HONE_OUT_1 [2025-04-28 06:52:13 -0400] 5189 Bytes | 1454 tokens | Cum: 1454 tkns (18.18% of 8k)
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We are in the 'Lightning Round' baby! It's 6:52 AM on Mon Apr 28, 2025, and I'm firing up the spotlight on HarborOne Bancorp (HONE), moving from $10.06 to $11.43. Is this a can’t-miss rocket or a one-hit wonder? Let’s dissect the numbers!

--- COMPANY PROFILE ---
Company: HarborOne Bancorp (HONE)
IPO: 2016-06-30 (8 Years Ago)
Market Cap: $401,050,026
Shares Outstanding: 43,310,000
Industry: STATE COMMERCIAL BANKS
Exchange: XNAS
Description: HarborOne Bancorp Inc is a bank holding company. The company is engaged in providing financial services like accepting deposits, lending loans, online and mobile banking, cash management, credit cards, money market accounts, and wealth management. The Company has two reportable segments: HarborOne Bank and HarborOne Mortgage. The bank provides financial services to individuals and businesses online and through its full-service branches located in Massachusetts and Rhode Island, one limited-service branch, and a commercial lending office in Boston, Massachusetts, and Providence, Rhode Island.

Here’s a list of headlines for HarborOne Bancorp:

Apr-26-25 12:20PM - China weighs U.S. tariff exemptions, Alphabet reports Q1 beat: Morning Buzz
Apr-24-25 05:45PM - HarborOne Bancorp (HONE) Lags Q1 Earnings and Revenue Estimates
Apr-24-25 05:45PM 04:48PM - Eastern Bankshares, Inc. and HarborOne Bancorp, Inc. Enter Into Definitive Agreement To Merge
Apr-24-25 05:45PM 04:30PM - HarborOne Bancorp, Inc. Announces 2025 First Quarter Results
Apr-13-25 06:57AM - Bank Buzz: Insider Buying And Share Repurchase Program Support Buy Rating For NB Bancorp
Apr-01-25 12:49PM - Is HarborOne Bancorp Inc. (HONE)The Best Small Cap Bank Stock To Invest In Now?
Mar-27-25 08:00AM - HarborOne Bancorp, Inc. Announces 12.5% Increase in First Quarter 2025 Dividend
Feb-11-25 04:05PM - HarborOne Bancorp, Inc. Announces 2025 Annual Meeting Information
Jan-30-25 08:21AM - HarborOne Bancorp, Inc. Announces 2024 Fourth Quarter Results
Dec-19-24 08:00AM - HarborOne Bancorp, Inc. Declares Fourth Quarter 2024 Dividend
Nov-22-24 12:17PM - HarborOne Banks Inez Friedman-Boyce named Women We Admires Top 50 Women Leaders in Banking
Oct-24-24 08:20AM - HarborOne Bancorp, Inc. Announces 2024 Third Quarter Results
Sep-30-24 08:00AM - HarborOne Bancorp, Inc. Declares Third Quarter 2024 Dividend
Jul-25-24 08:00AM - HarborOne Bancorp, Inc. Announces 2024 Second Quarter Results
Jul-10-24 05:01PM - HarborOne Bank and NeighborWorks Housing Solutions partner to Redevelop 68 Legion Parkway in Downtown Brockton
Jun-27-24 08:26AM - HarborOne Bancorp, Inc. Declares Second Quarter 2024 Dividend
Jun-26-24 09:39AM - HarborOne Bank announces ONECommunity Scholarship recipients.
May-29-24 04:51PM - HarborOne Bancorp, Inc. Announces Share Repurchase Program
Apr-25-24 01:53PM - HONE Stock Earnings: HarborOne Bancorp Beats EPS, Beats Revenue for Q1 2024
Apr-25-24 01:53PM 10:00AM - Compared to Estimates, HarborOne Bancorp (HONE) Q1 Earnings: A Look at Key Metrics
Apr-25-24 01:53PM 08:19AM - HarborOne Bancorp, Inc. Announces 2024 First Quarter Results
Apr-01-24 10:35AM - HarborOne Bancorp (HONE) Raises Quarterly Dividend by 6.7%

Here's another list of headlines with menu handles.
I will deliver the full text of the following stories when you say their handle.
Just say, for example, B1, B2, etc.

