HarborOne Bancorp, Inc. (HONE)

HarborOne Bancorp Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	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%	-	-

Investing Activities

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
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

Financing Activities

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Cash Flow	-32.01	3.72	129.33	-96.7	-11.15	-5.75

Free Cash Flow

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
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

Additional Metrics

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
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

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2025

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jan 1, 2000

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