HarborOne Bancorp, Inc.

HONE

HarborOne Bancorp, Inc.

HONE

Insider Sentiment (TTM):

Last Purchase:2023-05-16Last Sale:2024-09-10Shares Purchased (TTM):0Shares Sold (TTM):0

Institutional Sentiment:

As of:2025-09-30Institutional Shares Owned:20,575,778Shares Outstanding:39,924,977Institutional Ownership Pct.:51.54%

Earnings Market Reaction:

Filing Date:2025-08-05Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30
Assets
Cash And Due From Banks	47	44	44	40	48	36	39	39	44	39	40	40
Cash Equivalents At Carrying Value	156	186	187	185	187	357	188	208	209	211	58	46
Cash And Cash Equivalents At Carrying Value	203	230	231	224	235	393	227	247	253	250	98	86
Debt Securities Available For Sale Excluding Accru…	287	266	264	277	269	291	290	271	292	303	301	305
Held To Maturity Securities	-	-	-	-	-	-	-	-	-	-	-	15
Debt Securities Held To Maturity Excluding Accrued…	19	19	20	20	20	20	20	20	20	20	20	-
Federal Home Loan Bank Stock	21	18	23	17	25	27	27	23	27	24	20	16
Assets Of Disposal Group Including Discontinued Op…	-	-	-	-	-	0	0	1	1	-	-	-
Loans Held For Sale Fair Value Disclosure	29	19	37	28	42	16	20	18	21	14	19	19
Financing Receivable Excluding Accrued Interest Be…	4,727	4,821	4,852	4,880	4,839	4,777	4,750	4,723	4,698	4,623	4,550	4,197
Loans And Leases Receivable Allowance	-	-	-	-	-	-	-	-	-	-47	-45	-45
Financing Receivable Allowance For Credit Loss Exc…	-48	-49	-56	-54	-49	-48	-48	-48	-48	-47	-45	-45
Financing Receivable Excluding Accrued Interest Af…	4,679	4,772	4,796	4,825	4,790	4,729	4,702	4,675	4,650	4,576	4,504	4,153
Interest Receivable	17	18	18	19	19	19	18	18	17	17	15	13
Servicing Asset At Fair Value Amount	41	43	45	43	46	47	46	49	48	47	48	50
Other Real Estate And Foreclosed Assets	-	-	-	-	-	-	-	-	-	-	-	0
Property Plant And Equipment Net	45	46	46	47	47	48	49	49	49	49	49	49
Defined Benefit Plan Assets For Plan Benefits Nonc…	16	16	16	16	15	15	15	15	15	15	15	15
Bank Owned Life Insurance	99	98	98	97	96	95	95	93	93	92	92	91
Goodwill	59	59	59	59	59	59	59	70	70	70	70	70
Intangible Assets Net Excluding Goodwill	0	1	1	1	1	1	2	2	2	2	2	2
Other Assets	93	95	100	102	121	101	98	115	102	96	106	104
Assets	5,609	5,700	5,753	5,776	5,787	5,862	5,668	5,664	5,659	5,573	5,360	4,988
Liabilities And Stockhold…
Deposits
Demand Deposit Accounts	714	704	691	713	690	677	660	709	718	727	763	796
Deposits Money Market Deposits	1,175	1,201	1,195	1,163	1,100	1,061	966	951	834	796	862	890
Time Deposits	-	-	-	-	-	-	-	-	-	-	799	600
Deposits	4,494	4,619	4,551	4,536	4,458	4,394	4,387	4,410	4,287	4,242	4,189	3,883
Long Term Debt Noncurrent	440	400	517	539	619	754	568	475	605	166	16	16
Subordinated Debt	-	-	-	-	-	-	-	34	34	34	34	34
Short Term Borrowings	-	-	-	-	-	-	303	-	-	425	385	330
Federal Home Loan Bank Advances Long Term	-	-	-	-	-	-	265	-	-	-	16	-
Interest Payable Current And Noncurrent	5	7	7	12	8	7	5	5	5	3	2	1
Accrued Liabilities And Other Liabilities	81	89	96	96	114	118	114	145	121	92	106	102
Liabilities	5,029	5,124	5,178	5,192	5,210	5,285	5,084	5,080	5,064	4,973	4,743	4,376
Common Stock Value	1	1	1	1	1	1	1	1	1	1	1	1
Additional Paid In Capital Common Stock	491	490	490	489	488	487	487	485	485	484	483	481
Retained Earnings Accumulated Deficit	380	376	374	368	368	364	360	370	365	360	356	350
Treasury Stock Value	-	-	-	-	-	-	-	-	-	-	-148	-143
Treasury Stock Common Value	-225	-222	-215	-210	-206	-200	-194	-188	-181	-176	-148	-
Accumulated Other Comprehensive Income Loss Net Of…	-44	-46	-50	-39	-48	-49	-44	-57	-46	-42	-47	-49
Unearned E S O P Shares	-23	-23	-24	-24	-25	-25	-26	-26	-27	-27	-28	-28
Stockholders Equity	580	576	575	584	577	578	584	585	596	600	617	611
Liabilities And Stockholders Equity	5,609	5,700	5,753	5,776	5,787	5,862	5,668	5,664	5,659	5,573	5,360	4,988
Held To Maturity Securities Fair Value	19	19	19	19	19	19	19	19	19	19	19	-
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	150	150	150	150	150	150	150	150	150	150	150	150
Common Stock Shares Issued	61	61	61	61	61	61	60	60	60	60	60	60
Shares Outstanding	43	43	44	44	44	45	45	46	47	47	49	49
Treasury Stock Common Shares	18	17	17	16	16	15	15	14	14	13	11	11

