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HarborOne Bancorp (HONE) Financials

HarborOne Bancorp logo
$11.25 -0.05 (-0.44%)
Closing price 05/23/2025 04:00 PM Eastern
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$11.25 0.00 (0.00%)
As of 05/23/2025 04:04 PM Eastern
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Annual Income Statements for HarborOne Bancorp

Annual Income Statements for HarborOne Bancorp

This table shows HarborOne Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021
Net Income / (Loss) Attributable to Common Shareholders		 27 16 46 43
Consolidated Net Income / (Loss)		 27 16 46 59
Net Income / (Loss) Continuing Operations		 27 16 46 43
Total Pre-Tax Income 		34 25 62 80
Total Revenue		 173 169 206 216
Net Interest Income / (Expense)		 126 127 149 270
Total Interest Income		 271 244 172 144
Loans and Leases Interest Income		 249 227 164 139
Investment Securities Interest Income		 8.15 8.12 7.59 4.21
Other Interest Income		 14 8.92 0.69 0.52
Total Interest Expense		 146 117 23 13
Deposits Interest Expense		 114 88 16 8.72
Long-Term Debt Interest Expense		 0.00 2.78 2.10 2.10
Federal Funds Purchased and Securities Sold Interest Expense		 32 26 5.22 1.71
Total Non-Interest Income		 47 42 57 101
Service Charges on Deposit Accounts		 22 21 20 18
Other Service Charges		 12 13 14 2.82
Net Realized & Unrealized Capital Gains on Investments		 9.92 5.72 21 62
Other Non-Interest Income		 3.05 2.75 1.98 2.40
Provision for Credit Losses		 8.28 5.68 5.66 -7.26
Total Non-Interest Expense		 130 138 139 159
Salaries and Employee Benefits		 74 74 83 102
Net Occupancy & Equipment Expense		 29 29 29 29
Marketing Expense		 3.33 3.71 3.92 3.64
Property & Liability Insurance Claims		 4.35 3.49 1.45 1.34
Other Operating Expenses		 20 18 21 22
Impairment Charge		 0.00 11 0.00 0.00
Income Tax Expense		 6.85 9.05 16 22
Basic Earnings per Share		 $0.66 $0.37 $0.98 $1.15
Weighted Average Basic Shares Outstanding		 41.22M 43.22M 46.48M 50.75M
Diluted Earnings per Share		 $0.66 $0.37 $0.97 $1.14
Weighted Average Diluted Shares Outstanding		 41.47M 43.42M 47.12M 51.52M
Weighted Average Basic & Diluted Shares Outstanding		 43.50M 45.24M 48.28M 51.37M
Cash Dividends to Common per Share		 $0.32 $0.30 $0.28 $0.20

Quarterly Income Statements for HarborOne Bancorp

This table shows HarborOne Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 -0.45 9.22 12 6.63 -15 11 11 9.37 5.20 18
Consolidated Net Income / (Loss)		 -1.12 9.22 12 7.30 -13 11 11 7.30 9.58 14
Net Income / (Loss) Continuing Operations		 -0.45 9.22 12 6.63 -15 11 11 9.37 5.20 18
Total Pre-Tax Income 		11 4.29 9.51 9.74 -5.26 11 9.75 9.71 12 18
Total Revenue		 42 46 46 39 34 44 47 44 46 58
Net Interest Income / (Expense)		 1.08 32 31 61 -2.84 31 32 67 39 39
Total Interest Income		 68 69 68 67 64 63 61 56 52 45
Loans and Leases Interest Income		 63 64 62 60 60 58 56 53 50 42
Investment Securities Interest Income		 2.00 1.97 2.12 2.07 2.00 2.00 2.04 2.08 2.05 1.97
Other Interest Income		 2.59 2.93 3.97 4.66 2.52 2.67 2.94 0.80 0.36 0.14
Total Interest Expense		 52 30 27 36 49 26 21 22 13 5.22
Deposits Interest Expense		 30 30 27 27 27 25 20 16 8.50 3.49
Total Non-Interest Income		 14 11 12 11 8.90 12 13 8.69 9.90 14
Service Charges on Deposit Accounts		 6.02 5.37 5.22 4.98 5.80 5.13 5.01 4.73 5.42 4.87
Other Service Charges		 10 0.80 0.63 0.52 10 0.69 0.96 0.59 7.03 3.25
Net Realized & Unrealized Capital Gains on Investments		 8.95 0.00 -1.04 2.01 3.50 0.00 0.00 2.22 -6.51 10
Other Non-Interest Income		 0.82 0.78 0.76 0.69 -0.49 0.53 0.51 2.19 0.50 0.50
Provision for Credit Losses		 1.93 5.90 0.62 -0.17 0.64 -0.11 3.28 1.87 2.11 0.67
Total Non-Interest Expense		 33 32 33 32 43 32 32 32 35 34
Salaries and Employee Benefits		 19 19 19 18 19 19 18 18 20 21
Net Occupancy & Equipment Expense		 7.10 7.34 7.01 7.26 7.14 6.98 7.04 7.39 7.29 7.14
Marketing Expense		 0.60 0.55 1.37 0.82 0.81 0.79 0.93 1.18 0.86 0.85
Other Operating Expenses		 7.31 4.08 4.06 4.18 5.89 3.86 4.04 4.12 5.86 5.49
Income Tax Expense		 1.83 0.37 2.21 2.44 1.85 2.51 2.28 2.42 2.76 4.68
Basic Earnings per Share		 $0.21 $0.10 $0.18 $0.17 ($0.16) $0.20 $0.17 $0.16 $0.21 $0.30
Weighted Average Basic Shares Outstanding		 41.22M 40.98M 41.29M 41.91M 43.22M 42.88M 43.06M 44.86M 46.48M 45.83M
Diluted Earnings per Share		 $0.21 $0.10 $0.18 $0.17 ($0.16) $0.20 $0.17 $0.16 $0.21 $0.30
Weighted Average Diluted Shares Outstanding		 41.47M 41.34M 41.37M 42.13M 43.42M 42.98M 43.13M 45.28M 47.12M 46.42M
Weighted Average Basic & Diluted Shares Outstanding		 43.50M 44.05M 44.41M 44.68M 45.24M 45.77M 46.55M 46.59M 48.28M 49.19M

