HarborOne Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . HarborOne Bancorp
HONE Stock  USD 10.73  0.01  0.09%   
HarborOne Bancorp financial statements provide useful quarterly and yearly information to potential HarborOne Bancorp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on HarborOne Bancorp financial statements helps investors assess HarborOne Bancorp's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting HarborOne Bancorp's valuation are summarized below:
Gross Profit
164.3 M
Profit Margin
0.1668
Market Capitalization
466.3 M
Enterprise Value Revenue
5.8523
Revenue
164.3 M
There are over one hundred nineteen available fundamental trends for HarborOne Bancorp, which can be analyzed over time and compared to other ratios. Investors should ensure to confirm all of HarborOne Bancorp's regular performance against the performance from 2010 to 2025 to make sure the company is sustainable down the road. As of March 19, 2025, Market Cap is expected to decline to about 446 M. In addition to that, Enterprise Value is expected to decline to about 632.7 M

HarborOne Bancorp Total Revenue

179.33 Million

Check HarborOne Bancorp financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among HarborOne Bancorp's main balance sheet or income statement drivers, such as Depreciation And Amortization of 4.8 M, Interest Expense of 153 M or Selling General Administrative of 5.2 M, as well as many indicators such as Price To Sales Ratio of 1.71, Dividend Yield of 0.0141 or PTB Ratio of 1.51. HarborOne financial statements analysis is a perfect complement when working with HarborOne Bancorp Valuation or Volatility modules.
  
Check out the analysis of HarborOne Bancorp Correlation against competitors.
For information on how to trade HarborOne Stock refer to our How to Trade HarborOne Stock guide.

HarborOne Bancorp Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets4.3 B5.8 B3.5 B
Slightly volatile
Short and Long Term Debt Total387.9 M516.6 M349.1 M
Slightly volatile
Total Current Liabilities6.2 M6.6 M227.7 M
Slightly volatile
Total Stockholder Equity522.2 M575 M404.9 M
Slightly volatile
Other Liabilities45.8 M56.4 M40.1 M
Slightly volatile
Net Tangible Assets445.5 M626.6 M373.9 M
Slightly volatile
Property Plant And Equipment Net47.1 M46.3 M38.7 M
Slightly volatile
Retained Earnings292.9 M373.9 M247.4 M
Slightly volatile
Accounts Payable6.9 M6.6 M1.9 M
Slightly volatile
Cash41.9 M44.1 M97.9 M
Slightly volatile
Non Current Assets Total100.7 M106.1 M616.7 M
Slightly volatile
Other Assets3.4 B5.4 B2.9 B
Slightly volatile
Long Term Debt160.9 M304.6 M208.2 M
Slightly volatile
Cash And Short Term Investments350.3 M231.1 M291.1 M
Slightly volatile
Net Receivables11.6 M18.4 M9.1 M
Slightly volatile
Good Will51.1 M67.9 M36.5 M
Slightly volatile
Common Stock Shares Outstanding42.1 M41.5 M53.3 M
Slightly volatile
Short Term Investments248.1 M187 M207.6 M
Slightly volatile
Liabilities And Stockholders Equity4.3 B5.8 B3.5 B
Slightly volatile
Non Current Liabilities Total289.3 M304.6 M547.6 M
Slightly volatile
Other Current Assets210.2 M221.3 M1.1 B
Slightly volatile
Total Liabilities3.8 B5.2 B3.1 B
Slightly volatile
Long Term Investments266.3 M283.5 M199.5 M
Slightly volatile
Property Plant And Equipment Gross57.4 M80.1 M45.8 M
Slightly volatile
Total Current Assets237 M249.5 M1.3 B
Slightly volatile
Short Term Debt365.9 M348.4 M152 M
Slightly volatile
Intangible Assets719.1 K757 K18.1 M
Slightly volatile
Property Plant Equipment49.7 M87.3 M45 M
Slightly volatile
Common Stock532.5 K687.7 K441.8 K
Slightly volatile
Earning Assets493.1 M795.2 M499.2 M
Slightly volatile
Common Stock Total Equity471.5 K671.6 K435.3 K
Slightly volatile
Retained Earnings Total Equity228.8 M252 M211.5 M
Slightly volatile
Long Term Debt Total29 M30.5 M117.2 M
Slightly volatile
Capital Surpluse555.7 M529.3 M293.5 M
Slightly volatile
Non Current Liabilities Other3.9 M4.1 M4.7 M
Slightly volatile
Net Invested Capital1 B1.1 B813.6 M
Slightly volatile
Capital Stock608.5 K687.7 K449.1 K
Slightly volatile

