HarborOne Bancorp Cash Flow 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 Income	26.37	27.41	16.08	45.59	58.52	44.79
Depreciation & Amortization	4.39	4.49	4.6	4.82	5.62	5.68
Other Amortization	-	-	0.72	0.13	0.13	0.13
Gain (Loss) on Sale of Assets	0.05	-1.81	-0.3	0.21	-0.24	0.06
Gain (Loss) on Sale of Investments	0.32	1.41	0.43	0.94	3.45	-0.27
Total Asset Writedown	-	-	10.76	-	-	-
Provision for Credit Losses	9.44	7.75	5.31	4.46	-10.71	30.64
Net Decrease (Increase) in Loans Originated / Sold - Operating	26.59	-4.19	9.46	42.01	216.62	13.96
Change in Other Net Operating Assets	-7.33	-16.31	15.61	-11.38	9.61	-2.14
Other Operating Activities	-4.16	-6.75	-3.23	-9.54	-11.99	-13.56
Operating Cash Flow	46.78	3.84	53.51	68.9	224.3	-26.95
Operating Cash Flow Growth	-	-92.82%	-22.34%	-69.28%	-	-
Capital Expenditures	-1.26	-1.24	-4.48	-2.27	-6.46	-5.74
Sale of Property, Plant and Equipment	-	1.48	0.87	0.69	-	8.54
Investment in Securities	-9.64	21.81	16.97	7.38	-128.72	-8.18
Net Decrease (Increase) in Loans Originated / Sold - Investing	103.94	-102.68	-203.31	-944	-110.25	-323.55
Other Investing Activities	4.78	3.94	-6.76	-13.81	4.38	10.09
Investing Cash Flow	97.83	-76.7	-196.71	-952.02	-241.05	-318.85
Short-Term Debt Issued	-	-	-	385	-	-
Long-Term Debt Issued	-	427.53	325	-	3.4	40
Total Debt Issued	0.3	427.53	325	385	3.4	40
Short-Term Debt Repaid	-	-91	-82	-	-35	-148
Long-Term Debt Repaid	-	-388.43	-110.21	-40.04	-61.79	-97.04
Total Debt Repaid	-180.02	-479.43	-192.21	-40.04	-96.79	-245.04
Net Debt Issued (Repaid)	-179.72	-51.91	132.79	344.96	-93.39	-205.04
Issuance of Common Stock	0.13	0.13	0.64	8.36	0.64	-
Repurchase of Common Stock	-18.66	-21.55	-45.21	-62.53	-69.22	-15.92
Common Dividends Paid	-13.46	-13.11	-12.83	-12.19	-9.2	-3.26
Net Increase (Decrease) in Deposit Accounts	35.37	163.34	197.81	506.73	176.04	562.59
Other Financing Activities	-0.29	-0.34	-0.67	1.08	0.72	1.68
Financing Cash Flow	-176.63	76.58	272.54	786.42	5.61	340.06
Net Cash Flow	-32.01	3.72	129.33	-96.7	-11.15	-5.75
Free Cash Flow	45.53	2.6	49.03	66.63	217.84	-32.69
Free Cash Flow Growth	-	-94.69%	-26.42%	-69.41%	-	-
Free Cash Flow Margin	27.62%	1.58%	30.00%	33.21%	91.03%	-14.60%
Free Cash Flow Per Share	1.12	0.06	1.13	1.41	4.23	-0.60
Cash Interest Paid	141.03	144.25	115	21.02	12.67	29.16
Cash Income Tax Paid	10.13	9.84	10.98	11.67	20.89	18.09

Updated Aug 5, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q