Annual Cash Flow Statements for HarborOne Bancorp

This table details how cash moves in and out of HarborOne Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021
Net Change in Cash & Equivalents		 3.72 129 -97 -11
Net Cash From Operating Activities		 3.84 54 69 224
Net Cash From Continuing Operating Activities		 3.84 54 69 224
Net Income / (Loss) Continuing Operations		 27 16 46 59
Consolidated Net Income / (Loss)		 27 16 46 59
Provision For Loan Losses		 8.28 5.68 5.66 -7.26
Depreciation Expense		 3.73 3.84 3.92 4.41
Amortization Expense		 0.72 1.72 1.56 2.49
Non-Cash Adjustments to Reconcile Net Income		 -20 11 24 157
Changes in Operating Assets and Liabilities, net		 -16 16 -11 9.61
Net Cash From Investing Activities		 -77 -197 -952 -241
Net Cash From Continuing Investing Activities		 -77 -197 -952 -241
Purchase of Property, Leasehold Improvements and Equipment		 -1.24 -4.48 -2.27 -6.46
Purchase of Investment Securities		 -118 -208 -922 -400
Sale of Property, Leasehold Improvements and Equipment		 1.48 0.87 0.69 0.00
Sale and/or Maturity of Investments		 41 15 30 192
Other Investing Activities, net		 0.00 0.00 -58 -27
Net Cash From Financing Activities		 77 273 786 5.61
Net Cash From Continuing Financing Activities		 77 273 786 5.61
Net Change in Deposits		 163 198 507 176
Issuance of Debt		 428 325 0.00 3.40
Repayment of Debt		 -479 -192 345 -97
Repurchase of Common Equity		 -22 -45 -63 -69
Payment of Dividends		 -13 -13 -12 -9.20
Other Financing Activities, Net		 -0.20 -0.02 9.44 1.37
Cash Income Taxes Paid		 9.84 11 12 21

