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HOMESTREET INC (HMST) Stock Fundamental Analysis

NASDAQ:HMST - Nasdaq - US43785V1026 - Common Stock - Currency: USD

11.36  0 (0%)

Premarket: 11.25 -0.11 (-0.97%)

Fundamental Rating

2

HMST gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. HMST has a bad profitability rating. Also its financial health evaluation is rather negative. 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

In the past year HMST has reported negative net income.
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.
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

Looking at the Return On Assets, with a value of -1.78%, HMST is doing worse than 97.99% of the companies in the same industry.
HMST's Return On Equity of -36.36% is on the low side compared to the rest of the industry. HMST is outperformed by 97.99% of its industry peers.
Industry RankSector Rank
ROA -1.78%
ROE -36.36%
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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0

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.
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 1.80 is on the high side and indicates that HMST has dependencies on debt financing.
HMST has a worse Debt to Equity ratio (1.80) than 89.70% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.8
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC14.88%
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

The earnings per share for HMST have decreased strongly by -708.33% in the last year.
Looking at the last year, HMST shows a very negative growth in Revenue. The Revenue has decreased by -63.72% in the last year.
The Revenue for HMST have been decreasing by -22.09% on average. This is quite bad
EPS 1Y (TTM)-708.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%48.28%
Revenue 1Y (TTM)-63.72%
Revenue growth 3Y-39.81%
Revenue growth 5Y-22.09%
Sales Q2Q%14.17%

3.2 Future

HMST is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 69.75% yearly.
The Revenue is expected to grow by 12.38% on average over the next years. This is quite good.
EPS Next Y127.57%
EPS Next 2Y69.75%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year17.27%
Revenue Next 2Y12.38%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

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.
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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3

4. Valuation

4.1 Price/Earnings Ratio

HMST reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
HMST is valuated reasonably with a Price/Forward Earnings ratio of 11.61.
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 64.57% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of HMST to the average of the S&P500 Index (20.49), we can say HMST is valued slightly cheaper.
Industry RankSector Rank
PE N/A
Fwd PE 11.61
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

The 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 69.75% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y69.75%
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 3.52. HMST pays more dividend than 94.22% of the companies in the same industry.
HMST's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
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 2Y69.75%
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 (5/1/2025, 9:07:21 PM)

Premarket: 11.25 -0.11 (-0.97%)

11.36

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-28 2025-04-28/amc
Earnings (Next)07-28 2025-07-28/amc
Inst Owners83.59%
Inst Owner Change-0.06%
Ins Owners3.9%
Ins Owner Change1.74%
Market Cap214.93M
Analysts80
Price Target14.03 (23.5%)
Short Float %2.36%
Short Ratio2.22
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)-32.56%
Min EPS beat(2)-35.75%
Max EPS beat(2)-29.37%
EPS beat(4)1
Avg EPS beat(4)-45.98%
Min EPS beat(4)-132.09%
Max EPS beat(4)13.27%
EPS beat(8)2
Avg EPS beat(8)-109.31%
EPS beat(12)4
Avg EPS beat(12)-75.96%
EPS beat(16)8
Avg EPS beat(16)-53.47%
Revenue beat(2)0
Avg Revenue beat(2)-6.24%
Min Revenue beat(2)-8.61%
Max Revenue beat(2)-3.86%
Revenue beat(4)0
Avg Revenue beat(4)-7.65%
Min Revenue beat(4)-16.47%
Max Revenue beat(4)-1.68%
Revenue beat(8)0
Avg Revenue beat(8)-7.88%
Revenue beat(12)0
Avg Revenue beat(12)-7.63%
Revenue beat(16)1
Avg Revenue beat(16)-5.91%
PT rev (1m)11.11%
PT rev (3m)11.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)53.21%
EPS NY rev (1m)0%
EPS NY rev (3m)1300%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.94%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.2%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 11.61
P/S 2.84
P/FCF N/A
P/OCF N/A
P/B 0.54
P/tB 0.74
EV/EBITDA N/A
EPS(TTM)-0.97
EYN/A
EPS(NY)0.98
Fwd EY8.61%
FCF(TTM)-2.45
FCFYN/A
OCF(TTM)-2.43
OCFYN/A
SpS4
BVpS20.98
TBVpS15.35
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -1.78%
ROE -36.36%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score1
Asset Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 1.8
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 5.29%
Cap/Sales 0.65%
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-Score1
WACC14.88%
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)-708.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%48.28%
EPS Next Y127.57%
EPS Next 2Y69.75%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-63.72%
Revenue growth 3Y-39.81%
Revenue growth 5Y-22.09%
Sales Q2Q%14.17%
Revenue Next Year17.27%
Revenue Next 2Y12.38%
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 1Y-1201.61%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-672.3%
OCF growth 3YN/A
OCF growth 5YN/A