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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

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CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

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Date of Report (Date of Earliest Event Reported): January 30, 2025

HarborOne Bancorp, Inc.

(Exact Name of Registrant as Specified in its Charter)

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Massachusetts | 001-38955 | 81-1607465
(State or other jurisdiction | (Commission | (IRS Employer
of incorporation) | File Number) | Identification Number

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770 Oak Street, Brockton, Massachusetts 02301

(Address of principal executive offices)

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(508) 895-1000

(Registrant’s telephone number, including area code)

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

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☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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Emerging growth company ☐

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If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Title of each Class | Trading Symbol | Name of each exchange on which registered
Common Stock, $0.01 par value | HONE | The NASDAQ Stock Market, LLC

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| Item 2.02 | Results of Operations and Financial Condition

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On January 30, 2025, HarborOne Bancorp, Inc. (the “Company”), the holding company for HarborOne Bank, issued a press release announcing its financial results for the year ended December 31, 2024. The Company’s press release is included as Exhibit 99.1 to this report.

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The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that Section.

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| Item 7.01 | Regulation FD Disclosure

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The Company has prepared an investor presentation about the Company’s operations and performance that management intends to use from time to time on and after January 30, 2025. The investor presentation is attached as Exhibit 99.2 to this report.

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The information set forth in this Item 7.01 and in the attached Exhibit 99.2 shall not be deemed “filed” for purposes of Section 18 of the Exchange Act, or otherwise subject to the liabilities under that Section.

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Item 9.01 Financial Statements and Exhibits

(d)Exhibits

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Number | ​ | Description
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99.1 | ​ | Press release dated January 30, 2025
99.2 | ​ | Investor Presentation
104 | ​ | Cover Page Interactive Data File (formatted as inline XBRL)

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EXHIBIT INDEX

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Number | ​ | Description
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99.1 | ​ | Press release dated January 30, 2025
99.2 | ​ | Investor Presentation
104 | ​ | Cover Page Interactive Data File (formatted as inline XBRL)

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SIGNATURE

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Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunder duly authorized.

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3 |  |  | ​
​ | HARBORONE BANCORP, INC.
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| By: | /s/ Joseph F. Casey | ​
​ | Name: | Joseph F. Casey
​ | Title: | President and
​ | ​ | Chief Executive Officer
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Date: January 30, 2025 | ​ | ​

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