Quarterly Cash Flow Statements for HarborOne Bancorp

This table details how cash moves in and out of HarborOne Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 6.79 -11 -158 166 -19 -6.07 3.10 152 12 1.62
Net Cash From Operating Activities		 3.49 25 -40 15 -16 28 32 9.67 16 32
Net Cash From Continuing Operating Activities		 3.49 25 -40 15 -16 28 32 9.67 16 32
Net Income / (Loss) Continuing Operations		 8.89 3.92 7.30 7.30 -7.11 8.41 7.48 7.30 9.58 14
Consolidated Net Income / (Loss)		 8.89 3.92 7.30 7.30 -7.11 8.41 7.48 7.30 9.58 14
Provision For Loan Losses		 1.93 5.90 0.62 -0.17 0.64 -0.11 3.28 1.87 2.11 0.67
Depreciation Expense		 0.92 0.93 0.94 0.95 0.97 0.95 0.95 0.97 1.00 0.98
Amortization Expense		 -0.01 0.22 0.29 0.22 0.81 0.37 0.30 0.24 0.26 0.51
Non-Cash Adjustments to Reconcile Net Income		 -15 17 -25 3.02 9.59 2.38 -7.62 6.23 5.75 11
Changes in Operating Assets and Liabilities, net		 6.58 -2.87 -24 3.65 -21 16 28 -6.94 -3.08 5.53
Net Cash From Investing Activities		 20 -25 -38 -33 -30 -17 -79 -72 -358 -292
Net Cash From Continuing Investing Activities		 20 -25 -38 -33 -30 -17 -79 -72 -358 -292
Purchase of Property, Leasehold Improvements and Equipment		 -0.34 -0.57 -0.22 -0.11 -0.92 -0.95 -2.13 -0.49 -0.93 -0.74
Purchase of Investment Securities		 11 -28 -63 -39 -31 -26 -75 -76 -359 -289
Sale and/or Maturity of Investments		 8.54 3.58 24 5.47 0.95 9.96 -1.38 5.29 1.75 -1.51
Net Cash From Financing Activities		 -16 -10 -81 184 27 -18 50 214 355 261
Net Cash From Continuing Financing Activities		 -16 -10 -81 184 27 -18 50 214 355 261
Net Change in Deposits		 15 78 64 6.62 -23 122 46 52 306 35
Issuance of Debt		 243 -243 110 317 70 80 -15 190 - -
Repayment of Debt		 -266 163 -245 -131 -12 -209 29 -0.01 55 240
Repurchase of Common Equity		 -4.94 -4.25 -6.09 -6.26 -5.79 -6.48 -5.81 -27 -5.26 -11
Payment of Dividends		 -2.51 -3.53 -3.57 -3.50 -2.43 -3.47 -3.48 -3.44 -2.53 -3.49
Other Financing Activities, Net		 -0.64 -0.33 -0.73 1.49 -0.64 -0.92 -0.51 2.05 1.19 0.20
Cash Income Taxes Paid		 2.60 2.87 2.27 2.10 3.47 2.50 3.87 1.13 3.65 3.40

Annual Balance Sheets for HarborOne Bancorp

This table presents HarborOne Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021
Total Assets		 5,753 5,668 5,360 4,553
Cash and Due from Banks		 231 227 98 195
Trading Account Securities		 284 310 321 394
Loans and Leases, Net of Allowance		 4,796 4,702 4,504 3,562
Loans and Leases		 4,852 4,750 4,550 3,608
Allowance for Loan and Lease Losses		 56 48 45 45
Loans Held for Sale		 37 20 19 3,608
Premises and Equipment, Net		 46 49 49 51
Goodwill		 59 59 70 70
Intangible Assets		 0.76 1.52 2.27 3.16
Other Assets		 299 299 296 233
Total Liabilities & Shareholders' Equity		 5,753 5,668 5,360 4,553
Total Liabilities		 5,178 5,084 4,743 3,874
Interest Bearing Deposits		 4,551 4,387 4,189 3,683
Accrued Interest Payable		 6.58 5.25 2.33 1.08
Long-Term Debt		 517 568 50 90
Other Long-Term Liabilities		 104 123 116 101
Commitments & Contingencies		 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 575 584 617 679
Total Preferred & Common Equity		 575 584 617 679
Total Common Equity		 575 584 617 679
Common Stock		 490 487 484 471
Retained Earnings		 374 360 356 326
Treasury Stock		 -215 -194 -148 -86
Accumulated Other Comprehensive Income / (Loss)		 -50 -44 -47 -1.64
Other Equity Adjustments		 -24 -26 -28 -29

Quarterly Balance Sheets for HarborOne Bancorp

This table presents HarborOne Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 5,776 5,787 5,862 5,664 5,659 5,573 4,988
Cash and Due from Banks		 224 235 393 247 253 250 86
Trading Account Securities		 296 289 311 291 312 323 320
Loans and Leases, Net of Allowance		 4,825 4,790 4,729 4,675 4,650 4,576 4,153
Loans and Leases		 4,880 4,839 4,777 4,723 4,698 4,623 4,197
Allowance for Loan and Lease Losses		 54 49 48 48 48 47 45
Loans Held for Sale		 28 42 16 18 21 4,590 19
Premises and Equipment, Net		 47 47 48 49 49 49 49
Goodwill		 59 59 59 70 70 70 70
Intangible Assets		 0.95 1.14 1.33 1.70 1.89 2.08 2.46
Other Assets		 294 324 305 314 303 290 289
Total Liabilities & Shareholders' Equity		 5,776 5,787 5,862 5,664 5,659 5,573 4,988
Total Liabilities		 5,192 5,210 5,285 5,080 5,064 4,973 4,376
Interest Bearing Deposits		 4,536 4,458 4,394 4,410 4,287 4,242 3,883
Accrued Interest Payable		 12 8.26 7.30 4.62 4.85 3.25 0.95
Long-Term Debt		 539 619 754 510 639 200 50
Other Long-Term Liabilities		 105 124 129 155 132 103 112
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 584 577 578 585 596 600 611
Total Preferred & Common Equity		 584 577 578 585 596 600 611
Total Common Equity		 584 577 578 585 596 600 611
Common Stock		 490 489 488 486 485 484 481
Retained Earnings		 368 368 364 370 365 360 350
Treasury Stock		 -210 -206 -200 -188 -181 -176 -143
Accumulated Other Comprehensive Income / (Loss)		 -39 -48 -49 -57 -46 -42 -49
Other Equity Adjustments		 -24 -25 -25 -26 -27 -27 -28

Annual Metrics And Ratios for HarborOne Bancorp

This table displays calculated financial ratios and metrics derived from HarborOne Bancorp's official financial filings.

