Market cap
$522 Mln
Revenue (TTM)
$308 Mln
P/E Ratio
18.6
P/B Ratio
0.9
Div. Yield
2.8 %
| HarborOne Bancorp (HONE) | Provident Bancorp Inc. (MD) (PVBC) | Mid-Southern Bancorp (MSVB) | |
|---|---|---|---|
Market cap ($ Mln) |
522 | 240 | 51 |
Revenue ($ Mln) |
308 | 92 | -2 |
Net Profit ($ Mln) |
26.37 | 12.55 | 10.12 |
Net Margin (%) |
8.56 | 13.70 | -449.96 |
RoE (%) |
4.57 | 5.28 | 54.90 |
Price to Earnings |
18.62 | 18.24 | 27.22 |
Price-To-Book |
0.90 | 1.00 | 1.23 |
Income Statement ($ Mln)
| HarborOne Bancorp (HONE) | Provident Bancorp Inc. (MD) (PVBC) | Mid-Southern Bancorp (MSVB) | |
|---|---|---|---|
|
Operating Revenue
|
308.19 | 91.57 | -2.25 |
|
Cost of Revenue
|
148.14 | 30.71 | -5.90 |
|
Gross Profit
|
159.67 | 54.27 | -2.16 |
|
Operating Expenses
|
127.29 | 43.84 | 4.66 |
|
Operating Profit (EBIT)
|
32.76 | 17.03 | -11.28 |
|
Other Income
|
0.00 | 0.00 | 0.00 |
|
Profit before Tax
|
32.76 | 17.03 | 13.84 |
|
Provision for Tax
|
6.39 | 4.48 | 3.71 |
|
Profit after Tax (Net Income)
|
26.37 | 12.55 | 10.12 |
|
Minority Interest
|
0.00 | 0.00 | 0.00 |
|
Consolidated Profit
|
0.00 | 0.00 | 0.00 |
Liabilities ($ Mln)
| HarborOne Bancorp (HONE) | Provident Bancorp Inc. (MD) (PVBC) | Mid-Southern Bancorp (MSVB) | |
|---|---|---|---|
|
Shareholder's Funds
|
580.15 | 241.03 | 0.00 |
|
Minority Interest
|
0.00 | 0.00 | 0.00 |
|
Non-Current Liabilities
|
530.06 | 15.20 | 0.00 |
|
Current Liabilities
|
4,498.87 | 1,235.39 | 0.00 |
|
Total Liabilities
|
5,753.13 | 1,593.17 | 226.15 |
Assets ($ Mln)
| HarborOne Bancorp (HONE) | Provident Bancorp Inc. (MD) (PVBC) | Mid-Southern Bancorp (MSVB) | |
|---|---|---|---|
|
Non-Current Assets
|
5,141.07 | 1,339.89 | 0.00 |
|
Current Assets
|
468.01 | 151.73 | 0.00 |
|
Total Assets
|
5,753.13 | 1,593.17 | 226.15 |
|
Total Debt*
|
439.65 | 13.36 | 0.00 |
|
Net Current Assets
|
0.00 | 0.00 | 0.00 |
Cashflow ($ Mln)
| HarborOne Bancorp (HONE) | Provident Bancorp Inc. (MD) (PVBC) | Mid-Southern Bancorp (MSVB) | |
|---|---|---|---|
|
Cash From Operating Activities
|
3.84 | 11.90 | 1.54 |
|
Cash Flow from Investing Activities
|
-76.70 | 19.38 | 102.72 |
|
Cash from Financing Activities
|
76.58 | -82.47 | -43.31 |
|
Net Cash Inflow / Outflow
|
-- | -- | -- |
Ratios
Profitability Ratios
| HarborOne Bancorp (HONE) | Provident Bancorp Inc. (MD) (PVBC) | Mid-Southern Bancorp (MSVB) | |
|---|---|---|---|
|
ROCE (%)
|
2.44 | 2.38 | -14.10 |
|
ROE (%)
|
4.57 | 5.28 | 54.90 |
|
ROA (%)
|
0.43 | 0.72 | 8.02 |
|
EBIT Margin (%)
|
10.63 | 18.60 | 0.00 |
|
Net Margin (%)
|
8.56 | 13.70 | -449.96 |
|
Cash Profit Margin (%)
|
0.00 | 0.00 | -- |
Growth Ratios
| HarborOne Bancorp (HONE) | Provident Bancorp Inc. (MD) (PVBC) | Mid-Southern Bancorp (MSVB) | |
|---|---|---|---|
|
Revenue Growth (%)
|
2.01 | -3.49 | -123.37 |
|
EBIT Growth (%)
|
31.51 | 145.02 | -- |
|
Net Profit Growth (%)
|
65.87 | 136.14 | 834.81 |
|
EPS Growth (%)
|
71.71 | 133.42 | 866.69 |
|
Book Value Growth (%)
|
3.00 | 5.50 | -- |
Valuation Ratios
| HarborOne Bancorp (HONE) | Provident Bancorp Inc. (MD) (PVBC) | Mid-Southern Bancorp (MSVB) | |
|---|---|---|---|
|
Price / Earnings
|
17.72 | 26.44 | -- |
|
Price / Book Value
|
0.84 | 0.83 | -- |
|
Dividend Yield (%)
|
-- | -- | -- |
|
EV/EBITDA
|
13.09 | -6.70 | -- |
|
Market Cap ($ Cr)
|
-- | -- | -- |
Solvency Ratios
| HarborOne Bancorp (HONE) | Provident Bancorp Inc. (MD) (PVBC) | Mid-Southern Bancorp (MSVB) | |
|---|---|---|---|
|
Debt to Equity
|
0.76 | 0.02 | -- |
|
Short term debt to equity ratio
|
0.00 | 0.01 | -- |
|
Current Ratio
|
0.10 | 0.12 | 0.93 |
|
Quick Ratio
|
0.10 | 0.12 | -- |
|
Interest Coverage
|
1.24 | 1.51 | 355.77 |
Operating Efficiency Ratios
| HarborOne Bancorp (HONE) | Provident Bancorp Inc. (MD) (PVBC) | Mid-Southern Bancorp (MSVB) | |
|---|---|---|---|
|
Debtors to sales (%)
|
5.45 | 4.60 | 0.00 |
|
Asset Turnover
|
0.05 | 0.05 | -0.02 |
|
Receivable days
|
21.29 | 22.06 | -- |
|
Inventory Days
|
49.10 | 147.22 | -- |
|
Payable days
|
14.02 | -- | -- |
|
Cash Conversion Cycle
|
56.37 | -- | -- |