HarborOne Bancorp Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization4.8 M4.5 M4 M
Slightly volatile
Interest Expense153 M145.8 M42.2 M
Slightly volatile
Selling General Administrative5.2 M5.4 M55.5 M
Pretty Stable
Selling And Marketing Expenses3.5 M3.3 M2.8 M
Slightly volatile
Total Revenue179.3 M271.4 M137.9 M
Slightly volatile
Gross Profit158.6 M271.4 M123.7 M
Slightly volatile
Other Operating Expenses8.3 M8.8 M70.7 M
Slightly volatile
Operating Income275.8 M262.6 M64.4 M
Slightly volatile
Net Income From Continuing Ops26.3 M27.4 M18.7 M
Slightly volatile
EBIT17.5 M18.4 M28.3 M
Slightly volatile
EBITDA41.8 M23.7 M33.5 M
Slightly volatile
Cost Of Revenue244.6 M232.9 M100.2 M
Slightly volatile
Income Before Tax33.5 M34.3 M24 M
Slightly volatile
Net Income Applicable To Common Shares55 M52.4 M22.9 M
Slightly volatile
Net Income24.7 M27.4 M17.6 M
Slightly volatile
Income Tax Expense8.8 M6.8 M6.4 M
Slightly volatile
Tax Provision9.7 M6.8 M6.9 M
Slightly volatile
Net Interest Income115.3 M125.7 M89.1 M
Slightly volatile
Interest Income161.7 M271.4 M122.9 M
Slightly volatile
Reconciled Depreciation5.4 M4.5 M4.1 M
Slightly volatile

HarborOne Bancorp Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation358.1 K377 K6.3 M
Slightly volatile
Begin Period Cash Flow32.6 M34.3 M92.8 M
Pretty Stable
Other Cashflows From Financing Activities1.4 M1.5 M190.8 M
Very volatile
Depreciation4.8 M4.5 M4 M
Slightly volatile
Capital Expenditures1.2 M1.2 M2.8 M
Slightly volatile
Net Income24.7 M27.4 M17.6 M
Slightly volatile
End Period Cash Flow15 M15.8 M94.4 M
Slightly volatile
Dividends Paid12.5 M13.1 M107.5 M
Slightly volatile
Cash And Cash Equivalents Changes23.8 M28.4 M18.6 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.711.79674.5915
Slightly volatile
Dividend Yield0.01410.02690.0098
Slightly volatile
PTB Ratio1.510.84811.6008
Slightly volatile
Days Sales Outstanding19.1124.735624.6218
Pretty Stable
Book Value Per Share7.5413.94957.7492
Slightly volatile
Stock Based Compensation To Revenue0.00130.00140.018
Slightly volatile
Capex To Depreciation0.670.880.7351
Slightly volatile
PB Ratio1.510.84811.6008
Slightly volatile
EV To Sales6.373.53757.3293
Slightly volatile
ROIC0.630.60220.0929
Slightly volatile
Net Income Per Share0.360.66490.3437
Slightly volatile
Payables Turnover82.3278.438.8105
Slightly volatile
Sales General And Administrative To Revenue0.0190.020.4577
Slightly volatile
Capex To Revenue0.01940.02470.0233
Pretty Stable
Cash Per Share5.425.60575.87
Slightly volatile
Interest Coverage1.661.80191.8383
Slightly volatile
Payout Ratio0.280.47830.1738
Slightly volatile
Days Payables Outstanding4.584.8291.0524
Slightly volatile
ROE0.03280.04770.0338
Slightly volatile
PE Ratio16.917.792676.421
Slightly volatile
Return On Tangible Assets0.00420.00480.0042
Slightly volatile
Earnings Yield0.02990.05620.0291
Slightly volatile
Intangibles To Total Assets0.01380.01040.0134
Slightly volatile
Current Ratio36.0437.9413274
Pretty Stable
Tangible Book Value Per Share6.412.49886.6699
Slightly volatile
Receivables Turnover17.9114.75615.5712
Pretty Stable
Graham Number7.5814.44587.4397
Slightly volatile
Shareholders Equity Per Share7.5413.94957.7492
Slightly volatile
Debt To Equity0.990.89831.1292
Slightly volatile
Capex Per Share0.05640.09330.0589
Slightly volatile
Revenue Per Share6.916.58422.9265
Slightly volatile
Interest Debt Per Share16.8716.06747.9859
Slightly volatile
Debt To Assets0.110.08980.1145
Slightly volatile
Enterprise Value Over EBITDA19.2137.4830.0184
Slightly volatile
Price Earnings Ratio16.917.792676.421
Slightly volatile
Price Book Value Ratio1.510.84811.6008
Slightly volatile
Days Of Payables Outstanding4.584.8291.0524
Slightly volatile
Dividend Payout Ratio0.280.47830.1738
Slightly volatile
Pretax Profit Margin0.130.12620.1374
Slightly volatile
Ebt Per Ebit0.120.13040.4202
Slightly volatile
Operating Profit Margin1.020.96770.3771
Slightly volatile
Effective Tax Rate0.310.20.3001
Slightly volatile
Company Equity Multiplier9.5610.00539.3538
Slightly volatile
Long Term Debt To Capitalization0.340.34630.3562
Slightly volatile
Total Debt To Capitalization0.480.47320.4908
Slightly volatile
Return On Capital Employed0.0480.04570.0156
Slightly volatile
Debt Equity Ratio0.990.89831.1292
Slightly volatile
Ebit Per Revenue1.020.96770.3771
Slightly volatile
Quick Ratio36.0437.9413286
Very volatile
Net Income Per E B T0.580.80.693
Slightly volatile
Cash Ratio6.376.705717.5661
Pretty Stable
Days Of Sales Outstanding19.1124.735624.6218
Pretty Stable
Free Cash Flow Operating Cash Flow Ratio1.141.051.0204
Pretty Stable
Price To Book Ratio1.510.84811.6008
Slightly volatile
Fixed Asset Turnover3.145.86793.4703
Slightly volatile
Enterprise Value Multiple19.2137.4830.0184
Slightly volatile
Debt Ratio0.110.08980.1145
Slightly volatile
Price Sales Ratio1.711.79674.5915
Slightly volatile
Return On Assets0.00410.00480.0041
Slightly volatile
Asset Turnover0.03320.04720.0378
Slightly volatile
Net Profit Margin0.0960.1010.0986
Slightly volatile
Gross Profit Margin0.01270.01330.5603
Slightly volatile
Price Fair Value1.510.84811.6008
Slightly volatile
Return On Equity0.03280.04770.0338
Slightly volatile