Metric 2024 2023 2022 2021
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021
Growth Metrics		 - - - -
Revenue Growth		 2.04% -18.02% -4.63% -43.98%
EBITDA Growth		 26.16% -54.35% -6.15% -63.05%
EBIT Growth		 36.35% -59.30% -4.61% -65.09%
NOPAT Growth		 70.47% -64.73% -22.09% 30.64%
Net Income Growth		 70.47% -64.73% -22.09% 30.64%
EPS Growth		 78.38% -61.86% -14.91% 39.02%
Operating Cash Flow Growth		 -92.82% -22.34% -69.28% 932.20%
Free Cash Flow Firm Growth		 204.58% 64.50% -240.51% -22.97%
Invested Capital Growth		 -5.26% 9.53% 36.77% -12.54%
Revenue Q/Q Growth		 4.29% -6.22% 0.00% 0.00%
EBITDA Q/Q Growth		 65.29% -36.72% 0.00% 0.00%
EBIT Q/Q Growth		 89.30% -42.17% 0.00% 0.00%
NOPAT Q/Q Growth		 140.22% -50.93% 0.00% 0.00%
Net Income Q/Q Growth		 79.82% -58.72% 0.00% 0.00%
EPS Q/Q Growth		 127.59% -50.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 124.42% -37.20% -37.57% 0.00%
Free Cash Flow Firm Q/Q Growth		 598.29% 0.00% 0.00% 0.00%
Invested Capital Q/Q Growth		 -2.85% 5.28% 0.00% 0.00%
Profitability Metrics		 - - - -
EBITDA Margin		 22.43% 18.14% 32.58% 33.11%
EBIT Margin		 19.85% 14.86% 29.92% 29.92%
Profit (Net Income) Margin		 15.88% 9.51% 22.10% 27.05%
Tax Burden Percent		 80.00% 63.99% 73.85% 72.74%
Interest Burden Percent		 100.00% 100.00% 100.00% 124.32%
Effective Tax Rate		 20.00% 36.01% 26.15% 27.26%
Return on Invested Capital (ROIC)		 2.44% 1.46% 5.01% 7.10%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.44% 1.46% 5.01% 7.10%
Return on Net Nonoperating Assets (RNNOA)		 2.29% 1.22% 2.03% 1.41%
Return on Equity (ROE)		 4.73% 2.68% 7.03% 8.51%
Cash Return on Invested Capital (CROIC)		 7.85% -7.64% -26.05% 20.48%
Operating Return on Assets (OROA)		 0.60% 0.46% 1.25% 1.43%
Return on Assets (ROA)		 0.48% 0.29% 0.92% 1.30%
Return on Common Equity (ROCE)		 4.73% 2.68% 7.03% 8.51%
Return on Equity Simple (ROE_SIMPLE)		 4.77% 2.75% 7.39% 8.61%
Net Operating Profit after Tax (NOPAT)		 27 16 46 59
NOPAT Margin		 15.88% 9.51% 22.10% 27.05%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 61.46% 62.78% 56.29% 62.12%
Operating Expenses to Revenue		 75.35% 81.79% 67.33% 73.44%
Earnings before Interest and Taxes (EBIT)		 34 25 62 65
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 39 31 67 72
Valuation Ratios		 - - - -
Price to Book Value (P/BV)		 0.85 0.86 1.00 0.00
Price to Tangible Book Value (P/TBV)		 0.95 0.96 1.14 0.00
Price to Revenue (P/Rev)		 2.84 2.97 3.00 0.00
Price to Earnings (P/E)		 17.90 31.25 13.57 0.00
Dividend Yield		 2.71% 2.55% 2.13% 0.00%
Earnings Yield		 5.59% 3.20% 7.37% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.71 0.73 0.91 0.00
Enterprise Value to Revenue (EV/Rev)		 4.50 4.99 4.63 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 20.05 27.49 14.22 0.00
Enterprise Value to EBIT (EV/EBIT)		 22.66 33.57 15.48 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 28.32 52.47 20.96 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 202.11 15.76 13.87 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 8.81 0.00 0.00 0.00
Leverage & Solvency		 - - - -
Debt to Equity		 0.90 0.97 0.71 0.13
Long-Term Debt to Equity		 0.90 0.97 0.08 0.13
Financial Leverage		 0.94 0.84 0.40 0.20
Leverage Ratio		 9.86 9.18 7.65 6.57
Compound Leverage Factor		 9.86 9.18 7.65 8.17
Debt to Total Capital		 47.32% 49.34% 41.35% 11.68%
Short-Term Debt to Total Capital		 0.00% 0.00% 36.60% 0.00%
Long-Term Debt to Total Capital		 47.32% 49.34% 4.75% 11.68%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 52.68% 50.66% 58.65% 88.32%
Debt to EBITDA		 13.34 18.53 6.47 1.25
Net Debt to EBITDA		 7.37 11.12 5.01 -1.46
Long-Term Debt to EBITDA		 13.34 18.53 0.74 1.25
Debt to NOPAT		 18.85 35.36 9.54 1.54
Net Debt to NOPAT		 10.42 21.22 7.39 -1.79
Long-Term Debt to NOPAT		 18.85 35.36 1.10 1.54
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - -
Cash Flow Metrics		 - - - -
Free Cash Flow to Firm (FCFF)		 88 -84 -237 169
Operating Cash Flow to CapEx		 0.00% 1,483.45% 4,360.70% 3,473.13%
Free Cash Flow to Firm to Interest Expense		 0.60 -0.72 -10.34 13.48
Operating Cash Flow to Interest Expense		 0.03 0.46 3.00 17.91
Operating Cash Flow Less CapEx to Interest Expense		 0.03 0.43 2.93 17.39
Efficiency Ratios		 - - - -
Asset Turnover		 0.03 0.03 0.04 0.05
Fixed Asset Turnover		 3.63 3.46 4.13 4.31
Capital & Investment Metrics		 - - - -
Invested Capital		 1,092 1,152 1,052 769
Invested Capital Turnover		 0.15 0.15 0.23 0.26
Increase / (Decrease) in Invested Capital		 -61 100 283 -110
Enterprise Value (EV)		 776 843 956 0.00
Market Capitalization		 491 502 619 0.00
Book Value per Share		 $13.05 $12.76 $12.54 $12.00
Tangible Book Value per Share		 $11.70 $11.43 $11.08 $10.71
Total Capital		 1,092 1,152 1,052 769
Total Debt		 517 568 435 90
Total Long-Term Debt		 517 568 50 90
Net Debt		 285 341 337 -105
Capital Expenditures (CapEx)		 -0.24 3.61 1.58 6.46
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 517 568 435 90
Total Depreciation and Amortization (D&A)		 4.45 5.56 5.49 6.90
Earnings Adjustments		 - - - -
Adjusted Basic Earnings per Share		 $0.66 $0.37 $0.98 $1.15
Adjusted Weighted Average Basic Shares Outstanding		 41.22M 43.22M 46.48M 50.75M
Adjusted Diluted Earnings per Share		 $0.66 $0.37 $0.97 $1.14
Adjusted Weighted Average Diluted Shares Outstanding		 41.47M 43.42M 47.12M 51.52M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 43.50M 45.24M 48.28M 51.37M
Normalized Net Operating Profit after Tax (NOPAT)		 27 23 46 59
Normalized NOPAT Margin		 15.88% 13.58% 22.10% 27.05%
Pre Tax Income Margin		 19.85% 14.86% 29.92% 37.19%
Debt Service Ratios		 - - - -
EBIT to Interest Expense		 0.24 0.21 2.69 5.17
NOPAT to Interest Expense		 0.19 0.14 1.99 4.67
EBIT Less CapEx to Interest Expense		 0.24 0.18 2.62 4.65
NOPAT Less CapEx to Interest Expense		 0.19 0.11 1.92 4.16
Payout Ratios		 - - - -
Dividend Payout Ratio		 47.83% 79.78% 26.73% 15.71%
Augmented Payout Ratio		 126.45% 360.96% 163.88% 134.00%