B1 - 2024-10-04T18:03:58Z - HarborOne Bancorp Forms 'Hammer Chart Pattern': Time for Bottom Fishing?
B2 - 2024-04-25T14:00:10Z - Compared to Estimates, HarborOne Bancorp (HONE) Q1 Earnings: A Look at Key Metrics
B3 - 2024-04-22T18:59:00Z - South Plains Financial (SPFI) Announces 7.7% Dividend Hike
B4 - 2024-04-02T12:37:00Z - Bank OZK (OZK) Announces 2.6% Increase in Quarterly Dividend
B5 - 2024-04-01T14:35:00Z - HarborOne Bancorp (HONE) Raises Quarterly Dividend by 6.7%
B6 - 2024-01-30T15:30:02Z - HarborOne Bancorp (HONE) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

==============
-> THE ROLE FOR AI:
==============

1) You are the **AI analyst-investigator**, and this interaction represents a full **due diligence session** for HarborOne Bancorp (HONE).
Due diligence includes financial data, insider trading, relevant news, and any SEC filings — and may extend beyond classic fundamentals.
Your task is to identify whether this stock has momentum and potential.

2) I am **ScanScor**, a unified report generator that archives this session as part of our real-time diligence record.

3) You will request information by referencing documents by their code.

4) As the analysis proceeds, your are encouraged to review documents until you feel confident in your judgment.
After seeing 3 sets of news articles, SEC docs, and financials, you'll be prompted to return some data pairs.

5) News articles, SEC filings, and key metrics will be revealed in subsequent prompts.

Stay focused. Gather evidence. Continue until your conclusions are clear.
Restrict all your responses to just 3 tokens until the summary and data pairs at the end.

NEXT: Request a document with its reference code(s), such as:
- `B1`, `B2`, `B3`, etc.
- To load a new set of information and menu options, reply with: `NEX`

HONE_OUT_3 [2025-04-28 06:52:14 -0400] 774 Bytes | 212 tokens | Cum: 1668 tkns (20.85% of 8k)
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Showing B2 (chunk 1 of 1): B2:
**Compared to Estimates, HarborOne Bancorp (HONE) Q1 Earnings: A Look at Key Metrics**Date: Unknown DateSource: Unknown SourceURL: https://www.zacks.com/stock/news/2262277/compared-to-estimates-harborone-bancorp-hone-q1-earnings-a-look-at-key-metricsThe headline numbers for HarborOne Bancorp (HONE) give insight into how the company performed in the quarter ended March 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.

Respond with ONLY ONE of the following (3 characters max):
- `MOR` to continue this item
- `NEX` to move to the next set of documents
- `C2`, `S3`, etc. to request another document
**DO NOT SUMMARIZE. DO NOT EXPLAIN.** Wait until all data is presented.

HONE_OUT_5 [2025-04-28 06:52:15 -0400] 908 Bytes | 277 tokens | Cum: 1947 tkns (24.34% of 8k)
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We present this news so you can catch the big movers from recently breaking news.
Here's a list of news articles you can literally read just by asking.
Usually the first item is the most important.

A1 - 2025-04-26T06:36:48Z - Q1 2025 Eastern Bankshares Inc Earnings Call...
A2 - 2025-04-26T06:36:48Z - Q1 2025 Eastern Bankshares Inc Earnings Call...
A3 - 2025-04-26T00:34:00Z - $HAREHOLDER ALERT: The M&A Class Action Firm Investigates the Merger of HarborOne Bancorp - HONE...
A4 - 2025-04-26T01:07:43Z - $HAREHOLDER ALERT: The M&A Class Action Firm Investigates the Merger of HarborOne Bancorp - HONE...
A5 - 2025-04-25T21:42:42Z - ALERT: Rowley Law PLLC is Investigating Proposed Acquisition of HarborOne Bancorp, Inc....

Request an article by its reference number. (Ex., "A1" gets the first item)
You may also say NEX to go to the next listing.
Response to this prompt limited to 3 chars.

