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HOMESTREET INC (HMST) Stock Fundamental Analysis

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

9.8  -0.33 (-3.26%)

After market: 9.97 +0.17 (+1.73%)

Fundamental Rating

2

Taking everything into account, HMST scores 2 out of 10 in our fundamental rating. HMST was compared to 405 industry peers in the Banks industry. Both the profitability and financial health of HMST have multiple concerns. HMST does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

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.
In multiple years HMST reported negative net income over the last 5 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 -0.27%, HMST is doing worse than 94.24% of the companies in the same industry.
The Return On Equity of HMST (-4.54%) is worse than 96.74% of its industry peers.
Industry RankSector Rank
ROA -0.27%
ROE -4.54%
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

The Profit Margin and Operating Margin and Gross Margin are not available for HMST so they could not be analyzed.
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.
The number of shares outstanding for HMST has been reduced compared to 5 years ago.
HMST has a better 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

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 83.96% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.84
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.19%
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 -352.27% in the last year.
The Revenue for HMST has decreased by -63.73% 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)-352.27%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-125%
Revenue 1Y (TTM)-63.73%
Revenue growth 3Y-39.81%
Revenue growth 5Y-22.09%
Sales Q2Q%-12.26%

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 69.75% on average per year.
Based on estimates for the next years, HMST will show a quite strong growth in Revenue. The Revenue will grow by 12.38% on average per year.
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

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

The Price/Earnings Ratio is negative for HMST. In the last year negative earnings were reported.
HMST is valuated quite expensively with a Price/Forward Earnings ratio of 32.03.
HMST's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. HMST is more expensive than 79.70% of the companies in the same industry.
HMST's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 22.68.
Industry RankSector Rank
PE N/A
Fwd PE 32.03
HMST Price Earnings VS Forward Price EarningsHMST Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 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 10 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

With a Yearly Dividend Yield of 6.44%, HMST is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.18, HMST pays a better dividend. On top of this HMST pays more dividend than 96.99% of the companies listed in the same industry.
HMST's Dividend Yield is rather good when compared to the S&P500 average which is at 2.27.
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

The earnings of HMST are negative and hence is the payout ratio. HMST will probably not be able to sustain this dividend level.
DP-7.44%
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 (2/21/2025, 8:25:48 PM)

After market: 9.97 +0.17 (+1.73%)

9.8

-0.33 (-3.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27 2025-01-27/amc
Earnings (Next)04-28 2025-04-28/amc
Inst Owners83.59%
Inst Owner Change-98.47%
Ins Owners3.9%
Ins Owner Change1.74%
Market Cap184.83M
Analysts78
Price Target12.62 (28.78%)
Short Float %3.34%
Short Ratio3.53
Dividend
Industry RankSector Rank
Dividend Yield 6.44%
Yearly Dividend0.66
Dividend Growth(5Y)N/A
DP-7.44%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-8.05%
Min EPS beat(2)-29.37%
Max EPS beat(2)13.27%
EPS beat(4)1
Avg EPS beat(4)-237.64%
Min EPS beat(4)-802.37%
Max EPS beat(4)13.27%
EPS beat(8)2
Avg EPS beat(8)-109.97%
EPS beat(12)5
Avg EPS beat(12)-72.42%
EPS beat(16)9
Avg EPS beat(16)-50.34%
Revenue beat(2)0
Avg Revenue beat(2)-5.15%
Min Revenue beat(2)-8.61%
Max Revenue beat(2)-1.68%
Revenue beat(4)0
Avg Revenue beat(4)-9.04%
Min Revenue beat(4)-16.47%
Max Revenue beat(4)-1.68%
Revenue beat(8)0
Avg Revenue beat(8)-8.35%
Revenue beat(12)0
Avg Revenue beat(12)-7.37%
Revenue beat(16)2
Avg Revenue beat(16)-5.06%
PT rev (1m)0%
PT rev (3m)7.61%
EPS NQ rev (1m)13.33%
EPS NQ rev (3m)13.33%
EPS NY rev (1m)1300%
EPS NY rev (3m)340%
Revenue NQ rev (1m)-0.48%
Revenue NQ rev (3m)-0.48%
Revenue NY rev (1m)0.2%
Revenue NY rev (3m)6.39%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 32.03
P/S 1.09
P/FCF N/A
P/OCF N/A
P/B 0.34
P/tB 0.43
EV/EBITDA N/A
EPS(TTM)-1.11
EYN/A
EPS(NY)0.31
Fwd EY3.12%
FCF(TTM)-2.39
FCFYN/A
OCF(TTM)-1.99
OCFYN/A
SpS9.02
BVpS28.54
TBVpS22.98
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.27%
ROE -4.54%
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 Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.84
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 78.73%
Cap/Sales 4.43%
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
WACC11.19%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-352.27%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-125%
EPS Next Y127.57%
EPS Next 2Y69.75%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-63.73%
Revenue growth 3Y-39.81%
Revenue growth 5Y-22.09%
Sales Q2Q%-12.26%
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-1709.14%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-613.95%
OCF growth 3YN/A
OCF growth 5YN/A