Quarterly Metrics And Ratios for HarborOne Bancorp

This table displays calculated financial ratios and metrics derived from HarborOne Bancorp's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 20.64% 4.87% -0.97% -12.11% -24.58% -24.39% -2.12% -19.64% 0.00% 13.62%
EBITDA Growth		 199.54% -35.28% 6.81% -30.03% -175.57% -47.06% 14.49% -43.57% 0.00% 70.52%
EBIT Growth		 171.15% -35.28% 6.81% -32.99% -206.30% -47.06% 14.49% -45.52% 0.00% 70.52%
NOPAT Growth		 341.32% -53.35% -2.45% 0.04% -138.45% -38.86% -25.11% -40.52% 0.00% 12.23%
Net Income Growth		 91.54% -17.24% 9.91% 0.04% -238.77% -18.99% 9.38% -40.52% 0.00% 12.23%
EPS Growth		 231.25% -50.00% 5.88% 6.25% -176.19% -33.33% -19.05% -36.00% 0.00% 25.00%
Operating Cash Flow Growth		 121.69% 0.00% 0.00% 54.93% -202.97% 0.00% 0.00% -34.07% -72.65% 0.00%
Free Cash Flow Firm Growth		 166.89% 73.45% 109.74% 91.79% 0.00% 90.31% 38.68% 0.00% 0.00% 0.00%
Invested Capital Growth		 -5.26% 2.66% -3.06% 8.76% 9.53% 10.41% 61.49% 0.00% 0.00% 0.00%
Revenue Q/Q Growth		 -9.76% -0.51% 19.21% 0.00% -21.55% -6.06% 5.81% 0.00% -21.35% 21.61%
EBITDA Q/Q Growth		 -2.69% -37.23% 49.04% 0.00% -163.26% 3.60% -2.36% 0.00% -55.69% 124.07%
EBIT Q/Q Growth		 -14.30% -37.23% 73.16% 0.00% -177.95% 3.60% 8.64% 0.00% -61.18% 124.07%
NOPAT Q/Q Growth		 126.48% -46.22% -0.05% 0.00% -143.78% 12.47% 2.49% 0.00% -30.39% 37.76%
Net Income Q/Q Growth		 -112.19% -23.18% 64.48% 0.00% -219.24% 2.03% 49.71% 0.00% -30.39% 37.76%
EPS Q/Q Growth		 110.00% -44.44% 5.88% 0.00% -180.00% 17.65% 6.25% 0.00% -30.00% 42.86%
Operating Cash Flow Q/Q Growth		 -86.01% 0.00% 0.00% 0.00% -157.38% 0.00% 0.00% 0.00% -51.55% 0.00%
Free Cash Flow Firm Q/Q Growth		 376.42% -155.85% 145.05% 0.00% -9.71% 79.51% 62.01% 0.00% 100.00% -29.58%
Invested Capital Q/Q Growth		 -2.85% -6.11% -10.16% 0.00% 5.28% -11.34% 0.79% 0.00% 6.12% 29.69%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 18.37% 17.04% 27.00% 21.60% -22.27% 27.61% 25.04% 27.13% 22.22% 39.44%
EBIT Margin		 16.18% 17.04% 27.00% 18.59% -27.43% 27.61% 25.04% 24.38% 19.46% 39.44%
Profit (Net Income) Margin		 -2.71% 20.05% 25.96% 18.82% -38.62% 25.41% 23.39% 16.53% 20.99% 23.71%
Tax Burden Percent		 -10.49% 215.01% 126.26% 74.94% 252.61% 102.08% 112.00% 75.13% 77.63% 74.63%
Interest Burden Percent		 159.51% 54.73% 76.15% 135.07% 55.72% 90.14% 83.42% 90.25% 138.90% 80.57%
Effective Tax Rate		 17.07% 8.53% 23.28% 25.06% 0.00% 22.96% 23.32% 24.87% 22.37% 25.37%
Return on Invested Capital (ROIC)		 3.29% 0.00% 0.00% 0.00% -1.64% 0.00% 0.00% 0.00% 4.12% 0.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 1.45% 0.00% 0.00% 0.00% -3.56% 0.00% 0.00% 0.00% 4.12% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 1.36% 0.00% 0.00% 0.00% -2.97% 0.00% 0.00% 0.00% 2.90% 0.00%
Return on Equity (ROE)		 4.65% 0.00% 0.00% 0.00% -4.61% 0.00% 0.00% 0.00% 7.02% 0.00%
Cash Return on Invested Capital (CROIC)		 7.85% 0.00% 0.00% 0.00% -7.64% 0.00% 0.00% 0.00% -22.55% 0.00%
Operating Return on Assets (OROA)		 0.49% 0.00% 0.00% 0.00% -0.84% 0.00% 0.00% 0.00% 0.81% 0.00%
Return on Assets (ROA)		 -0.08% 0.00% 0.00% 0.00% -1.18% 0.00% 0.00% 0.00% 0.87% 0.00%
