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	3.84	4.81	5.62	5.68
Provision for Credit Losses	9.95	8.28	5.68	5.66	-7.26	34.82
Stock-Based Compensation	4.98	4.74	4.67	6.58	6.95	5.78
Net Change in Loans Held-for-Sale	26.59	-4.19	9.46	42.01	216.62	13.96
Other Adjustments	-12.97	-20.58	-2.58	-24.29	-65.42	-129.93
Changes in Other Operating Activities	-7.33	-16.31	15.61	-11.38	9.61	-2.14
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%	-	-
Net Change in Loans Held-for-Investment	114.73	-102.68	-203.31	-944	-110.25	-323.55
Net Change in Securities and Investments	24.38	25.63	9.94	-6.77	-125.92	-8.18
Capital Expenditures	-1.26	-1.24	-4.48	-2.27	-6.46	-5.74
Sale of Property, Plant & Equipment	-	1.6	1.14	1.01	1.58	10.09
Investing Cash Flow	97.83	-76.7	-196.71	-952.02	-241.05	-318.85
Net Change in Deposits	35.37	163.34	197.81	506.73	176.04	562.59
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	66	-91	-82	385	-35	-148
Long-Term Debt Issued	-	427.53	325	-	3.4	40
Long-Term Debt Repaid	-246.02	-388.43	-110.21	-40.04	-61.79	-97.04
Net Long-Term Debt Issued (Repaid)	-246.02	39.09	214.79	-40.04	-58.39	-57.04
Issuance of Common Stock	-	0.13	0.64	8.36	0.64	-
Repurchase of Common Stock	-18.66	-21.55	-45.21	-62.53	-69.22	-15.92
Net Common Stock Issued (Repurchased)	-18.66	-21.42	-44.56	-54.16	-68.57	-15.92
Common Dividends Paid	-13.46	-13.11	-12.83	-12.19	-9.2	-3.26
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
Beginning Cash & Cash Equivalents	235.06	227.35	98.02	194.72	205.87	211.62
Ending Cash & Cash Equivalents	203.05	231.07	227.35	98.02	194.72	205.87
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%	-	-
FCF 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
Levered Free Cash Flow	-223.84	53.45	245.83	-3.27	8.9	-14.45
Unlevered Free Cash Flow	-4.19	-13.05	14.97	-8.83	8.77	-2.21

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

SEC Filings: 10-K · 10-Q