Table of Contents HarborOne Bancorp, Inc. (Exact name of registrant as specified in its charter) Massachusetts 81-1607465 (State or other jurisdiction of incorporation or organization) UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commi ...

HarborOne Bancorp (HONE 1.37%), a Massachusetts-based community-oriented bank holding company, released its second quarter results on July 24, 2025. The bank reported diluted earnings per share of $0.20 (GAAP), topping consensus forecasts of $0.19 GAAP EPS. Total revenue (GAAP) reached $45.44 million. The quarter showed steady improvement in profitability and margin, even as the bank manages funding mix and asset quality amid preparation for its merger with Eastern Bankshares. Overall, the period reflected ...

Financial Performance - HarborOne Bancorp reported revenue of $45.44 million for the quarter ended June 2025, marking a year-over-year increase of 5% [1] - The earnings per share (EPS) for the same period was $0.23, up from $0.18 a year ago, representing a surprise of +21.05% over the consensus estimate of $0.19 [1] - The reported revenue exceeded the Zacks Consensus Estimate of $43.79 million by +3.77% [1] Key Metrics - Efficiency ratio stood at 74.6%, slightly above the average estimate of 74.4% based on three analysts [4] - Net Interest Margin was reported at 2.5%, compared to the average estimate of 2.4% [4] - Total Noninterest Income reached $12.22 million, surpassing the average estimate of $11.74 million [4] - Net Interest Income was $33.22 million, exceeding the average estimate of $32.9 million [4] Stock Performance - Shares of HarborOne Bancorp have returned +8% over the past month, outperforming the Zacks S&P 500 composite's +5.7% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]

Group 1 - HarborOne Bancorp reported quarterly earnings of $0.23 per share, exceeding the Zacks Consensus Estimate of $0.19 per share, and showing an increase from $0.18 per share a year ago, resulting in an earnings surprise of +21.05% [1] - The company posted revenues of $45.44 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 3.77%, compared to $43.27 million in the same quarter last year [2] - HarborOne Bancorp shares have increased approximately 3.9% since the beginning of the year, while the S&P 500 has gained 8.1% [3] Group 2 - The current consensus EPS estimate for the upcoming quarter is $0.21 on revenues of $44.35 million, and for the current fiscal year, it is $0.75 on revenues of $174.27 million [7] - The Zacks Industry Rank for Banks - Northeast is currently in the top 23% of over 250 Zacks industries, indicating a favorable outlook for the industry [8]

Exhibit 99.1 HarborOne Bancorp, Inc. Announces 2025 Second Quarter Results Contact: Stephen W. Finocchio, EVP and CFO Brockton, Massachusetts (July 24, 2025): HarborOne Bancorp, Inc. (the "Company" or "HarborOne") (NASDAQ: HONE), the holding company for HarborOne Bank (the "Bank"), announced net income of $8.1 million, or $0.20 per diluted share, for the quarter ended June 30, 2025, an increase of $2.6 million, or 46.5%, compared to net income of $5.5 million, or $0.14 per diluted share, for the quarter end ...

Investor Presentation July 2024 Forward-Looking Statements Certain statements herein constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Exchange Act and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. We may also make forward-looking statements in other documents we file with the Securities and Exchange Commission ("SEC"), in our annual reports to sharehold ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-38955 HarborOne Bancorp, Inc. (Exact name of registrant as specified in its charter) Massachusetts 81-1607465 (State or other jurisdiction of in ...

Investor Presentation April 2025 Forward-Looking Statements Certain statements herein constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Exchange Act and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. We may also make forward-looking statements in other documents we file with the Securities and Exchange Commission ("SEC"), in our annual reports to sharehol ...

Company Performance - HarborOne Bancorp reported quarterly earnings of $0.14 per share, missing the Zacks Consensus Estimate of $0.17 per share, and down from $0.17 per share a year ago, representing an earnings surprise of -17.65% [1] - The company posted revenues of $41.36 million for the quarter ended March 2025, missing the Zacks Consensus Estimate by 5.88%, and slightly up from year-ago revenues of $41.32 million [2] - Over the last four quarters, HarborOne Bancorp has surpassed consensus EPS estimates two times and topped consensus revenue estimates two times [2] Stock Performance - HarborOne Bancorp shares have declined approximately 15.9% since the beginning of the year, compared to the S&P 500's decline of -8.6% [3] - The current consensus EPS estimate for the coming quarter is $0.20 on $44.9 million in revenues, and $0.83 on $181.29 million in revenues for the current fiscal year [7] Industry Outlook - The Zacks Industry Rank for Banks - Northeast is currently in the top 22% of over 250 Zacks industries, indicating a favorable outlook for the industry [8] - Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions, suggesting that industry performance can materially impact individual stock performance [5][8]

Exhibit 99.1 HarborOne Bancorp, Inc. Announces 2025 First Quarter Results Contact: Stephen W. Finocchio, EVP and CFO Brockton, Massachusetts (April 24, 2025): HarborOne Bancorp, Inc. (the "Company" or "HarborOne") (NASDAQ: HONE), the holding company for HarborOne Bank (the "Bank"), announced net income of $5.5 million, or $0.14 per diluted share, for the quarter ended March 31, 2025, a decrease of $3.4 million, or 38.1%, compared to net income of $8.9 million, or $0.21 per diluted share, for the quarter end ...