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HOMESTREET INC (HMST) Stock Fundamental Analysis

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

10.9  +0.01 (+0.09%)

After market: 10.9 0 (0%)

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 is valued expensive and it does not seem to be growing.


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.
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

The Return On Assets of HMST (-1.78%) is worse than 97.99% of its industry peers.
With a Return On Equity value of -36.36%, HMST is not doing good in the industry: 97.99% of the companies in the same industry are doing better.
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.
HMST has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, HMST has less shares outstanding
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.
The Debt to Equity ratio of HMST (1.80) is worse 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
WACC14.89%
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 -352.27%.
HMST shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -63.73%.
HMST shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -22.09% yearly.
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

HMST is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 69.75% yearly.
HMST is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.38% yearly.
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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2

4. Valuation

4.1 Price/Earnings Ratio

HMST reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Based on the Price/Forward Earnings ratio of 35.62, the valuation of HMST can be described as expensive.
Based on the Price/Forward Earnings ratio, HMST is valued a bit more expensive than 79.90% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of HMST to the average of the S&P500 Index (21.08), we can say HMST is valued expensively.
Industry RankSector Rank
PE N/A
Fwd PE 35.62
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 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

With a Yearly Dividend Yield of 6.44%, HMST is a good candidate for dividend investing.
HMST's Dividend Yield is rather good when compared to the industry average which is at 3.70. HMST pays more dividend than 93.47% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.52, 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 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 (4/17/2025, 8:26:42 PM)

After market: 10.9 0 (0%)

10.9

+0.01 (+0.09%)

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 Change0.33%
Ins Owners3.9%
Ins Owner Change1.74%
Market Cap206.23M
Analysts78
Price Target13.39 (22.84%)
Short Float %3.55%
Short Ratio4.46
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)6.06%
PT rev (3m)6.06%
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 35.62
P/S 2.72
P/FCF N/A
P/OCF N/A
P/B 0.52
P/tB 0.71
EV/EBITDA N/A
EPS(TTM)-1.11
EYN/A
EPS(NY)0.31
Fwd EY2.81%
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
WACC14.89%
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)-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-1201.61%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-672.3%
OCF growth 3YN/A
OCF growth 5YN/A