Return on Common Equity (ROCE)		 4.65% 0.00% 0.00% 0.00% -4.61% 0.00% 0.00% 0.00% 7.02% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 8.89 3.92 7.30 7.30 -3.68 8.41 7.48 7.30 9.58 14
NOPAT Margin		 21.41% 8.53% 15.78% 18.82% -10.70% 19.17% 16.02% 16.53% 20.99% 23.71%
Net Nonoperating Expense Percent (NNEP)		 1.85% -1.01% -0.75% 0.00% 1.91% -0.61% -0.88% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 63.96% 57.46% 59.15% 66.28% 78.90% 60.34% 56.06% 59.74% 61.93% 49.95%
Operating Expenses to Revenue		 79.18% 70.13% 71.67% 81.84% 125.56% 72.65% 67.93% 71.39% 75.92% 59.41%
Earnings before Interest and Taxes (EBIT)		 6.72 7.84 12 7.21 -9.44 12 12 11 8.88 23
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 7.63 7.84 12 8.38 -7.66 12 12 12 10 23
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.85 0.00 0.00 0.00 0.86 0.00 0.00 0.00 1.00 0.00
Price to Tangible Book Value (P/TBV)		 0.95 0.00 0.00 0.00 0.96 0.00 0.00 0.00 1.14 0.00
Price to Revenue (P/Rev)		 2.84 0.00 0.00 0.00 2.97 0.00 0.00 0.00 3.00 0.00
Price to Earnings (P/E)		 17.90 0.00 0.00 0.00 31.25 0.00 0.00 0.00 13.57 0.00
Dividend Yield		 2.71% 0.00% 0.00% 0.00% 2.55% 0.00% 0.00% 0.00% 2.13% 0.00%
Earnings Yield		 5.59% 0.00% 0.00% 0.00% 3.20% 0.00% 0.00% 0.00% 7.37% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.71 0.00 0.00 0.00 0.73 0.00 0.00 0.00 0.91 0.00
Enterprise Value to Revenue (EV/Rev)		 4.50 0.00 0.00 0.00 4.99 0.00 0.00 0.00 4.63 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 20.05 0.00 0.00 0.00 27.49 0.00 0.00 0.00 14.22 0.00
Enterprise Value to EBIT (EV/EBIT)		 22.66 0.00 0.00 0.00 33.57 0.00 0.00 0.00 15.48 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 28.32 0.00 0.00 0.00 52.47 0.00 0.00 0.00 20.96 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 202.11 0.00 0.00 0.00 15.76 0.00 0.00 0.00 13.87 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 8.81 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.90 0.92 1.07 1.31 0.97 0.87 1.07 1.04 0.71 0.62
Long-Term Debt to Equity		 0.90 0.92 1.07 1.31 0.97 0.87 1.07 0.33 0.08 0.08
Financial Leverage		 0.94 0.90 1.07 1.17 0.84 0.74 0.64 1.04 0.71 0.62
Leverage Ratio		 9.86 9.79 9.76 9.71 9.18 8.91 8.49 9.29 7.65 8.16
Compound Leverage Factor		 15.72 5.36 7.43 13.12 5.12 8.03 7.09 8.39 10.62 6.57
Debt to Total Capital		 47.32% 48.00% 51.76% 56.63% 49.34% 46.58% 51.76% 51.03% 41.35% 38.33%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 34.70% 36.60% 33.29%
Long-Term Debt to Total Capital		 47.32% 48.00% 51.76% 56.63% 49.34% 46.58% 51.76% 16.33% 4.75% 5.04%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 52.68% 52.00% 48.24% 43.37% 50.66% 53.42% 48.24% 48.97% 58.65% 61.67%
Debt to EBITDA		 13.34 0.00 0.00 0.00 18.53 0.00 0.00 0.00 6.47 0.00
Net Debt to EBITDA		 7.37 0.00 0.00 0.00 11.12 0.00 0.00 0.00 5.01 0.00
Long-Term Debt to EBITDA		 13.34 0.00 0.00 0.00 18.53 0.00 0.00 0.00 0.74 0.00
Debt to NOPAT		 18.85 0.00 0.00 0.00 35.36 0.00 0.00 0.00 9.54 0.00
Net Debt to NOPAT		 10.42 0.00 0.00 0.00 21.22 0.00 0.00 0.00 7.39 0.00
Long-Term Debt to NOPAT		 18.85 0.00 0.00 0.00 35.36 0.00 0.00 0.00 1.10 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 70 -25 45 -100 -104 -95 -463 -1,217 0.00 -978
