.S. Bancorp
| Metric | HONE | USB |
|---|---|---|
| Last 12-Month Dividend | $0.43 | $1.99 |
| Last 12-Month Dividend Yield | 3.70% | 4.60% |
| 3-Year Avg Annual Dividend | $0.34 | $1.78 |
| 3-Year Avg Dividend Yield | 0.71% | 1.19% |
| 3-Year Total Dividends | $1.01 | $5.35 |
| Ex-Dividend Date | Sep 03, 2025 | Mar 31, 2025 |