HOMESTREET INC (HMST)
US43785V1026 - Common Stock
Taking everything into account, HMST scores 2 out of 10 in our fundamental rating. HMST was compared to 411 industry peers in the Banks industry. HMST has a bad profitability rating. Also its financial health evaluation is rather negative. HMST does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
HMST had positive earnings in the past year.
HMST had a positive operating cash flow in the past year.
Of the past 5 years HMST 4 years were profitable.
HMST had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
HMST has a worse Return On Assets (-0.29%) than 95.38% of its industry peers.
HMST has a worse Return On Equity (-5.09%) than 96.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.29% | ||
| ROE | -5.09% | ||
| ROIC | N/A |
ROA(3y)0.67%
ROA(5y)0.68%
ROE(3y)7.62%
ROE(5y)7.31%
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.
HMST has more shares outstanding than it did 1 year ago.
HMST has less shares outstanding than it did 5 years ago.
The debt/assets ratio for HMST has remained at the same level compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of HMST is 53.35, which is on the high side as it means it would take HMST, 53.35 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of HMST (53.35) is worse than 88.32% of its industry peers.
A Debt/Equity ratio of 0.42 indicates that HMST is not too dependend on debt financing.
The Debt to Equity ratio of HMST (0.42) is worse than 66.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.42 | ||
| Debt/FCF | 53.35 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.33%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HMST shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -87.36%.
Measured over the past years, HMST shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -19.36% on average per year.
The Revenue for HMST has decreased by -26.73% in the past year. This is quite bad
HMST shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.63% yearly.
EPS 1Y (TTM)-87.36%
EPS 3Y-49.95%
EPS 5Y-19.36%
EPS growth Q2Q-126.67%
Revenue 1Y (TTM)-26.73%
Revenue growth 3Y-16.47%
Revenue growth 5Y-1.63%
Revenue growth Q2Q-29.75%
3.2 Future
The Earnings Per Share is expected to grow by 47.13% on average over the next years. This is a very strong growth
HMST is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.78% yearly.
EPS Next Y-104.06%
EPS Next 2Y47.13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-8.68%
Revenue Next 2Y1.78%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 27.39, the valuation of HMST can be described as expensive.
Based on the Price/Earnings ratio, HMST is valued expensively inside the industry as 89.54% of the companies are valued cheaper.
HMST's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 24.92.
HMST is expected to report negative earnings next year, which makes the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.39 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, HMST is valued more expensive than 86.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 53.94 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as HMST's earnings are expected to grow with 47.13% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y47.13%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.27%, HMST has a reasonable but not impressive dividend return.
HMST's Dividend Yield is comparable with the industry average which is at 3.82.
HMST's Dividend Yield is a higher than the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
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
The earnings of HMST are negative and hence is the payout ratio. HMST will probably not be able to sustain this dividend level.
DP-44.92%
EPS Next 2Y47.13%
EPS Next 3YN/A
HOMESTREET INC
NASDAQ:HMST (4/26/2024, 7:00:02 PM)
After market: 12.05 0 (0%)12.05
-0.18 (-1.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap227.26M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.39 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.29% | ||
| ROE | -5.09% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.42 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-87.36%
EPS 3Y-49.95%
EPS 5Y
EPS growth Q2Q
EPS Next Y-104.06%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-26.73%
Revenue growth 3Y-16.47%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y