Operating Cash Flow to CapEx		 1,028.61% 0.00% 0.00% 13,612.73% -38,276.19% 0.00% 0.00% 1,968.43% 1,678.82% 0.00%
Free Cash Flow to Firm to Interest Expense		 1.33 -0.84 1.65 -2.75 -2.11 -3.70 -22.47 -56.52 0.00 -187.13
Operating Cash Flow to Interest Expense		 0.07 0.00 0.00 0.41 -0.33 0.00 0.00 0.45 1.23 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.06 0.00 0.00 0.41 -0.33 0.00 0.00 0.43 1.15 0.00
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.03 0.00 0.00 0.00 0.03 0.00 0.00 0.00 0.04 0.00
Fixed Asset Turnover		 3.63 0.00 0.00 0.00 3.46 0.00 0.00 0.00 4.13 0.00
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 1,092 1,124 1,197 1,332 1,152 1,094 1,234 1,225 1,052 991
Invested Capital Turnover		 0.15 0.00 0.00 0.00 0.15 0.00 0.00 0.00 0.20 0.00
Increase / (Decrease) in Invested Capital		 -61 29 -38 107 100 103 470 1,225 0.00 991
Enterprise Value (EV)		 776 0.00 0.00 0.00 843 0.00 0.00 0.00 956 0.00
Market Capitalization		 491 0.00 0.00 0.00 502 0.00 0.00 0.00 619 0.00
Book Value per Share		 $13.05 $13.16 $12.92 $12.77 $12.76 $12.56 $12.78 $12.42 $12.54 $12.19
Tangible Book Value per Share		 $11.70 $11.80 $11.58 $11.44 $11.43 $11.02 $11.24 $10.94 $11.08 $10.75
Total Capital		 1,092 1,124 1,197 1,332 1,152 1,094 1,234 1,225 1,052 991
Total Debt		 517 539 619 754 568 510 639 625 435 380
Total Long-Term Debt		 517 539 619 754 568 510 639 200 50 50
Net Debt		 285 315 384 361 341 263 386 375 337 294
Capital Expenditures (CapEx)		 0.34 0.00 0.00 0.11 0.04 0.00 0.00 0.49 0.93 0.00
Net Nonoperating Expense (NNE)		 10 -5.30 -4.71 0.00 9.61 -2.73 -3.45 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 517 539 619 754 568 510 639 625 435 380
Total Depreciation and Amortization (D&A)		 0.91 0.00 0.00 1.17 1.78 0.00 0.00 1.21 1.26 0.00
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.21 $0.10 $0.18 $0.17 ($0.16) $0.20 $0.17 $0.16 $0.21 $0.30
Adjusted Weighted Average Basic Shares Outstanding		 41.22M 40.98M 41.29M 41.91M 43.22M 42.88M 43.06M 44.86M 46.48M 45.83M
Adjusted Diluted Earnings per Share		 $0.21 $0.10 $0.18 $0.17 ($0.16) $0.20 $0.17 $0.16 $0.21 $0.30
Adjusted Weighted Average Diluted Shares Outstanding		 41.47M 41.34M 41.37M 42.13M 43.42M 42.98M 43.13M 45.28M 47.12M 46.42M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 43.50M 44.05M 44.41M 44.68M 45.24M 45.77M 46.55M 46.59M 48.28M 49.19M
Normalized Net Operating Profit after Tax (NOPAT)		 8.89 3.92 7.30 7.30 -3.68 8.41 7.48 7.30 9.58 14
Normalized NOPAT Margin		 21.41% 8.53% 15.78% 18.82% -10.70% 19.17% 16.02% 16.53% 20.99% 23.71%
Pre Tax Income Margin		 25.81% 9.32% 20.56% 25.11% -15.29% 24.89% 20.89% 22.01% 27.03% 31.77%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.13 0.26 0.46 0.20 -0.19 0.47 0.57 0.50 0.70 4.38
NOPAT to Interest Expense		 0.17 0.13 0.27 0.20 -0.07 0.33 0.36 0.34 0.75 2.63
EBIT Less CapEx to Interest Expense		 0.12 0.00 0.00 0.20 -0.19 0.00 0.00 0.48 0.62 0.00
NOPAT Less CapEx to Interest Expense		 0.16 0.00 0.00 0.20 -0.08 0.00 0.00 0.32 0.68 0.00
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 47.83% 0.00% 0.00% 0.00% 79.78% 0.00% 0.00% 0.00% 26.73% 0.00%
Augmented Payout Ratio		 126.45% 0.00% 0.00% 0.00% 360.96% 0.00% 0.00% 0.00% 163.88% 0.00%

