HarborOne Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Interest Income	128.4	125.65	127.27	148.99	131.37	120.07
Net Interest Income Growth	4.63%	-1.27%	-14.57%	13.41%	9.41%	10.09%
Non-Interest Income	46.37	46.92	41.85	57.31	100.69	138.68
Non-Interest Income Growth	7.43%	12.10%	-26.97%	-43.08%	-27.40%	130.77%
Revenues Before Loan Losses	174.77	172.57	169.13	206.3	232.06	258.75
Provision for Credit Losses	9.95	8.28	5.68	5.66	-7.26	34.82
Revenue	164.82	164.29	163.45	200.64	239.31	223.93
Revenue Growth (YoY)	-0.06%	0.52%	-18.54%	-16.16%	6.87%	36.20%
Compensation Expenses	74.98	74.02	73.92	83.27	101.92	105.62
Selling, General & Admin	38.06	39.04	39.53	40.59	39.94	37.32
Other Non-Interest Expenses	17.31	16.98	24.87	15.05	17	22.99
Total Non-Interest Expense	130.35	130.04	138.32	138.91	158.86	165.92
Pretax Income	32.76	34.26	25.13	61.73	80.45	58.01
Provision for Income Taxes	6.39	6.85	9.05	16.14	21.94	13.22
Net Income	26.37	27.41	16.08	45.59	58.52	44.79
Net Income to Common	26.37	27.41	16.08	45.59	58.52	44.79
Net Income Growth	65.87%	70.47%	-64.73%	-22.09%	30.64%	145.19%
Shares Outstanding (Basic)	40	41	43	46	51	54
Shares Outstanding (Diluted)	41	41	43	47	52	54
Shares Change (YoY)	-3.36%	-4.49%	-7.85%	-8.55%	-5.15%	-2.53%
EPS (Basic)	0.65	0.66	0.37	0.98	1.15	0.82
EPS (Diluted)	0.65	0.66	0.37	0.97	1.14	0.82
EPS Growth	66.67%	78.38%	-61.86%	-14.91%	39.02%	148.49%
Free Cash Flow	45.53	2.6	49.03	66.63	217.84	-32.69
Free Cash Flow Growth	1649.77%	-94.69%	-26.42%	-69.41%	-	-
Free Cash Flow Per Share	1.12	0.06	1.13	1.41	4.23	-0.60
Dividends Per Share	0.340	0.320	0.300	0.280	0.200	0.090
Dividend Growth	6.25%	6.67%	7.14%	40.00%	122.22%	-
Profit Margin	16.00%	16.68%	9.84%	22.72%	24.45%	20.00%
FCF Margin	27.62%	1.58%	30.00%	33.21%	91.03%	-14.60%
EBITDA	4.39	4.49	3.84	4.81	5.62	5.68
EBITDA Margin	2.66%	2.73%	2.35%	2.40%	2.35%	2.53%
Effective Tax Rate	19.50%	20.00%	36.01%	26.15%	27.26%	22.78%

Updated Aug 5, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q