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2025	-0.26%	1.67%	7.54%	9.26%	17.65%	13.88%	-	-	-	-	-	-
2024	-1.70%	5.10%	29.19%	11.11%	4.12%	-2.24%	-0.98%	-9.70%	-17.10%	-4.10%	3.92%	3.46%
2023	11.35%	8.23%	32.39%	-3.06%	-9.07%	-5.38%	11.17%	16.31%	16.74%	4.72%	1.61%	3.89%
2022	-	-	-	-3.39%	-5.23%	7.18%	3.43%	-2.31%	-5.68%	-3.56%	-14.49%	-32.47%
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Performance and Valuation Metrics

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Metrics	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30
Leverage & Debt
Interest Coverage TTM	-0.74	-0.75	-0.19	0.19	0.72	1.19	1.21	1.45	1.74	2.29	3.69	6.23
Per Share Metrics
Diluted EPS TTM	0.66	0.63	0.66	0.28	0.38	0.38	0.37	0.76	0.88	0.90	0.97	1.05
Free Cash Flow Per Share TTM	1.14	0.27	0.06	-0.43	-0.36	1.31	1.13	1.88	1.98	1.37	1.43	2.35
Dividend Per Share TTM	0.34	0.33	0.32	0.32	0.31	0.31	0.30	0.30	0.30	0.29	0.26	0.25
Margin Metrics
Gross Profit Margin TTM	48.16%	47.05%	46.30%	38.01%	38.55%	39.93%	43.28%	59.00%	68.02%	78.08%	86.66%	91.95%
Operating Profit Margin TTM	12.29%	11.76%	12.62%	6.81%	9.49%	9.85%	10.28%	18.43%	23.56%	28.23%	35.90%	42.07%
Net Profit Margin TTM	9.89%	9.52%	10.10%	4.25%	6.06%	6.30%	6.58%	14.13%	17.87%	21.13%	26.52%	31.08%
Growth Metrics
Net Revenue Growth (1Y)	1.60%	5.36%	11.10%	15.73%	23.07%	32.76%	42.09%	48.25%	44.43%	33.84%	19.48%	7.65%
Net Income Growth (1Y)	65.87%	59.25%	70.47%	-65.18%	-58.29%	-60.41%	-64.73%	-32.59%	-19.09%	-20.96%	-22.09%	-23.49%
EPS Growth (1Y)	71.56%	65.43%	78.75%	-63.57%	-56.50%	-57.63%	-62.07%	-27.94%	-11.73%	-15.71%	-14.95%	-16.87%
Calculated Values
Free Cash Flow TTM	45.53M	10.89M	2.60M	-17.54M	-14.82M	54.72M	49.03M	80.70M	85.12M	61.31M	66.63M	107.76M
Net Debt	236.60M	169.06M	285.48M	315.09M	384.31M	360.94M	644.11M	228.69M	351.72M	340.91M	302.66M	259.73M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2024-09-10Sale

Owner: Tryder, David E.

