HONE insider Form 4: 0 shares held after transactions

Rhea-AI Filing Summary

HarborOne Bancorp (HONE) reported insider activity on a Form 4 by an officer serving as SVP, Chief HR Officer. On 11/01/2025, the reporting person acquired 8,743 shares of common stock and disposed of 16,556 shares the same day. Following these transactions, beneficial ownership was 0 shares.

Footnotes state that, under a Merger Agreement among Eastern Bankshares, Inc., Eastern Bank, HarborOne Bancorp, Inc., and HarborOne Bank, each outstanding performance unit vested at the target level, and each outstanding option to purchase HarborOne common stock was converted into an option to purchase Eastern common stock, adjusted by the exchange ratio.

Insights

Equity compensation & M&A analyst

Form 4 reflects merger-driven equity changes and no remaining HONE holdings.

The transactions show standard mechanics in a bank merger. Performance units vested at the target level, creating an equity acquisition entry, while a same-day disposition aligns with conversion or cleanup of legacy positions. The filing lists 8,743 shares acquired and 16,556 shares disposed, ending at 0 shares held.

The Merger Agreement specifies that HarborOne options were converted into options for Eastern Bankshares common stock with share counts and exercise prices adjusted by the exchange ratio. This is an administrative transition rather than a new cash transaction. Actual impact depends on merger terms already set; the filing documents personal holdings changes.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Stewart Susan Bugnacki

Role SVP, Chief HR Officer

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	8,743	$0.00	--
Disposition	Common Stock	16,556	$0.00	--

Holdings After Transaction: Common Stock — 16,556 shares (Direct)

Footnotes (1)

1. Pursuant to the merger agreement between Eastern Bankshares, Inc. ("Eastern"), Eastern Bank, HarborOne Bancorp, Inc. ("HarborOne"), and HarborOne Bank (the "Merger Agreement"), each outstanding performance unit vested at the target level of performance. Pursuant to the Merger Agreement, each outstanding and unexercised option to purchase shares of HarborOne common stock was converted into an option to purchase shares of Eastern common stock. As further described in the Merger Agreement, the number of underlying shares of Eastern common stock subject to such options and the related exercise price were adjusted by the exchange ratio.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Stewart Susan Bugnacki

(Last) (First) (Middle)

C/O HARBORONE BANCORP

(Street)

BROCKTON MA 02301

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
HarborOne Bancorp, Inc. [ HONE ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	SVP, Chief HR Officer

3. Date of Earliest Transaction (Month/Day/Year)
11/01/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	11/01/2025		A		8,743	A	(1)	16,556	D
Common Stock	11/01/2025		D		16,556	D	(2)	0	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Pursuant to the merger agreement between Eastern Bankshares, Inc. ("Eastern"), Eastern Bank, HarborOne Bancorp, Inc. ("HarborOne"), and HarborOne Bank (the "Merger Agreement"), each outstanding performance unit vested at the target level of performance.

2. Pursuant to the Merger Agreement, each outstanding and unexercised option to purchase shares of HarborOne common stock was converted into an option to purchase shares of Eastern common stock. As further described in the Merger Agreement, the number of underlying shares of Eastern common stock subject to such options and the related exercise price were adjusted by the exchange ratio.

	/s/ Joseph F. Casey, attorney-in-fact	11/03/2025
	** Signature of Reporting Person	Date
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