HarborOne Historical Income Statement

HONE Stock

USD 12.88 0.04 0.31%

Historical analysis of HarborOne Bancorp income statement accounts such as Selling General Administrative of 82.7 M or Selling And Marketing Expenses of 3.5 M can show how well HarborOne Bancorp performed in making a profits. Evaluating HarborOne Bancorp income statement over time to spot trends is a great complementary tool to traditional technical analysis and can indicate the direction of HarborOne Bancorp's future profits or losses.

Cash Flow Balance Sheet Income Statement

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Financial Statement Analysis is much more than just reviewing and examining HarborOne Bancorp latest accounting reports to predict its past. Macroaxis encourages investors to analyze financial statements over time for various trends across multiple indicators and accounts to determine whether HarborOne Bancorp is a good buy for the upcoming year.

Net Income Gross Profit

Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in HarborOne Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.

For information on how to trade HarborOne Stock refer to our How to Trade HarborOne Stock guide.

About HarborOne Income Statement Analysis

HarborOne Bancorp Income Statement consists of revenues and expenses along with the resulting net income or loss. It represents the profit for the accounting period attributable to HarborOne Bancorp shareholders. The income statement also shows HarborOne investors and management if the firm made money during the period reported. The result of an income statement is the net income that is calculated after subtracting the expenses from revenue. It is essential to investors both as an absolute measure as well as earnings per share (i.e., EPS).

HarborOne Bancorp Income Statement Chart

At present, HarborOne Bancorp's Interest Expense is projected to increase significantly based on the last few years of reporting. The current year's Selling General Administrative is expected to grow to about 82.7 M, whereas Gross Profit is forecasted to decline to about 144.7 M.

Depreciation And Amortization Selling General Administrative Selling And Marketing Expenses Total Revenue Gross Profit Tax Provision

Depreciation And Amortization

The systematic reduction in the recorded value of an intangible asset. This includes the allocation of the cost of tangible assets to periods in which the assets are used, representing the expense related to the wear and tear, deterioration, or obsolescence of physical assets and intangible assets over their useful lives.

Total Revenue

Total revenue comprises all receipts HarborOne Bancorp generated from the sale of its products or services. The total amount of income generated by the sale of goods or services related to the company's primary operations.

Gross Profit

Gross profit is a required income statement account that reflects total revenue of HarborOne Bancorp minus its cost of goods sold. It is profit before HarborOne Bancorp operating expenses, interest payments and taxes. Gross profit is also known as gross margin. The profit a company makes after deducting the costs associated with making and selling its products, or the costs associated with providing its services.

Tax Provision

The amount set aside by a company to cover any estimated taxes for the current period. It reflects the company's expected tax liabilities.

Most accounts from HarborOne Bancorp's income statement are interrelated and interconnected. However, analyzing income statement accounts one by one will only give a small insight into HarborOne Bancorp current financial condition. On the other hand, looking into the entire matrix of income statement accounts, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in HarborOne Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.

For information on how to trade HarborOne Stock refer to our How to Trade HarborOne Stock guide.At present, HarborOne Bancorp's Interest Expense is projected to increase significantly based on the last few years of reporting. The current year's Selling General Administrative is expected to grow to about 82.7 M, whereas Gross Profit is forecasted to decline to about 144.7 M.

	2021	2022	2023	2024 (projected)
Interest Expense	12.5M	22.9M	117.0M	122.9M
Depreciation And Amortization	5.6M	4.8M	4.6M	4.7M