HarborOne Bancorp Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap446 M487.6 M514.9 M
Slightly volatile
Enterprise Value632.7 M960.1 M756.2 M
Slightly volatile

HarborOne Fundamental Market Drivers

Forward Price Earnings12.7551
Cash And Short Term Investments231.1 M

HarborOne Upcoming Events

25th of January 2024
Upcoming Quarterly Report
View
25th of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
25th of January 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About HarborOne Bancorp Financial Statements

HarborOne Bancorp stakeholders use historical fundamental indicators, such as HarborOne Bancorp's revenue or net income, to determine how well the company is positioned to perform in the future. Although HarborOne Bancorp investors may analyze each financial statement separately, they are all interrelated. For example, changes in HarborOne Bancorp's assets and liabilities are reflected in the revenues and expenses on HarborOne Bancorp's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in HarborOne Bancorp. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Current Deferred Revenue-6 M-6.3 M
Total Revenue271.4 M179.3 M
Cost Of Revenue232.9 M244.6 M
Sales General And Administrative To Revenue 0.02  0.02 
Capex To Revenue 0.02  0.02 
Revenue Per Share 6.58  6.91 
Ebit Per Revenue 0.97  1.02 

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When determining whether HarborOne Bancorp is a strong investment it is important to analyze HarborOne Bancorp's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact HarborOne Bancorp's future performance. For an informed investment choice regarding HarborOne Stock, refer to the following important reports:
How To Invest In HarborOne
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Largest Regional Banks Companies
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View
Check out the analysis of HarborOne Bancorp Correlation against competitors.
For information on how to trade HarborOne Stock refer to our How to Trade HarborOne Stock guide.
You can also try the Performance Analysis module to check effects of mean-variance optimization against your current asset allocation.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of HarborOne Bancorp. If investors know HarborOne will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about HarborOne Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.51)
Dividend Share
0.32
Earnings Share
0.66
Revenue Per Share
3.986
Quarterly Revenue Growth
0.149
The market value of HarborOne Bancorp is measured differently than its book value, which is the value of HarborOne that is recorded on the company's balance sheet. Investors also form their own opinion of HarborOne Bancorp's value that differs from its market value or its book value, called intrinsic value, which is HarborOne Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because HarborOne Bancorp's market value can be influenced by many factors that don't directly affect HarborOne Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
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Please note, there is a significant difference between HarborOne Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if HarborOne Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, HarborOne Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
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