HarborOne Bancorp, Inc. (HONE)

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HarborOne Bancorp, Inc.

HONE • CIK 0001769617

(in thousands, except per share data)	FY 2022	FY 2023	FY 2024	TTM
Interest and Fee Income, Loans and Leases Held-in-portfolio	$162,340	$225,898	$247,459	$246,672
Interest and Fee Income, Loans and Leases Held-for-sale	$1,306	$1,351	$1,653	$1,778
Interest Income, Securities, Operating, Taxable	$7,590	$8,118	$8,147	$8,079
Interest Income (Expense), Net	$148,986	$127,271	$125,652	$128,404
Other Interest and Dividend Income	$694	$8,921	$14,149	$10,063
Provision for Loan, Lease, and Other Losses	$5,660	$5,680	$8,277	$9,954
Interest and Dividend Income, Operating	$171,930	$244,288	$271,408	$266,592
Interest Income (Expense), after Provision for Loan Loss	$143,326	$121,591	$117,375	$118,450
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	$61,729	$25,125	$34,257	$32,758
Income Tax Expense (Benefit)	$16,140	$9,048	$6,850	$6,389
Net Income (Loss) Attributable to Parent	$45,589	$16,077	$27,407	$26,369
Interest Expense, Deposits	$15,630	$88,324	$114,103	$115,551
Interest Expense, Subordinated Notes and Debentures	$2,095	$2,775	$2,775	$2,775
InterestExpenseOperating	—	—	$145,756	$138,188
Debt and Equity Securities, Realized Gain (Loss)	—	—	$-1,041	$-1,041
Bank Owned Life Insurance Income	$1,981	$2,749	$3,050	$3,051
Noninterest Income, Other Operating Income	$4,357	$3,690	$2,361	$3,005
Noninterest Income	$57,309	$41,854	$46,917	$46,369
Labor and Related Expense	$83,273	$73,917	$74,016	$74,978
Occupancy, Net	$19,767	$18,773	$18,522	$18,000
Information Technology and Data Processing	$9,170	$9,771	$10,191	$10,584
Loan Processing Fee	$1,387	$798	$1,814	$1,827
Marketing Expense	$3,916	$3,711	$3,332	$2,601
Supplies and Postage Expense	$1,610	$1,597	$1,560	$1,470
Professional Fees	$6,122	$5,679	$5,436	$5,409
Federal Deposit Insurance Corporation Premium Expense	—	$3,485	$4,348	$4,348
Goodwill, Impairment Loss	$0	$10,760	$0	$0
Other Noninterest Expense	$9,823	$7,862	$7,997	$8,384
Noninterest Expense	$138,906	$138,320	$130,035	$132,061
Weighted Average Number of Shares Outstanding, Basic	46,483,664	43,221,738	41,220,885	39,751,571
Weighted Average Number of Shares Outstanding, Diluted	47,118,457	43,419,622	41,472,106	40,084,101
Gain (Loss) on Sale of Mortgage Loans	$15,970	$10,404	$12,860	$13,798
Servicing Asset at Fair Value, Period Increase (Decrease)	$-5,332	$4,684	$-3,704	$-7,243

(in thousands, except per share data)	FY 2022	FY 2023	FY 2024	TTM
Cash and Due from Banks	$39,712	$38,876	$44,090	$47,348
Cash Equivalents, at Carrying Value	$58,305	$188,474	$186,981	$155,705
Cash and Cash Equivalents, at Carrying Value	$98,017	$227,350	$231,071	$203,053
DebtSecuritiesAvailableForSaleExcludingAccruedInterest	$301,149	$290,151	$263,904	$287,266
DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss	$19,949	$19,796	$19,627	$19,212
Federal Home Loan Bank Stock	$20,071	$27,098	$23,277	$20,538
Disposal Group, Including Discontinued Operation, Assets	$881	$348	$348	$348
Loans Held-for-sale, Fair Value Disclosure	$18,544	$19,686	$36,768	$29,091
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss	$15,425	$4,750,311	$4,852,499	$4,727,232
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest	—	$47,972	$56,101	$47,964
FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss	—	$4,702,339	$4,796,398	$4,679,268
Interest Receivable	$15,139	$18,169	$18,393	$16,786
Servicing Asset at Fair Value, Amount	$48,138	$46,111	$44,500	$41,172
Property, Plant and Equipment, Net	$49,045	$48,749	$46,253	$44,769
Assets for Plan Benefits, Defined Benefit Plan	$14,630	$15,170	$15,698	$15,938
Bank Owned Life Insurance	$91,953	$94,675	$97,726	$99,231
Goodwill	$69,802	$59,042	$59,042	$59,042
Intangible Assets, Net (Excluding Goodwill)	$2,272	$1,515	$757	$378
Other Assets	$106,402	$97,697	$99,719	$93,331
Assets	$5,359,545	$5,667,896	$5,753,133	$5,609,075
Long-term Debt, Excluding Current Maturities	$15,675	—	$516,555	$439,652
Interest Payable	$2,325	$5,251	$6,575	$5,198
Accrued Liabilities and Other Liabilities	$106,248	$114,143	$95,702	$81,067
Liabilities	$4,742,569	$5,084,137	$5,178,122	$5,028,928
Common Stock, Value, Issued	$596	$598	$598	$598
Additional Paid in Capital, Common Stock	$483,031	$486,502	$489,532	$491,251
Unearned ESOP Shares	$27,623	$25,785	$23,947	$23,028
Retained Earnings (Accumulated Deficit)	$356,438	$359,656	$373,861	$380,136
Treasury Stock, Common, Value	—	$193,590	$215,138	$224,602
Accumulated Other Comprehensive Income (Loss), Net of Tax	$-47,082	$-43,622	$-49,895	$-44,208
Stockholders' Equity Attributable to Parent	$616,976	$583,759	$575,011	$580,147
Demand Deposit Accounts	$762,576	$659,973	$690,647	$713,753
Deposits, Money Market Deposits	$861,704	$966,201	$1,195,209	$1,175,499
Deposits	$4,189,499	$4,387,409	$4,550,753	$4,493,671
Debt Securities, Held-to-maturity, Fair Value	$19,274	$19,262	$19,285	$19,146
Common Stock, Shares Authorized	150,000,000	150,000,000	150,000,000	150,000,000
Common Stock, Shares, Issued	60,061,527	60,255,288	60,517,573	60,739,847
Common Stock, Shares, Outstanding	48,961,452	45,401,224	43,723,278	43,075,333
Treasury Stock, Common, Shares	11,100,075	14,854,064	16,794,295	17,664,514