HONE_OUT_7 [2025-04-28 06:52:15 -0400] 404 Bytes | 107 tokens | Cum: 2056 tkns (25.70% of 8k)
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Showing A1 (chunk 1 of 1):

[INFO] Your document request exceeded 20000 characters. If you need more, please request additional documents separately.

Respond with ONLY ONE of the following (3 characters max):
- `MOR` to continue this item
- `NEX` to move to the next set of documents
- `C2`, `S3`, etc. to request another document
**DO NOT SUMMARIZE. DO NOT EXPLAIN.** Wait until all data is presented.

HONE_OUT_9 [2025-04-28 06:52:16 -0400] 1120 Bytes | 320 tokens | Cum: 2378 tkns (29.73% of 8k)
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This is our list of SEC filings.
If empty, the search returned no recent filings.

S1 - 2025-04-24 8-K Item 2.02

Results of Oper and Fin Cond

On April 24, 2025, HarborOne Bancorp, Inc. (the Company), the holding company for HarborOne Bank, issued a press release announcing its financial results for the quarter ended March 31, 2025. The Companys press release i...

S2 - 2025-04-24 8-K Item1.01 Entry into Material Definitive Agrmt.

On April 24, 2025, HarborOne Bancorp, Inc. (HarborOne), HarborOne Bank, a wholly owned subsidiary of HarborOne (HarborOne Bank), Eastern Bankshares, Inc. (Eastern), and Eastern Bank, a wholly owned subsidiary of Eastern (Easter...

S3 - 2025-03-27 8-K Item 9.01 Fin Stmnts and Exhibits

(d) Exhibits

Number

Description

99.1

Press release dated March 27, 2025

Cover Page Interactive Data File (formatted as inline XBRL)

EXHIBIT

Number

Description

99.1

Press release dated March 27, 2025

Cover Page Int...

Request filing by its reference number. (Ex., "S1" gets the first item)
You can say NEX to go to the next listing.
Response limited to 3 chars.

HONE_OUT_11 [2025-04-28 06:52:16 -0400] 908 Bytes | 233 tokens | Cum: 2613 tkns (32.66% of 8k)
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Showing S1 (chunk 1 of 1): S1:
Item 2.02

Results of Operations and Financial Condition

On April 24, 2025, HarborOne Bancorp, Inc. (the Company), the holding company for HarborOne Bank, issued a press release announcing its financial results for the quarter ended March 31, 2025. The Companys press release is included as Exhibit 99.1 to this report.

The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be furnished and shall not be deemed to be filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the Exchange Act), or otherwise subject to the liabilities of that Section....

Respond with ONLY ONE of the following (3 characters max):
- `MOR` to continue this item
- `NEX` to move to the next set of documents
- `C2`, `S3`, etc. to request another document
**DO NOT SUMMARIZE. DO NOT EXPLAIN.** Wait until all data is presented.

HONE_OUT_13 [2025-04-28 06:52:24 -0400] 8191 Bytes | 2401 tokens | Cum: 5016 tkns (62.70% of 8k)
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This is our set of metrics for HarborOne Bancorp.
Please analyze the numbers.

+---------------------+----------------------+-------------------------+------------------------+
| Volume: 2,550,706 | Perf Month: 6.30% | Option/Short: Yes / Yes | Sales Y/Y TTM: 5.42% |
+---------------------+----------------------+-------------------------+------------------------+
| Avg Volume: 250.66K | Perf Quarter: -5.91% | Short Float: 1.12% | ROE: 4.44% |
+---------------------+----------------------+-------------------------+------------------------+
| Rel Volume: 11.94 | Index: RUT | Short Ratio: 1.69 | ROI: 2.62% |
+---------------------+----------------------+-------------------------+------------------------+
| RSI (14): 67.76 | Market Cap: 489.40M | Short Interest: 0.42M | Sales Surprise: -3.52% |
+---------------------+----------------------+-------------------------+------------------------+
| ATR (14): 0.50 | Shs Outstand: 43.41M | Beta: 0.61 | EPS Surprise: -17.65% |
+---------------------+----------------------+-------------------------+------------------------+
| SMA20: 15.51% | Shs Float: 37.81M | Sales Q/Q: -4.18% | P/E: 18.13 |
+---------------------+----------------------+-------------------------+------------------------+
| SMA50: 6.71% | Inst Own: 58.79% | Sales past 5Y: 15.21% | Earnings: Apr 24 AMC |
+---------------------+----------------------+-------------------------+------------------------+
| SMA200: -6.05% | Insider Own: 12.70% | Employees: 535 | |
+---------------------+----------------------+-------------------------+------------------------+
| Perf Week: 20.47% | Insider Trans: 0.00% | Debt/Eq: 0.69 | |
+---------------------+----------------------+-------------------------+------------------------+