Interest Expense Depreciation And Amortization

HarborOne Bancorp income statement Correlations

	Depreciation And Amortization	Interest Expense	Selling General Administrative	Selling And Marketing Expenses	Total Revenue	Gross Profit	Other Operating Expenses	Operating Income	Net Income From Continuing Ops	Ebit	Ebitda	Cost Of Revenue	Total Operating Expenses	Income Before Tax	Total Other Income Expense Net	Net Income	Income Tax Expense	Tax Provision	Net Interest Income	Interest Income	Reconciled Depreciation	Extraordinary Items
Depreciation And Amortization		0.39	0.84	0.77	0.85	0.66	0.81	0.58	0.78	0.46	0.53	0.86	-0.21	0.74	0.51	0.76	0.67	0.65	0.83	0.78	0.99	0.21
Interest Expense	0.39		0.34	0.45	0.32	0.31	0.27	0.03	0.28	-0.34	-0.3	0.66	0.71	0.13	0.51	0.12	0.17	0.2	0.51	0.69	0.46	0.92
Selling General Administrative	0.84	0.34		0.92	0.97	0.76	0.67	0.73	0.85	0.63	0.67	0.76	-0.24	0.84	0.21	0.84	0.81	0.77	0.86	0.76	0.83	0.22
Selling And Marketing Expenses	0.77	0.45	0.92		0.88	0.57	0.58	0.67	0.76	0.54	0.58	0.72	-0.02	0.72	0.3	0.71	0.73	0.69	0.89	0.83	0.76	0.35
Total Revenue	0.85	0.32	0.97	0.88		0.7	0.79	0.82	0.93	0.68	0.72	0.82	-0.2	0.91	0.13	0.92	0.88	0.86	0.91	0.79	0.83	0.22
Gross Profit	0.66	0.31	0.76	0.57	0.7		0.34	0.31	0.58	0.34	0.39	0.53	-0.39	0.54	0.15	0.55	0.51	0.49	0.5	0.5	0.66	0.25
Other Operating Expenses	0.81	0.27	0.67	0.58	0.79	0.34		0.72	0.85	0.49	0.54	0.87	-0.04	0.82	0.28	0.83	0.77	0.77	0.82	0.72	0.79	0.17
Operating Income	0.58	0.03	0.73	0.67	0.82	0.31	0.72		0.89	0.88	0.89	0.6	-0.13	0.94	-0.21	0.94	0.92	0.91	0.78	0.54	0.56	-0.04
Net Income From Continuing Ops	0.78	0.28	0.85	0.76	0.93	0.58	0.85	0.89		0.74	0.77	0.83	-0.09	0.98	0.05	0.97	0.97	0.97	0.92	0.78	0.76	0.25
Ebit	0.46	-0.34	0.63	0.54	0.68	0.34	0.49	0.88	0.74		1.0	0.29	-0.49	0.82	-0.37	0.82	0.8	0.77	0.56	0.3	0.4	-0.34
Ebitda	0.53	-0.3	0.67	0.58	0.72	0.39	0.54	0.89	0.77	1.0		0.35	-0.49	0.85	-0.31	0.85	0.82	0.79	0.61	0.36	0.46	-0.31
Cost Of Revenue	0.86	0.66	0.76	0.72	0.82	0.53	0.87	0.6	0.83	0.29	0.35		0.22	0.76	0.49	0.76	0.74	0.75	0.9	0.88	0.89	0.54
Total Operating Expenses	-0.21	0.71	-0.24	-0.02	-0.2	-0.39	-0.04	-0.13	-0.09	-0.49	-0.49	0.22		-0.2	0.2	-0.23	-0.1	-0.06	0.12	0.28	-0.14	0.75
Income Before Tax	0.74	0.13	0.84	0.72	0.91	0.54	0.82	0.94	0.98	0.82	0.85	0.76	-0.2		-0.02	1.0	0.98	0.98	0.85	0.65	0.72	0.07
Total Other Income Expense Net	0.51	0.51	0.21	0.3	0.13	0.15	0.28	-0.21	0.05	-0.37	-0.31	0.49	0.2	-0.02		-0.02	-0.03	-0.03	0.27	0.41	0.55	0.36
Net Income	0.76	0.12	0.84	0.71	0.92	0.55	0.83	0.94	0.97	0.82	0.85	0.76	-0.23	1.0	-0.02		0.97	0.96	0.85	0.64	0.74	0.04
Income Tax Expense	0.67	0.17	0.81	0.73	0.88	0.51	0.77	0.92	0.97	0.8	0.82	0.74	-0.1	0.98	-0.03	0.97		1.0	0.85	0.67	0.65	0.16
Tax Provision	0.65	0.2	0.77	0.69	0.86	0.49	0.77	0.91	0.97	0.77	0.79	0.75	-0.06	0.98	-0.03	0.96	1.0		0.84	0.66	0.64	0.19
Net Interest Income	0.83	0.51	0.86	0.89	0.91	0.5	0.82	0.78	0.92	0.56	0.61	0.9	0.12	0.85	0.27	0.85	0.85	0.84		0.94	0.83	0.44
Interest Income	0.78	0.69	0.76	0.83	0.79	0.5	0.72	0.54	0.78	0.3	0.36	0.88	0.28	0.65	0.41	0.64	0.67	0.66	0.94		0.77	0.67
Reconciled Depreciation	0.99	0.46	0.83	0.76	0.83	0.66	0.79	0.56	0.76	0.4	0.46	0.89	-0.14	0.72	0.55	0.74	0.65	0.64	0.83	0.77		0.25
Extraordinary Items	0.21	0.92	0.22	0.35	0.22	0.25	0.17	-0.04	0.25	-0.34	-0.31	0.54	0.75	0.07	0.36	0.04	0.16	0.19	0.44	0.67	0.25