(in thousands, except per share data)	FY 2022	FY 2023	FY 2024	TTM
Net Income (Loss), Including Portion Attributable to Noncontrolling Interest	$45,589	$16,077	$27,407	$26,369
Net Cash Provided by (Used in) Operating Activities	$68,899	$53,508	$3,840	$46,784
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect	$-96,702	$129,333	$3,721	$-32,009
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	$98,017	$227,350	$231,071	$68,122
Provision for Loan, Lease, and Other Losses	$5,660	$5,680	$8,277	$9,954
Accretion (Amortization) of Discounts and Premiums, Investments	$-943	$-433	$-365	$-322
Payments for (Proceeds from) Federal Home Loan Bank Stock	$14,140	$7,027	$-3,821	$-4,773
Proceeds from Sale of Property Held-for-sale	$685	$874	$1,482	$1,482
Amortization of Deferred Loan Origination Fees, Net	$399	$190	$404	$611
Depreciation, Depletion and Amortization	$3,924	$3,843	$3,734	$3,633
Mortgage Servicing Rights (MSR) Impairment (Recovery)	$-5,332	$4,684	$2,718	$5,580
Payments for (Proceeds from) Loans and Leases	$688,689	$170,145	$91,895	$-114,731
Proceeds from Sale of Other Real Estate	$327	$267	$115	$11
Payments to Acquire Property, Plant, and Equipment	$2,265	$4,481	$1,238	$1,255
Goodwill, Impairment Loss	$0	$10,760	$0	$0
Net Cash Provided by (Used in) Investing Activities	$-952,018	$-196,713	$-76,698	$97,832
Amortization of Intangible Assets	$892	$757	$758	$758
Amortization of Debt Issuance Costs	$126	$715	$0	$0
Debt and Equity Securities, Realized Gain (Loss)	—	—	$-1,041	$-1,041
Bank Owned Life Insurance Income	$1,981	$2,749	$3,050	$3,051
Disposal Group, Not Discontinued Operation, Loss (Gain) on Write-down	—	$196	$196	$196
Gain (Loss) on Disposition of Property Plant Equipment	$-41	$-19	$-19	—
Disposal Group, Not Discontinued Operation, Gain (Loss) on Disposal	$-196	$305	$1,809	$1,809
Gains (Losses) on Sales of Other Real Estate	$30	$9	$5	$-5
Deferred Income Tax Expense (Benefit)	$3,162	$-1,778	$-5,053	$-5,053
Employee Stock Ownership Plan (ESOP), Compensation Expense	$3,278	$2,501	$2,664	$2,741
Share-based Payment Arrangement, Noncash Expense	$3,305	$2,168	$2,071	$2,235
Increase (Decrease) in Deposits	$506,725	$197,806	$163,344	$35,374
Proceeds from (Repayments of) Short-term Debt	$385,000	$-82,000	$-91,000	$66,000
Proceeds from FHLBank Borrowings, Financing Activities	—	$325,000	$427,526	$300
Payments of FHLBank Borrowings, Financing Activities	—	$75,213	$388,433	$246,020
Repayments of Subordinated Debt	—	$35,000	$35,000	$35,000
Proceeds from Stock Options Exercised	$8,363	$642	$133	$133
Payments for Repurchase of Common Stock	$62,525	$45,206	$21,548	$18,658
Payments of Dividends	$12,188	$12,826	$13,108	$13,462
Net Cash Provided by (Used in) Financing Activities	$786,417	$272,538	$76,579	$-176,625
Income Taxes Paid, Net	$11,674	$10,975	$9,843	$10,134
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale	$43,426	$21,414	$20,680	$19,603
Payments to Acquire Debt Securities, Available-for-sale	$16,102	$4,606	$15,634	$29,764
Proceeds from Sale of Debt Securities, Available-for-sale	$39,321	$39,321	$16,584	$16,584
Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities	$432	$160	$176	$522
Payments to Acquire Held-to-maturity Securities	$19,949	$19,949	$19,949	$19,949
IncreaseDecreaseInOperatingLeaseLiability	$220	$-4,067	$-1,840	$-1,968
Increase (Decrease) in Other Operating Assets	$20,388	$192	$1,304	$-28,500
Increase (Decrease) in Other Operating Liabilities	$8,954	$15,799	$-15,089	$-35,764

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Import this data to Google Sheets with:

=jivedata("HONE","financials")

Full statements spill as a table. For one cell: =jivedata("HONE","Revenue") or =jivedata("HONE","Revenue","TTM"). Install the Jive Data add-on, then paste into a cell.