13.87 USD
+0.25 (+1.84%)
14.14 USD
+0.27 (+1.95%)
Taking everything into account, HMST scores 2 out of 10 in our fundamental rating. HMST was compared to 383 industry peers in the Banks industry. HMST may be in some trouble as it scores bad on both profitability and health. HMST has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
- In the past year HMST has reported negative net income.
- HMST had a negative operating cash flow in the past year.
- In multiple years HMST reported negative net income over the last 5 years.
- In multiple years HMST reported negative operating cash flow during the last 5 years.
1.2 Ratios
- HMST has a worse Return On Assets (-1.83%) than 96.97% of its industry peers.
- HMST has a Return On Equity of -34.61%. This is amonst the worse of the industry: HMST underperforms 96.72% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- HMST does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- HMST does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for HMST has been increased compared to 1 year ago.
- HMST has less shares outstanding than it did 5 years ago.
- HMST has a worse debt/assets ratio than last year.
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.
- HMST has a worse Debt to Equity ratio (0.25) than 63.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.89%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for HMST have decreased strongly by -73.08% in the last year.
- Looking at the last year, HMST shows a very negative growth in Revenue. The Revenue has decreased by -52.47% in the last year.
- 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
- HMST is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 63.01% yearly.
- HMST is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.61% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings Ratio is negative for HMST. In the last year negative earnings were reported.
- The Price/Forward Earnings ratio is 19.01, which indicates a rather expensive current valuation of HMST.
- HMST's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. HMST is more expensive than 77.53% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.98, HMST is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 19.01 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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.
- A more expensive valuation may be justified as HMST's earnings are expected to grow with 63.01% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y63.01%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- HMST has a Yearly Dividend Yield of 6.44%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.61, HMST pays a better dividend. On top of this HMST pays more dividend than 89.90% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.81, HMST pays a better dividend.
| Industry Rank | Sector 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
5.3 Sustainability
DP0%
EPS Next 2Y63.01%
EPS Next 3YN/A
HOMESTREET INC / HMST 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.