HONE vs SFST

Comparison between HarborOne Bancorp Inc (HONE, Company) and Southern First Bancshares Inc (SFST, Company).

Both HONE and SFST are from the Financial Services sector.

5-Year PerformanceSFST has outperformed HONE, delivering a return of +1.7% compared to -1.7%

HONE vs SFST - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	HONE(COMPANY)	SFST(COMPANY)
Market Cap	$521M	$522M
Max Drawdown	49.48%	81.00%
Sharpe Ratio	0.58	1.65
5Y Beta	0.79	0.84
Industry	Banks - Regional	Banks - Regional
P/E Ratio	19.97	14.84
Forward P/E	14.99	18.62
PEG Ratio	0.28	0.16
Dividend Yield	2.76%	N/A
5Y Dividends CAGR	70.32%	N/A
5Y EPS CAGR	5.30%	5.13%
Debt to Equity	109.57%	0.00%
Free Cash Flow Yield	8.74%	6.31%
P/S Ratio	3.17	4.48
P/B Ratio	0.90	1.44

Market Cap

HONE

$521M

Winner

SFST

$522M

Max Drawdown

Winner

HONE

49.48%

SFST

81.00%

Sharpe Ratio

HONE

0.58

Winner

SFST

1.65

5Y Beta

Winner

HONE

0.79

SFST

0.84

Industry

HONE

Banks - Regional

SFST

Banks - Regional

P/E Ratio

HONE

19.97

Winner

SFST

14.84

Forward P/E

Winner

HONE

14.99

SFST

18.62

PEG Ratio

HONE

0.28

Winner

SFST

0.16

Dividend Yield

HONE

2.76%

SFST

N/A

5Y Dividends CAGR

HONE

70.32%

SFST

N/A

5Y EPS CAGR

Winner

HONE

5.30%

SFST

5.13%

Debt to Equity

HONE

109.57%

Winner

SFST

0.00%

Free Cash Flow Yield

Winner

HONE

8.74%

SFST

6.31%

P/S Ratio

Winner

HONE

3.17

SFST

4.48

P/B Ratio

Winner

HONE

0.90

SFST

1.44

HONE vs SFST - Historical Returns

Returns include dividend reinvestment.

Period	HONE	SFST
1 month	+0.00%	+3.93%
3 months	+0.00%	+9.73%
6 months	+0.00%	+13.01%
1 year	+10.09%	+69.70%
5 years(CAGR)	-1.75%	+1.69%
10 years(CAGR)	+6.70%	+8.64%
Max(CAGR)	+6.70%	+11.14%

HONE

+0.00%

Winner

SFST

+3.93%

HONE

+0.00%

Winner

SFST

+9.73%

HONE

+0.00%

Winner

SFST

+13.01%

HONE

+10.09%

Winner

SFST

+69.70%

5Y(CAGR)

HONE

-1.75%

Winner

SFST

+1.69%

10Y(CAGR)

HONE

+6.70%

Winner

SFST

+8.64%

Max(CAGR)

HONE

+6.70%

Winner

SFST

+11.14%

HONE vs SFST - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	HONE	SFST
2026	+0.00%	+14.06%
2025	+5.90%	+35.40%
2024	+0.12%	+7.96%
2023	-12.18%	-17.65%
2022	-4.61%	-28.73%
2021	+38.76%	+77.58%
2020	-0.15%	-16.45%
2019	+22.68%	+30.86%
2018	-16.41%	-21.78%
2017	-2.19%	+15.38%
2016	+49.69%	+58.59%
2015	N/A	+28.51%
2014	N/A	+28.45%
2013	N/A	+70.58%
2012	N/A	+55.21%
2011	N/A	+15.97%
2010	N/A	+13.72%
2009	N/A	-18.01%
2008	N/A	-31.34%
2007	N/A	-36.40%
2006	N/A	-4.58%
2005	N/A	+25.63%
2004	N/A	+8.94%
2003	N/A	+110.12%
2002	N/A	+13.22%
2001	N/A	+27.89%
2000	N/A	+1.37%
1999	N/A	-8.48%

HONE vs SFST Drawdown Comparison

The maximum drawdown for HONE was -48.57%, occurring on May 16, 2023. Recovery took 739 trading sessions.

The maximum drawdown for SFST was -79.10%, occurring on Mar 6, 2009. Recovery took 1914 trading sessions.

The current HONE drawdown is -14.37%. The current SFST drawdown is -9.30%.

Rank	HONE	SFST
#1	-48.57% Nov 1, 2022 - Oct 14, 2025	-79.10% Dec 15, 2005 - Jul 26, 2013
#2	-46.60% Jun 9, 2017 - Feb 24, 2021	-67.19% Jan 7, 2022 - May 4, 2023
#3	-14.59% Jun 8, 2021 - Jan 6, 2022	-55.24% Jun 4, 2018 - Mar 8, 2021
#4	-14.37% Oct 14, 2025 - Oct 31, 2025	-43.06% Apr 23, 2002 - Sep 8, 2003
#5	-14.24% Jan 7, 2022 - Oct 28, 2022	-33.33% Nov 5, 1999 - Aug 4, 2000
#6	-9.31% Dec 27, 2016 - Apr 25, 2017	-24.44% Jan 29, 2004 - Oct 27, 2005
#7	-9.05% Apr 26, 2017 - Jun 9, 2017	-22.73% Aug 4, 2000 - Jun 7, 2001
#8	-8.80% Apr 19, 2021 - Jun 7, 2021	-15.20% Mar 12, 2021 - May 21, 2021
#9	-5.99% Mar 12, 2021 - Apr 19, 2021	-14.65% Jan 26, 2017 - Jul 3, 2017
#10	-5.20% Nov 25, 2016 - Dec 8, 2016	-14.38% Jun 13, 2001 - Jan 18, 2002
#11	-4.72% Sep 7, 2016 - Sep 19, 2016	-12.50% Nov 20, 2003 - Jan 6, 2004
#12	-3.93% Dec 9, 2016 - Dec 20, 2016	-12.50% Jan 18, 2002 - Apr 23, 2002
#13	-3.76% Oct 6, 2016 - Oct 21, 2016	-12.02% Jun 8, 2021 - Nov 3, 2021
#14	-3.16% Feb 24, 2021 - Mar 1, 2021	-10.99% Sep 8, 2016 - Nov 10, 2016
#15	-2.24% Aug 9, 2016 - Aug 26, 2016	-10.74% Oct 30, 2015 - Jan 6, 2016