HarborOne Bancorp, Inc.

HONE

HONEHarborOne Bancorp, Inc. US flag

NASDAQ Global Select

12.10

USD

-0.22

- -

522.22MMarket Cap

Income Statement (USD)

API Chat

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Sales/Revenue/Turnover	59	82	117	121	131	162	247	225	203	166	168
+ Sales & Services Revenue	59	82	117	121	131	162	247	225	203	166	168
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	33	50	74	73	77	93	110	107	89	81	82
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-33	-50	-74	-73	-77	-93	-110	-107	-89	-81	-82
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-4	-8	-9	-17	-14	-23	-58	-80	-62	-25	-34
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-4	-8	-9	-17	-14	-23	-58	-80	-62	-25	-34
Pretax Income	4	8	9	17	14	23	58	80	62	25	34
- Income Tax Expense (Benefit)	1	3	3	7	3	4	13	22	16	9	7
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	3	6	6	10	11	18	45	59	46	16	27
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	3	6	6	10	11	18	45	59	46	16	27
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	3	6	6	10	11	18	45	59	46	16	27
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	3	6	6	10	11	18	45	59	46	16	27
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	3	3	3	3	4	7	6	6	5	5	4
EBITDA Margin (%)	4.7	3.47	2.32	2.51	3	4.15	2.3	2.5	2.38	2.77	2.67
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	4.39	7.01	5.08	8.6	8.67	11.26	18.13	26.06	22.51	9.66	16.32
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	0.06	0.18	0.26	0.3	0.32
Depreciation Expense	3	3	3	3	4	7	6	6	5	5	4
Basic Weighted Avg Shares	58	58	58	56	57	56	54	51	46	43	41
Basic EPS, GAAP	0.04	0.1	0.1	0.19	0.2	0.33	0.82	1.15	0.98	0.37	0.66
Basic EPS from Cont Ops	0.04	0.1	0.1	0.19	0.2	0.33	0.82	1.15	0.98	0.37	0.66
Diluted Weighted Avg Shares	58	58	58	56	57	56	54	52	47	43	41
Diluted EPS, GAAP	0.04	0.1	0.1	0.19	0.2	0.33	0.82	1.14	0.97	0.37	0.66
Diluted EPS from Cont Ops	0.04	0.1	0.1	0.19	0.2	0.33	0.82	1.14	0.97	0.37	0.66

Balance Sheet (USD)

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	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	201	169	187	252	315	451	482	589	399	518	495
+ Cash & Cash Equivalents	53	41	50	81	106	212	206	195	98	227	231
+ ST Investments	148	129	136	171	209	239	276	394	301	290	264
+ Accounts & Notes Receiv	4	5	6	7	10	10	12	11	15	18	18
+ Accounts Receivable, Net	4	5	6	7	10	10	12	11	15	18	18
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-205	-174	-192	-258	-325	-461	-494	-599	-414	-536	-513
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	25	25	24	24	57	48	50	51	49	49	46
+ Property, Plant & Equip	49	51	53	56	92	69	75	79	81	81	80
- Accumulated Depreciation	24	26	29	32	35	21	25	28	32	32	34
+ LT Investments & Receivables	206	192	184	218	254	266	276	394	321	310	284
+ LT Investments	206	192	184	218	254	266	276	394	321	310	284
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-232	-217	-209	-242	-311	-314	-326	-445	-370	-359	-330
+ Total Intangible Assets	5	27	34	35	101	93	99	111	120	107	104
+ Goodwill	3	13	13	13	78	70	70	70	70	59	59
+ Other Intangible Assets	2	13	21	21	22	23	29	41	50	48	45
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-237	-243	-242	-277	-412	-407	-425	-556	-490	-465	-434
Total Assets	2,042	2,163	2,448	2,685	3,653	4,059	4,484	4,553	5,360	5,668	5,753
+ Payables & Accruals	1	1	1	1	2	2	1	1	2	5	7
+ Accounts Payable	1	1	1	1	2	2	1	1	2	5	7
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	70	- -	80	44	290	183	35	- -	385	303	212
+ ST Borrowings	70	- -	80	44	290	183	35	- -	385	303	212
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-71	-1	-81	-45	-292	-185	-36	-1	-387	-308	-219
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-71	-1	-81	-45	-292	-185	-36	-1	-387	-308	-219
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	260	250	195	246	264	205	148	90	50	265	305
+ LT Borrowings	260	250	195	246	264	205	148	90	50	265	305
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-260	-250	-195	-246	-264	-205	-148	-90	-50	-265	-305
+ Accrued Liabilities	- -	1	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-260	-251	-195	-246	-264	-205	-148	-90	-50	-265	-305
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	1,858	1,972	2,119	2,341	3,296	3,393	3,787	3,874	4,743	5,084	5,178
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	- -	- -	145	147	152	461	465	471	484	487	490
+ Common Stock	- -	- -	- -	- -	- -	1	1	1	1	1	1
+ Additional Paid in Capital	- -	- -	144	147	152	460	464	470	483	487	490
- Treasury Stock	- -	- -	- -	- -	2	1	17	86	148	194	215
+ Retained Earnings	184	191	197	208	219	237	277	326	356	360	374
+ Other Equity	- -	-1	-1	-1	-2	1	2	-2	-47	-44	-50
Equity Before Minority Interest	183	191	329	343	358	666	696	679	617	584	575
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	183	191	329	343	358	666	696	679	617	584	575
Total Liabilities & Equity	2,042	2,163	2,448	2,685	3,653	4,059	4,484	4,553	5,360	5,668	5,753
Shares Outstanding	58	58	58	59	58	58	57	52	49	45	44
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	277	209	225	210	448	176	-23	-105	337	341	285
Net Debt to Equity	150.78	109.57	68.28	61.01	125.35	26.5	-3.27	-15.44	54.61	58.43	49.65
Tangible Common Equity Ratio	8.74	7.68	12.24	11.65	7.23	14.44	13.62	12.79	9.48	8.58	8.33
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

