HarborOne Bancorp (NASDAQ:HONE) and Seacoast Banking Co. of Florida (NASDAQ:SBCF) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their earnings, institutional ownership, dividends, risk, valuation, profitability and analyst recommendations.

Valuation & Earnings

This table compares HarborOne Bancorp and Seacoast Banking Co. of Florida’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
HarborOne Bancorp $164.91 million 3.61 $11.39 million N/A N/A
Seacoast Banking Co. of Florida $291.42 million 4.26 $67.28 million $1.62 14.90

Seacoast Banking Co. of Florida has higher revenue and earnings than HarborOne Bancorp.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for HarborOne Bancorp and Seacoast Banking Co. of Florida, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
HarborOne Bancorp 0 1 1 0 2.50
Seacoast Banking Co. of Florida 0 3 2 0 2.40

HarborOne Bancorp presently has a consensus target price of $19.00, suggesting a potential upside of 4.05%. Seacoast Banking Co. of Florida has a consensus target price of $29.88, suggesting a potential upside of 23.81%. Given Seacoast Banking Co. of Florida’s higher possible upside, analysts clearly believe Seacoast Banking Co. of Florida is more favorable than HarborOne Bancorp.

Institutional and Insider Ownership

19.8% of HarborOne Bancorp shares are held by institutional investors. Comparatively, 83.9% of Seacoast Banking Co. of Florida shares are held by institutional investors. 3.3% of HarborOne Bancorp shares are held by insiders. Comparatively, 2.7% of Seacoast Banking Co. of Florida shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Risk & Volatility

HarborOne Bancorp has a beta of 0.57, meaning that its stock price is 43% less volatile than the S&P 500. Comparatively, Seacoast Banking Co. of Florida has a beta of 0.9, meaning that its stock price is 10% less volatile than the S&P 500.

Profitability

This table compares HarborOne Bancorp and Seacoast Banking Co. of Florida’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
HarborOne Bancorp 6.38% 3.96% 0.43%
Seacoast Banking Co. of Florida 23.29% 10.47% 1.32%

Summary

Seacoast Banking Co. of Florida beats HarborOne Bancorp on 10 of the 13 factors compared between the two stocks.

HarborOne Bancorp Company Profile

HarborOne Bancorp, Inc. operates as the holding company for HarborOne Bank that provides financial services to individuals, families, small and middle-market businesses, and municipalities throughout Southeastern New England. Its primary deposit products include checking, money market, savings, and term certificate of deposit accounts; and lending products comprise commercial real estate loans, commercial loans, construction loans, one- to four-family residential real estate loans, second mortgages and equity lines of credit, and auto and other consumer loans. The company, through its subsidiary, Merrimack Mortgage Company, LLC, also originates, sells, and services residential mortgage loans. As of December 31, 2017, it operated 14 full-service branches, 2 limited service branches, 1 commercial loan office, 1 lending office, and 13 free-standing ATMs. In addition, the company offers a range of educational services through ‘HarborOne U,' with classes on small business, financial literacy, and personal enrichment. HarborOne Bancorp, Inc. was founded in 1917 and is based in Brockton, Massachusetts. HarborOne Bancorp, Inc. is a subsidiary of Harborone Mutual Bancshares, Mhc.

Seacoast Banking Co. of Florida Company Profile

Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides financial services to retail and commercial customers in Florida. The company offers commercial and retail banking, wealth management, and treasury management services, as well as home mortgage products; and brokerage and annuity services. It operates through 51 traditional branches and 7 commercial banking centers. The company was founded in 1926 and is headquartered in Stuart, Florida.

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