NASDAQ$HONE

HarborOne Bancorp Inc · Q2 2025 earnings

Q2 2025 earnings · · Before market open · Investor relations

Briefing

HarborOne Bancorp reported Q2 2025 revenue of $62.4M, net income of $18.2M, diluted EPS of $0.38.

For Q2 2025, HarborOne Bancorp reported Revenue was $62.4M, net income was $18.2M, diluted EPS was $0.38. Management discusses segment trends, liquidity, and outlook in the quarterly filing.

  • Revenue $62.4M for Q2 2025.
  • Net income $18.2M.
  • Diluted EPS $0.38.

Headline financials

Total Revenue

$45.4M

Previous: $43.3M+5.0%
EPS (adj)

$0.38

Previous: $0.18+111.1%
Capital Expenditures

-$347K

Previous: -$330K-5.2%
Free Cash Flow

$18M

Previous: -$24.9M+172.4%
Net Income

$8.06M

Previous: $7.3M+10.4%
Operating Income

$2.21M

Previous: -$3.71M+159.5%
Gross Profit

$44.7M

Previous: $42.7M+4.8%

Revenue & EPS history

HarborOne · Revenue · Quarterly

$45.4M

Q2 2025+5%vs Q2 2024
Beat estimate in 7 of 15 quarters(47%)
ActualEstimate

Revenue by segment

HarborOne · $5.99M total across 4 segments · Q4 2021

  • Deposit Account Fees
    $4.78M
  • Other Income
    $589K
  • Bank-Owned Life Insurance Income
    $506K
  • Income on Retirement Plan Annuities
    $109K

Forward guidance

Insurers focus on premium growth, combined ratio, investment income, and catastrophe exposure.

Tailwinds

  • Commercial lines pricing and reserve releases.
  • Investment portfolio yields on higher rates.

Headwinds

  • Auto severity and weather-related catastrophe losses.
  • Regulatory changes to rates and coverage.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 6 quarterly earnings reports · overlaid with Q2 2025

Historical avgQ2 2025

+0.0%

Avg return

Earnings day

-3.0%

Avg return

5 days after

-1.7%

Avg return

30 days after

56%

20 / 36 earnings

Positive

+10.4%

Q1 2020

Best reaction

-13.3%

Q3 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q3 2025
Q2 2025-2.1%-2.0%+3.2%
Q1 2025+1.9%+0.9%+0.8%
Q4 2024-3.5%-3.1%-3.8%
Q3 2024-13.3%-8.6%-1.1%
Q2 2024+3.0%+1.6%-0.7%
Q1 2024+2.1%+0.9%+5.2%
Q4 2023-9.7%-10.8%-15.8%
Q3 2023+4.6%
Q2 2023+2.6%
Q1 2023-0.5%
Q4 2022-3.5%
Q3 2022+7.1%
Q2 2022+1.0%
Q1 2022+0.5%
Q4 2021-2.5%
Q3 2021-2.4%
Q2 2021-3.2%
Q1 2021-2.3%
Q4 2020+4.0%
Q3 2020-2.4%
Q2 2020+8.0%
Q1 2020+10.4%
Q4 2019-0.4%
Q3 2019+2.3%
Q2 2019+1.2%
Q1 2019+0.0%
Q4 2018-4.3%
Q3 2018+3.3%
Q2 2018+0.9%
Q1 2018+3.2%
Q4 2017-3.7%
Q3 2017+0.3%
Q2 2017+0.3%
Q1 2017+3.1%
Q4 2016-6.3%
Q3 2016+1.6%
Q2 2016
Q1 2016
Q4 2015
Q3 2015
Q2 2015
Q1 2015

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