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HarborOne Bancorp Account Relationship Matchups

HarborOne Bancorp income statement Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Depreciation And Amortization	6.7M	5.7M	5.6M	4.8M	4.6M	4.7M
Interest Expense	45.7M	28.5M	12.5M	22.9M	117.0M	122.9M
Selling General Administrative	87.8M	106.8M	103.3M	84.7M	77.4M	82.7M
Selling And Marketing Expenses	3.7M	3.4M	3.6M	3.9M	3.7M	3.5M
Total Revenue	164.3M	248.9M	226.3M	204.9M	163.4M	167.4M
Gross Profit	164.3M	248.9M	226.3M	2.4M	163.4M	144.7M
Other Operating Expenses	141.6M	190.9M	145.9M	212.6M	113.4M	99.8M
Operating Income	22.7M	58.0M	80.5M	84.7M	26.8M	45.3M
Net Income From Continuing Ops	18.3M	44.8M	58.5M	45.6M	32.8M	26.0M
Ebit	22.7M	42.4M	64.6M	51.8M	16.0M	15.2M
Ebitda	29.4M	48.0M	70.2M	56.6M	20.6M	19.6M
Total Operating Expenses	(141.6M)	(190.9M)	(145.9M)	10.0M	113.4M	119.1M
Income Before Tax	22.7M	58.0M	80.5M	61.7M	25.1M	33.1M
Total Other Income Expense Net	22.7M	(23.0M)	(17.0M)	(15.0M)	(1.7M)	(1.7M)
Net Income Applicable To Common Shares	18.3M	44.8M	58.5M	45.6M	52.4M	55.0M
Net Income	18.3M	44.8M	58.5M	45.6M	16.1M	24.1M
Income Tax Expense	4.4M	13.2M	21.9M	16.1M	9.0M	9.0M
Tax Provision	4.4M	13.2M	21.9M	16.1M	10.0M	9.9M
Net Interest Income	109.1M	120.1M	131.4M	149.0M	136.8M	112.8M
Interest Income	154.8M	148.6M	143.9M	171.9M	231.8M	146.5M
Reconciled Depreciation	6.8M	5.7M	5.6M	4.8M	4.6M	5.4M

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When determining whether HarborOne Bancorp is a strong investment it is important to analyze HarborOne Bancorp's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact HarborOne Bancorp's future performance. For an informed investment choice regarding HarborOne Stock, refer to the following important reports:

How To Invest In HarborOne

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Is HarborOne Stock a good investment?

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What is HarborOne Bancorp's Net Worth?

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Largest Banks - Regional Companies

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Largest Financial Services Companies

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For information on how to trade HarborOne Stock refer to our How to Trade HarborOne Stock guide.

You can also try the Price Transformation module to use Price Transformation models to analyze the depth of different equity instruments across global markets.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of HarborOne Bancorp. If investors know HarborOne will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about HarborOne Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.51)

Dividend Share

0.315

Earnings Share

0.29

Revenue Per Share

3.816

Quarterly Revenue Growth

(0.15)

The market value of HarborOne Bancorp is measured differently than its book value, which is the value of HarborOne that is recorded on the company's balance sheet. Investors also form their own opinion of HarborOne Bancorp's value that differs from its market value or its book value, called intrinsic value, which is HarborOne Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because HarborOne Bancorp's market value can be influenced by many factors that don't directly affect HarborOne Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between HarborOne Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if HarborOne Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, HarborOne Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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HarborOne Historical Income Statement

About HarborOne Income Statement Analysis

HarborOne Bancorp Income Statement Chart

Depreciation And Amortization

Total Revenue

Gross Profit

Tax Provision

HarborOne Bancorp income statement Correlations

HarborOne Bancorp Account Relationship Matchups

High Positive Relationship

High Negative Relationship

HarborOne Bancorp income statement Accounts

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COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Ebitda	+ 1.0	Ebit
Net Income	+ 1.0	Income Before Tax
Tax Provision	+ 1.0	Income Tax Expense
Reconciled Depreciation	+ 0.99	Depreciation And Amortization
Income Before Tax	+ 0.98	Net Income From Continuing Ops
Income Tax Expense	+ 0.98	Income Before Tax

Total Operating Expenses	- 0.49	Ebitda
Total Operating Expenses	- 0.49	Ebit
Total Operating Expenses	- 0.39	Gross Profit
Total Other Income Expense Net	- 0.37	Ebit
Extraordinary Items	- 0.34	Ebit
Ebit	- 0.34	Interest Expense