HOMESTREET INC (HMST) Fundamental Analysis & Valuation

NASDAQ:HMST • US43785V1026

Current stock price

13.87 USD
+0.25 (+1.84%)
At close:
14.14 USD
+0.27 (+1.95%)
After Hours:

This HMST fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. HMST Profitability Analysis

1.1 Basic Checks

  • HMST had negative earnings in the past year.
  • HMST had a negative operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: HMST reported negative net income in multiple years.
  • In multiple years HMST reported negative operating cash flow during the last 5 years.
HMST Yearly Net Income VS EBIT VS OCF VS FCFHMST Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M

1.2 Ratios

  • HMST has a Return On Assets of -1.83%. This is amonst the worse of the industry: HMST underperforms 96.97% of its industry peers.
  • With a Return On Equity value of -34.61%, HMST is not doing good in the industry: 96.72% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -1.83%
ROE -34.61%
ROIC N/A
ROA(3y)-0.45%
ROA(5y)0.27%
ROE(3y)-9.88%
ROE(5y)-0.47%
ROIC(3y)N/A
ROIC(5y)N/A
HMST Yearly ROA, ROE, ROICHMST Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20 -30

1.3 Margins

  • The Profit Margin and Operating Margin and Gross Margin are not available for HMST so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
HMST Yearly Profit, Operating, Gross MarginsHMST Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50 -100 -150

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1

2. HMST Health Analysis

2.1 Basic Checks

  • HMST does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • HMST has more shares outstanding than it did 1 year ago.
  • HMST has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, HMST has a worse debt to assets ratio.
HMST Yearly Shares OutstandingHMST Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
HMST Yearly Total Debt VS Total AssetsHMST Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

  • HMST has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.25, HMST is doing worse than 63.38% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC14.89%
HMST Yearly LT Debt VS Equity VS FCFHMST Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HMST Yearly Current Assets VS Current LiabilitesHMST Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. HMST Growth Analysis

3.1 Past

  • The earnings per share for HMST have decreased strongly by -73.08% in the last year.
  • HMST shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -52.47%.
  • The Revenue for HMST have been decreasing by -22.09% on average. This is quite bad
EPS 1Y (TTM)-73.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%30.43%
Revenue 1Y (TTM)-52.47%
Revenue growth 3Y-39.81%
Revenue growth 5Y-22.09%
Sales Q2Q%14.07%

3.2 Future

  • The Earnings Per Share is expected to grow by 63.01% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 11.61% on average over the next years. This is quite good.
EPS Next Y73.96%
EPS Next 2Y63.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.66%
Revenue Next 2Y11.61%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
HMST Yearly Revenue VS EstimatesHMST Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M 500M
HMST Yearly EPS VS EstimatesHMST Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 2 4

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2

4. HMST Valuation Analysis

4.1 Price/Earnings Ratio

  • HMST reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • Based on the Price/Forward Earnings ratio of 19.01, the valuation of HMST can be described as rather expensive.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of HMST indicates a slightly more expensive valuation: HMST is more expensive than 77.53% of the companies listed in the same industry.
  • HMST is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.12, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 19.01
HMST Price Earnings VS Forward Price EarningsHMST Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
HMST Per share dataHMST EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20

4.3 Compensation for Growth

  • HMST's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • HMST's earnings are expected to grow with 63.01% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y63.01%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. HMST Dividend Analysis

5.1 Amount

  • HMST has a Yearly Dividend Yield of 6.44%, which is a nice return.
  • HMST's Dividend Yield is rather good when compared to the industry average which is at 2.90. HMST pays more dividend than 89.90% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.91, HMST pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.44%

5.2 History

  • HMST has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
HMST Yearly Dividends per shareHMST Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 0.2 0.4 0.6 0.8 1

5.3 Sustainability

DP0%
EPS Next 2Y63.01%
EPS Next 3YN/A
HMST Yearly Income VS Free CF VS DividendHMST Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M