The next section covers any insider trading by HarborOne Bancorp officers or majority shareholders (if available).

Inside Trans: HarborOne Bancorp, Inc. (HONE) by CASEY JOSEPH F (President and CEO) on 2025-02-28
- Common Stock: 1224 shares at $11.5 (D)
- Common Stock: 1432 shares at $11.5 (D)
- Common Stock: 1008 shares at $11.5 (D)
- Common Stock: 524 shares at $11.5 (D)
- Common Stock: 2182 shares at $11.5 (D)
- Common Stock: 641 shares at $11.5 (D)
- Common Stock: 1133 shares at $11.5 (D)
- Common Stock: 333 shares at $11.5 (D)
- Common Stock: 16178 shares at $0 (D)

Inside Trans: HarborOne Bancorp, Inc. (HONE) by McQuade Joseph E. (EVP, CER Officer) on 2025-02-28
- Common Stock: 322 shares at $11.5 (D)
- Common Stock: 511 shares at $11.5 (D)
- Common Stock: 282 shares at $11.5 (D)
- Common Stock: 610 shares at $11.5 (D)
- Common Stock: 212 shares at $11.5 (D)
- Common Stock: 4885 shares at $0 (D)

Inside Trans: HarborOne Bancorp, Inc. (HONE) by Tryder David E. (SVP, Chief Marketing Officer) on 2025-02-28
- Common Stock: 274 shares at $11.5 (D)
- Common Stock: 321 shares at $11.5 (D)
- Common Stock: 248 shares at $11.5 (D)
- Common Stock: 535 shares at $11.5 (D)
- Common Stock: 186 shares at $11.5 (D)
- Common Stock: 2977 shares at $0 (D)

Inside Trans: HarborOne Bancorp, Inc. (HONE) by Diepold Brenda Carolyn (EVP, Chief Banking Officer) on 2025-02-28
- Common Stock: 419 shares at $11.5 (D)
- Common Stock: 490 shares at $11.5 (D)
- Common Stock: 375 shares at $11.5 (D)
- Common Stock: 810 shares at $11.5 (D)
- Common Stock: 281 shares at $11.5 (D)
- Common Stock: 4638 shares at $0 (D)

Inside Trans: HarborOne Bancorp, Inc. (HONE) by Friedman-Boyce Inez (EVP, Chief Legal Officer) on 2025-02-28
- Common Stock: 454 shares at $11.5 (D)
- Common Stock: 531 shares at $11.5 (D)
- Common Stock: 293 shares at $11.5 (D)
- Common Stock: 634 shares at $11.5 (D)
- Common Stock: 220 shares at $11.5 (D)
- Common Stock: 5076 shares at $0 (D)

Inside Trans: HarborOne Bancorp, Inc. (HONE) by Sanborn H. Scott (EVP, Chief Lending Officer) on 2025-02-28
- Common Stock: 530 shares at $11.5 (D)
- Common Stock: 620 shares at $11.5 (D)
- Common Stock: 479 shares at $11.5 (D)
- Common Stock: 1036 shares at $11.5 (D)
- Common Stock: 359 shares at $11.5 (D)
- Common Stock: 5762 shares at $0 (D)

[Company Financial Summary]
[Company Details]
Name: N/A
Market Cap: N/A
Shares Outstanding: N/A
Sector: N/A

[Financial Statements - Latest Quarter]
Total Assets: N/A
Total Liabilities: N/A
Total Equity: N/A
Revenue (Quarter): {'value': 271408000.0, 'unit': 'USD', 'label': 'Revenues', 'order': 100}
Net Income: {'value': 27407000.0, 'unit': 'USD', 'label': 'Net Income/Loss', 'order': 3200}
Earnings Per Share (EPS): N/A