Frequently Asked Questions About HarborOne Bancorp's Financials

When does HarborOne Bancorp's fiscal year end?

According to the most recent income statement we have on file, HarborOne Bancorp's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has HarborOne Bancorp's net income changed over the last 3 years?

HarborOne Bancorp's net income appears to be on a downward trend, with a most recent value of $27.41 million in 2024, falling from $58.52 million in 2021. The previous period was $16.08 million in 2023. See HarborOne Bancorp's forecast for analyst expectations on what’s next for the company.

How has HarborOne Bancorp revenue changed over the last 3 years?

Over the last 3 years, HarborOne Bancorp's total revenue changed from $216.32 million in 2021 to $172.57 million in 2024, a change of -20.2%.

How much debt does HarborOne Bancorp have?

HarborOne Bancorp's total liabilities were at $5.18 billion at the end of 2024, a 1.8% increase from 2023, and a 33.7% increase since 2021.

How much cash does HarborOne Bancorp have?

In the past 3 years, HarborOne Bancorp's cash and equivalents has ranged from $98.02 million in 2022 to $231.07 million in 2024, and is currently $231.07 million as of their latest financial filing in 2024.

How has HarborOne Bancorp's book value per share changed over the last 3 years?

Over the last 3 years, HarborOne Bancorp's book value per share changed from 12.00 in 2021 to 13.05 in 2024, a change of 8.8%.


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This page (NASDAQ:HONE) was last updated on 5/25/2025 by MarketBeat.com Staff
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