Title: SVP, Chief Marketing Officer

Shares: 13,000

Price/Share: $12.48

Value: $162,240.00

Shares Owned: 15,159

Relationship: Officer

Ownership: Direct

2023-05-16Purchase

Owner: Casey, Joseph F

Title: President and CEO

Shares: 2,762

Price/Share: $7.76

Value: $21,433.12

Shares Owned: 316,568

Relationship: Director,Officer

Ownership: Direct

2023-05-12Purchase

Owner: Sullivan, Michael James

Title: Chairman of the Board

Shares: 4,500

Price/Share: $7.82

Value: $35,190.00

Shares Owned: 76,749

Relationship: Director,Officer

Ownership: Direct

2023-05-04Purchase

Owner: Casey, Joseph F

Title: President and CEO

Shares: 10,000

Price/Share: $8.25

Value: $82,500.00

Shares Owned: 313,806

Relationship: Director,Officer

Ownership: Direct

2023-05-04Purchase

Owner: Simmons, Linda

Title: EVP, CFO

Shares: 6,000

Price/Share: $7.88

Value: $47,280.00

Shares Owned: 54,874

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2024-09-10	Tryder, David E.	Officer	SVP, Chief Marketing Officer	Direct	Sale	13,000	12.48	$162,240.00	15,159	4
2023-05-16	Casey, Joseph F	Director,Officer	President and CEO	Direct	Purchase	2,762	7.76	$21,433.12	316,568	4
2023-05-12	Sullivan, Michael James	Director,Officer	Chairman of the Board	Direct	Purchase	4,500	7.82	$35,190.00	76,749	4
2023-05-04	Casey, Joseph F	Director,Officer	President and CEO	Direct	Purchase	10,000	8.25	$82,500.00	313,806	4
2023-05-04	Simmons, Linda	Officer	EVP, CFO	Direct	Purchase	6,000	7.88	$47,280.00	54,874	4
2022-10-31	Jezard, Gordon	Director	-	Direct	Sale	83,263	15.25	$1,269,760.75	40,118	4
2022-07-28	Mcquade, Joseph E.	Officer	SVP, CER Officer	Direct	Sale	709	14.48	$10,266.32	11,888	4
2022-03-29	Blake, James W.	Director,Officer	Chief Executive Officer	Direct	Sale	49,389	14.33	$707,744.37	288,840	4
2022-03-28	Blake, James W.	Director,Officer	Chief Executive Officer	Direct	Sale	50,000	14.11	$705,500.00	288,840	4
2022-03-25	Blake, James W.	Director,Officer	Chief Executive Officer	Direct	Sale	50,000	14.48	$724,000.00	288,840	4
2022-03-24	Blake, James W.	Director,Officer	Chief Executive Officer	Direct	Sale	50,000	14.24	$712,000.00	288,840	4
2022-03-23	Blake, James W.	Director,Officer	Chief Executive Officer	Direct	Sale	40,053	14.25	$570,755.25	288,840	4
2022-03-22	Blake, James W.	Director,Officer	Chief Executive Officer	Direct	Sale	50,000	14.55	$727,500.00	288,840	4
2022-03-21	Blake, James W.	Director,Officer	Chief Executive Officer	Direct	Sale	50,000	14.38	$719,000.00	288,840	4
2022-03-18	Blake, James W.	Director,Officer	Chief Executive Officer	Direct	Sale	50,000	14.39	$719,500.00	288,840	4
2022-03-17	Blake, James W.	Director,Officer	Chief Executive Officer	Direct	Sale	50,000	14.97	$748,500.00	288,840	4
2022-03-16	Blake, James W.	Director,Officer	Chief Executive Officer	Direct	Sale	50,000	14.85	$742,500.00	288,840	4
2022-03-15	Blake, James W.	Director,Officer	Chief Executive Officer	Direct	Sale	50,000	14.93	$746,500.00	288,840	4
2022-03-14	Blake, James W.	Director,Officer	Chief Executive Officer	Direct	Sale	50,000	15.16	$758,000.00	288,840	4
2022-03-11	Blake, James W.	Director,Officer	Chief Executive Officer	Direct	Sale	50,000	15.10	$755,000.00	288,840	4
2021-11-04	Tryder, David E.	Officer	SVP, Chief Marketing Officer	Direct	Sale	14,500	14.83	$215,035.00	10,357	4
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Institutional Ownership

No data available for chart

2025-09-30

51.54%

Inst. Shares: 20,575,778

Shares Outstanding: 39,924,977

2025-06-30

49.83%

Inst. Shares: 19,895,046

Shares Outstanding: 39,924,977

2025-03-31

48.20%

Inst. Shares: 19,447,648

Shares Outstanding: 40,344,922

2024-12-31

46.23%

Inst. Shares: 19,056,706

Shares Outstanding: 41,220,885

2024-09-30

46.71%

Inst. Shares: 19,142,570

Shares Outstanding: 40,984,857

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2025-09-30	20,575,778	39,924,977	51.54%
2025-06-30	19,895,046	39,924,977	49.83%
2025-03-31	19,447,648	40,344,922	48.20%
2024-12-31	19,056,706	41,220,885	46.23%
2024-09-30	19,142,570	40,984,857	46.71%
2024-06-30	18,950,038	41,293,787	45.89%
2024-03-31	18,398,724	41,912,421	43.90%
2023-12-31	18,606,787	43,221,738	43.05%
2023-09-30	18,452,419	42,876,893	43.04%
2023-06-30	19,467,199	43,063,507	45.21%
2023-03-31	19,490,040	44,857,224	43.45%
2022-12-31	17,087,236	46,483,664	36.76%
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HarborOne Bancorp, Inc. (HONE) — SEC Financial Statements & Analysis

HarborOne Bancorp, Inc. (HONE) is a state commercial banks company, incorporated in MA. HarborOne Bancorp, Inc. trades on None as: HONE. Based on its latest SEC filing (Form 10-Q, period ending 2025-06-30), HarborOne Bancorp, Inc. reported a 1.60% year-over-year revenue growth, a Gross Profit Margin of 48.16% (TTM). Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 1.60%
Gross Profit Margin TTM: 48.16%

Data as of 2025-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is HarborOne Bancorp, Inc. in?

HarborOne Bancorp, Inc. (HONE) operates in the State Commercial Banks industry.

What exchange does HONE trade on?

HarborOne Bancorp, Inc. (HONE) trades on the None.

Where is HarborOne Bancorp, Inc. incorporated?

HarborOne Bancorp, Inc. is incorporated in MA.