[Price Metrics - Last 30 Days]
Latest Close: 11.3
Average Volume: 382236.11
30-Day High: 11.3
30-Day Low: 9.06

[Detailed Financials: TTM 2024]
- Total Assets: $5,753,133,000.00
- Total Liabilities: $5,178,122,000.00
- Total Equity: $575,011,000.00
- Current Assets: $5,753,133,000.00
- Current Liabilities: $5,178,122,000.00

[Income Statement: TTM 2024]
- Revenue: $271,408,000.00
- Net Income: $27,407,000.00
- Gross Profit: N/A
- Operating Income: $34,257,000.00
- Earnings Per Share (EPS): 0.66

[Cash Flow Statement: TTM 2024]
- Net Cash Flow: $3,721,000.00

[Detailed Financials: FY 2024]
- Total Assets: $5,753,133,000.00
- Total Liabilities: $5,178,122,000.00
- Total Equity: $575,011,000.00
- Current Assets: $5,753,133,000.00
- Current Liabilities: $5,178,122,000.00

[Income Statement: FY 2024]
- Revenue: $271,408,000.00
- Net Income: $27,407,000.00
- Gross Profit: N/A
- Operating Income: $34,257,000.00
- Earnings Per Share (EPS): 0.66

[Cash Flow Statement: FY 2024]
- Net Cash Flow: $3,721,000.00
==== END OF FINANCIAL REPORT ====

You are now requested to write a summary analysis of HarborOne Bancorp (HONE).

Please complete the report using the exact format:
FIELD[value]

1) BRIEF_SUMMARY[]
One well-worded paragraph summarizing your findings about HarborOne Bancorp.

2) MARKET_SCORE[]
This conversation was initiated because HONE is currently experiencing upward price and volume movement.
Estimate a number between 1–100 based on the likelihood of a continued upward price move for HONE.
Weigh relevant data — news, filings, fundamentals, and metrics — and assign appropriate weight.

3) PRICE_TARGET[]
Suggest a price, based on all prior evidence and past price behavior, HONE could reach in the current or upcoming trading sessions (1–5 days).
For example, if you expect HONE to increase 50% from its current price of $0.00, say: PRICE_TARGET[0.0]

4) AI_RPT_HEADLINE[]
Write a thought-provoking 8–12 word headline summarizing this report.

5) SQUEEZE_POTENTIAL[]
Give a score from 1 to 100 representing the potential for this stock to become an active short squeeze play.
Be honest and unbiased. Consider short interest/float, price movement, volume, news strength, and volatility potential.

6) TAGS[]
List 3–6 comma-separated tags (e.g., biotech, earnings beat, squeeze setup)

7) STOCK_TYPE[]
Choose the most accurate classification: growth, value, turnaround, hype, squeeze, dividend, speculative, or other.

8) PRIMARY_CATALYST[]
e.g., earnings report, FDA approval, partnership, etc.

9) SENTIMENT[]
bullish, bearish, neutral, or mixed

10) IMPROVEMENT_SUGGESTION[]
If you believe some key info was missing, state what would have significantly improved your analysis of HarborOne Bancorp.

11) ETHICAL_RATING[]
Rate HarborOne Bancorp’s alignment with long-term shareholder interests, using a letter grade from A (high alignment) to F (low alignment).
Base this on actions such as insider buying/selling, share dilution, follow-through on public statements, and compensation practices.

12) UPCOMING_CATALYST[]
Specify any upcoming events you expect would be a catalyst affecting the share-price of HarborOne Bancorp.
Provide any reasons you can use to support it.

Return only: FIELD[value] for each of the above 12 questions.
Respond with all data pairs. Take your best guess if you have to, but don't leave blank items.
Do not explain your answers. Return only the required fields in the exact format shown.

Finally, thank you for participating!

HONE_IN_15 [2025-04-28 06:52:24 -0400] 126 Bytes | 29 tokens | Cum: 5257 tkns (65.71% of 8k)
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[2025-04-28 06:52:24] # Analysis Completed
Elapsed Time: 11.31 seconds