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HMST Fundamentals: All Metrics, Ratios and Statistics

HOMESTREET INC

NASDAQ:HMST (8/29/2025, 8:00:01 PM)

After market: 14.14 +0.27 (+1.95%)

13.87

+0.25 (+1.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-28
Earnings (Next)10-27
Inst Owners82.63%
Inst Owner Change48.19%
Ins Owners3.89%
Ins Owner Change0%
Market Cap262.42M
Revenue(TTM)85.50M
Net Income(TTM)-139.49M
Analysts80
Price Target14.28 (2.96%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.44%
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-324.17%
Min EPS beat(2)-527.77%
Max EPS beat(2)-120.58%
EPS beat(4)0
Avg EPS beat(4)-178.37%
Min EPS beat(4)-527.77%
Max EPS beat(4)-29.37%
EPS beat(8)2
Avg EPS beat(8)-184.51%
EPS beat(12)3
Avg EPS beat(12)-129.99%
EPS beat(16)6
Avg EPS beat(16)-96.12%
Revenue beat(2)0
Avg Revenue beat(2)-2.5%
Min Revenue beat(2)-4.6%
Max Revenue beat(2)-0.39%
Revenue beat(4)0
Avg Revenue beat(4)-4.37%
Min Revenue beat(4)-8.61%
Max Revenue beat(4)-0.39%
Revenue beat(8)0
Avg Revenue beat(8)-6.69%
Revenue beat(12)0
Avg Revenue beat(12)-6.45%
Revenue beat(16)0
Avg Revenue beat(16)-6.22%
PT rev (1m)1.21%
PT rev (3m)1.21%
EPS NQ rev (1m)-123.59%
EPS NQ rev (3m)-105.38%
EPS NY rev (1m)-312.5%
EPS NY rev (3m)-312.5%
Revenue NQ rev (1m)-2.35%
Revenue NQ rev (3m)-5.08%
Revenue NY rev (1m)-1.49%
Revenue NY rev (3m)-1.49%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 19.01
P/S 3.07
P/FCF N/A
P/OCF N/A
P/B 0.65
P/tB 0.89
EV/EBITDA N/A
EPS(TTM)-0.9
EYN/A
EPS(NY)0.73
Fwd EY5.26%
FCF(TTM)-2.27
FCFYN/A
OCF(TTM)-2.57
OCFYN/A
SpS4.52
BVpS21.3
TBVpS15.66
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -1.83%
ROE -34.61%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-0.45%
ROA(5y)0.27%
ROE(3y)-9.88%
ROE(5y)-0.47%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 66.63%
Cap/Sales 6.68%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score2
WACC14.89%
ROIC/WACCN/A
Cap/Depr(3y)443.04%
Cap/Depr(5y)276.03%
Cap/Sales(3y)17.85%
Cap/Sales(5y)11.06%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-73.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%30.43%
EPS Next Y73.96%
EPS Next 2Y63.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-52.47%
Revenue growth 3Y-39.81%
Revenue growth 5Y-22.09%
Sales Q2Q%14.07%
Revenue Next Year14.66%
Revenue Next 2Y11.61%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y58.46%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-215.2%
OCF growth 3YN/A
OCF growth 5YN/A

HOMESTREET INC / HMST Fundamental Analysis FAQ

What is the ChartMill fundamental rating of HOMESTREET INC (HMST) stock?

ChartMill assigns a fundamental rating of 2 / 10 to HMST.


What is the valuation status for HMST stock?

ChartMill assigns a valuation rating of 2 / 10 to HOMESTREET INC (HMST). This can be considered as Overvalued.


Can you provide the profitability details for HOMESTREET INC?

HOMESTREET INC (HMST) has a profitability rating of 1 / 10.


What is the financial health of HOMESTREET INC (HMST) stock?

The financial health rating of HOMESTREET INC (HMST) is 1 / 10.