Fundamental Analysis of HOMESTREET INC(NASDAQ:HMST) stock

Fundamental Rating

HMST gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 406 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.

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1. Profitability

1.1 Basic Checks

HMST had negative earnings in the past year.

HMST had a negative 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

With a Return On Assets value of -0.27%, HMST is not doing good in the industry: 94.31% of the companies in the same industry are doing better.

Looking at the Return On Equity, with a value of -4.54%, HMST is doing worse than 96.53% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	-0.27%
ROE	-4.54%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The number of shares outstanding for HMST has been reduced compared to 5 years ago.

The debt/assets ratio for HMST is higher compared to a year ago.

2.2 Solvency

HMST has a Debt/Equity ratio of 0.84. This is a neutral value indicating HMST is somewhat dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.84, HMST is doing worse than 83.91% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.84
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC11.24%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for HMST have decreased strongly by -195.05% in the last year.

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 -25.44% in the past year. This is quite bad

Measured over the past years, HMST shows a decrease in Revenue. The Revenue has been decreasing by -1.63% on average per year.

EPS 1Y (TTM)-195.05%

EPS 3Y-49.95%

EPS 5Y-19.36%

EPS Q2Q%-366.67%

Revenue 1Y (TTM)-25.44%

Revenue growth 3Y-16.47%

Revenue growth 5Y-1.63%

Sales Q2Q%-19.64%

3.2 Future

The Earnings Per Share is expected to grow by 18.62% on average over the next years. This is quite good.

Based on estimates for the next years, HMST will show a decrease in Revenue. The Revenue will decrease by -0.88% on average per year.

EPS Next Y-353.45%

EPS Next 2Y-43.46%

EPS Next 3Y18.62%

EPS Next 5YN/A

Revenue Next Year-21.81%

Revenue Next 2Y-6.38%

Revenue Next 3Y-0.88%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for HMST. In the last year negative earnings were reported.

Also next year HMST is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

HMST's earnings are expected to grow with 18.62% in the coming years. This may justify a more expensive valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-43.46%

EPS Next 3Y18.62%

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5. Dividend

5.1 Amount

HMST does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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HOMESTREET INC

NASDAQ:HMST (12/18/2024, 4:11:21 PM)

After market: 10.81 0 (0%)

10.81

-0.71 (-6.16%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap203.88M

Analysts

Price Target

Short Float %

Short Ratio

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Dividend Growth(5Y)

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)

Max Revenue beat(4)

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	N/A
Fwd PE	N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

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	-0.27%
ROE	-4.54%
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	0.84
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)

High Growth Momentum

Growth

EPS 1Y (TTM)-195.05%

EPS 3Y-49.95%

EPS 5Y

EPS Q2Q%

EPS Next Y-353.45%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)-25.44%

Revenue growth 3Y-16.47%

Revenue growth 5Y

Sales 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

HOMESTREET INC (HMST)

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens