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HOMESTREET INC (HMST) Stock Fundamental Analysis

USA - NASDAQ:HMST - US43785V1026 - Common Stock

13.87 USD
+0.25 (+1.84%)
Last: 8/29/2025, 8:00:01 PM
14.14 USD
+0.27 (+1.95%)
After Hours: 8/29/2025, 8:00:01 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to HMST. HMST was compared to 388 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.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

HMST had negative earnings in the past year.
In the past year HMST has reported a negative cash flow from operations.
The reported net income has been mixed in the past 5 years: HMST reported negative net income in multiple years.
The reported operating cash flow has been mixed in the past 5 years: HMST reported negative operating cash flow in multiple 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M

1.2 Ratios

HMST's Return On Assets of -1.83% is on the low side compared to the rest of the industry. HMST is outperformed by 96.97% of its industry peers.
Looking at the Return On Equity, with a value of -34.61%, HMST is doing worse than 96.72% of the companies in the same industry.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20 -30

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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50 -100 -150

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1

2. Health

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.
Compared to 5 years ago, HMST has less shares outstanding
Compared to 1 year ago, HMST has a worse debt to assets ratio.
HMST Yearly Shares OutstandingHMST Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

A Debt/Equity ratio of 0.25 indicates that HMST is not too dependend on debt financing.
The Debt to Equity ratio of HMST (0.25) is worse than 63.38% of its industry peers.
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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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3

3. Growth

3.1 Past

HMST shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -73.08%.
The Revenue for HMST has decreased by -52.47% in the past year. This is quite bad
Measured over the past years, HMST shows a very negative growth in Revenue. The Revenue has been decreasing by -22.09% on average per year.
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

Based on estimates for the next years, HMST will show a very strong growth in Earnings Per Share. The EPS will grow by 63.01% on average per year.
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 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 2 4

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2

4. Valuation

4.1 Price/Earnings Ratio

HMST reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
The Price/Forward Earnings ratio is 19.01, which indicates a rather expensive current valuation of HMST.
77.53% of the companies in the same industry are cheaper than HMST, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of HMST to the average of the S&P500 Index (33.72), we can say HMST is valued slightly cheaper.
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 30

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

The 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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5

5. Dividend

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 3.38. HMST pays more dividend than 89.90% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M

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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 2025-07-28/amc
Earnings (Next)10-27 2025-10-27/amc
Inst Owners82.63%
Inst Owner Change9.55%
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 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 of HOMESTREET INC (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.


How financially healthy is HOMESTREET INC?

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


Can you provide the expected EPS growth for HMST stock?

The Earnings per Share (EPS) of HOMESTREET INC (HMST) is expected to grow by 73.96% in the next year.