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	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
+ Net Income	3	6	6	10	11	18	45	59	46	16	27
+ Depreciation & Amortization	3	3	3	3	4	7	6	6	5	5	4
+ Non-Cash Items	10	5	5	8	34	-53	-75	151	30	17	-12
+ Stock-Based Compensation	- -	- -	1	3	6	8	6	7	7	5	5
+ Deferred Income Taxes	- -	1	-1	-1	-1	-1	-4	6	3	-2	-5
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	11	- -
+ Other Non-Cash Adj	10	4	5	5	29	-60	-77	137	20	4	-11
+ Chg in Non-Cash Work Cap	3	16	-18	23	12	-8	-2	10	-11	16	-16
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	3	16	-18	23	12	-8	-2	10	-11	16	-16
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	19	29	-4	44	61	-36	-27	224	69	54	4
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	-1	-2	-3	-6	-4	-6	-6	-2	-4	-1
+ Acq of Fixed Prod Assets	-1	-1	-2	-3	-6	-4	-6	-6	-2	-4	-1
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	141	- -	-1	303	-16	-69	-63	-45	-22
+ Increase in Capital Stock	- -	- -	141	- -	- -	304	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	-1	-1	-16	-69	-63	-45	-22
+ Net Change in LT Investment	-14	13	6	-34	-39	-6	-8	-129	7	17	22
+ Dec in LT Investment	89	66	50	25	29	103	183	188	43	22	37
+ Inc in LT Investment	-103	-53	-44	-59	-68	-109	-192	-317	-36	-5	-16
+ Net Cash From Acq & Div	- -	-19	- -	- -	-74	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	-19	- -	- -	-74	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-101	-73	-258	-200	-97	-219	-305	-106	-957	-209	-97
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-116	-80	-254	-237	-216	-229	-319	-241	-952	-197	-77
+ Dividends Paid	- -	- -	- -	- -	- -	- -	-3	-9	-12	-13	-13
+ Net Cash From Debt	-35	-84	-54	51	16	-59	-57	-58	-40	215	39
+ Cash From Debt	30	45	20	91	132	31	40	3	- -	325	428
+ Repayments of Debt	-65	-129	-75	-40	-116	-90	-97	-62	-40	-110	-388
+ Other Financing Activities	110	122	182	173	165	127	416	142	901	116	72
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	75	38	268	224	179	371	340	6	786	273	77
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-22	-12	10	31	25	106	-6	-11	-97	129	4
EBITDA	3	3	3	3	4	7	6	6	5	5	4
EBITDA Margin (%)	4.7	3.47	2.32	2.51	3	4.15	2.3	2.5	2.38	2.77	2.67
Free Cash Flow	17	28	-6	41	56	-41	-33	218	67	49	3
Net Cash Paid for Acquisitions	- -	19	- -	- -	74	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	17	28	-6	41	56	-41	-33	218	67	49	3
Free Cash Flow to Equity	- -	-56	-61	92	71	-99	-90	159	27	264	42
Free Cash Flow per Basic Share	0.3	0.48	-0.11	0.73	0.98	-0.73	-0.6	4.29	1.43	1.13	0.06
Price/Free Cash Flow	- -	- -	-258.02	11.5	6.8	-17.46	-25.38	3.06	8.69	8.66	96.62
Cash Flow to Net Income	7.26	5.09	-0.73	4.23	5.37	-1.98	-0.6	3.83	1.51	3.33	0.14
Capital Expenditures	-1	-1	-2	-3	-6	-4	-6	-6	-2	-4	-1