HomeStreet, Inc. Logo

HomeStreet, Inc.

HMST

(1.2)
Stock Price

11,07 USD

-0.16% ROA

-2.85% ROE

-19.07x PER

Market Cap.

283.429.728,00 USD

405.86% DER

0.67% Yield

-4.13% NPM

HomeStreet, Inc. Stock Analysis

HomeStreet, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

HomeStreet, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.25x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Assets Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

3 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

4 Dividend

The company's history of regular dividend distributions in the last three years showcases its ability to generate reliable income for shareholders.

5 ROE

The stock's ROE indicates a negative return (-2.88%) on shareholders' equity, suggesting poor financial performance.

6 ROA

The stock's ROA (-0.17%) suggests that it's struggling to generate profits from its assets, making it a risky choice for investment.

7 DER

The stock is burdened with a heavy load of debt (417%), making it financially unstable and potentially risky for investors.

8 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

9 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

10 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

11 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (-119) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

HomeStreet, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

HomeStreet, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Sell
4 Stoch RSI Sell

HomeStreet, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

HomeStreet, Inc. Revenue
Year Revenue Growth
2009 90.732.000
2010 135.965.000 33.27%
2011 144.462.000 5.88%
2012 286.085.000 49.5%
2013 249.994.000 -14.44%
2014 264.746.000 5.57%
2015 391.171.000 32.32%
2016 503.803.000 22.36%
2017 472.851.000 -6.55%
2018 404.139.000 -17%
2019 235.497.000 -71.61%
2020 328.022.000 28.21%
2021 319.119.000 -2.79%
2022 254.896.000 -25.2%
2023 167.188.000 -52.46%
2023 399.743.000 58.18%
2024 457.396.000 12.6%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

HomeStreet, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2009 0
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

HomeStreet, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2009 66.958.000
2010 80.870.000 17.2%
2011 84.208.000 3.96%
2012 150.735.000 44.14%
2013 191.239.000 21.18%
2014 208.536.000 8.29%
2015 301.905.000 30.93%
2016 369.974.000 18.4%
2017 362.185.000 -2.15%
2018 308.642.000 -17.35%
2019 157.871.000 -95.5%
2020 170.336.000 7.32%
2021 163.598.000 -4.12%
2022 150.910.000 -8.41%
2023 144.816.000 -4.21%
2023 38.809.000 -273.15%
2024 152.884.000 74.62%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

HomeStreet, Inc. EBITDA
Year EBITDA Growth
2009 -55.404.000
2010 25.000.000 321.62%
2011 50.200.000 50.2%
2012 128.469.000 60.92%
2013 64.273.000 -99.88%
2014 63.442.000 -1.31%
2015 88.560.000 28.36%
2016 135.932.000 34.85%
2017 132.079.000 -2.92%
2018 115.713.000 -14.14%
2019 27.134.000 -326.45%
2020 118.361.000 77.08%
2021 165.349.000 28.42%
2022 174.003.000 4.97%
2023 5.588.000 -3013.87%
2023 -32.757.000 117.06%
2024 14.120.000 331.99%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

HomeStreet, Inc. Gross Profit
Year Gross Profit Growth
2009 90.732.000
2010 135.965.000 33.27%
2011 144.462.000 5.88%
2012 294.952.000 51.02%
2013 249.994.000 -17.98%
2014 264.746.000 5.57%
2015 391.171.000 32.32%
2016 503.803.000 22.36%
2017 472.851.000 -6.55%
2018 404.139.000 -17%
2019 235.497.000 -71.61%
2020 328.022.000 28.21%
2021 319.119.000 -2.79%
2022 254.896.000 -25.2%
2023 167.188.000 -52.46%
2023 399.743.000 58.18%
2024 690.176.000 42.08%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

HomeStreet, Inc. Net Profit
Year Net Profit Growth
2009 -110.276.000
2010 -34.247.000 -222%
2011 16.119.000 312.46%
2012 82.126.000 80.37%
2013 23.809.000 -244.94%
2014 22.259.000 -6.96%
2015 41.319.000 46.13%
2016 58.151.000 28.95%
2017 68.946.000 15.66%
2018 40.027.000 -72.25%
2019 40.720.000 1.7%
2020 79.990.000 49.09%
2021 115.422.000 30.7%
2022 66.540.000 -73.46%
2023 9.180.000 -624.84%
2023 -27.508.000 133.37%
2024 -24.952.000 -10.24%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

HomeStreet, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2009 -20
2010 -6 -233.33%
2011 1 700%
2012 6 83.33%
2013 2 -500%
2014 2 0%
2015 2 0%
2016 2 50%
2017 3 0%
2018 1 -100%
2019 2 0%
2020 4 66.67%
2021 6 40%
2022 4 -66.67%
2023 0 0%
2023 -1 100%
2024 -1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

HomeStreet, Inc. Free Cashflow
Year Free Cashflow Growth
2009 -26.978.000
2010 -45.363.000 40.53%
2011 86.917.000 152.19%
2012 -408.016.000 121.3%
2013 281.150.000 245.12%
2014 -368.553.000 176.28%
2015 -12.258.000 -2906.63%
2016 -70.015.000 82.49%
2017 117.660.000 159.51%
2018 -12.926.000 1010.26%
2019 256.559.000 105.04%
2020 -28.843.000 989.5%
2021 170.094.000 116.96%
2022 211.542.000 19.59%
2023 9.034.000 -2241.62%
2023 -10.000 90440%
2024 -23.684.000 99.96%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

HomeStreet, Inc. Operating Cashflow
Year Operating Cashflow Growth
2009 -23.556.000
2010 -43.042.000 45.27%
2011 89.720.000 147.97%
2012 -391.870.000 122.9%
2013 304.030.000 228.89%
2014 -348.636.000 187.21%
2015 8.311.000 4294.87%
2016 -44.813.000 118.55%
2017 160.568.000 127.91%
2018 -3.198.000 5120.89%
2019 258.830.000 101.24%
2020 -25.545.000 1113.23%
2021 173.035.000 114.76%
2022 218.328.000 20.75%
2023 12.845.000 -1599.71%
2023 -10.000 128550%
2024 -23.395.000 99.96%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

HomeStreet, Inc. Capital Expenditure
Year Capital Expenditure Growth
2009 3.422.000
2010 2.321.000 -47.44%
2011 2.803.000 17.2%
2012 16.146.000 82.64%
2013 22.880.000 29.43%
2014 19.917.000 -14.88%
2015 20.569.000 3.17%
2016 25.202.000 18.38%
2017 42.908.000 41.27%
2018 9.728.000 -341.08%
2019 2.271.000 -328.36%
2020 3.298.000 31.14%
2021 2.941.000 -12.14%
2022 6.786.000 56.66%
2023 3.811.000 -78.06%
2023 0 0%
2024 289.000 100%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

HomeStreet, Inc. Equity
Year Equity Growth
2009 91.896.000
2010 58.789.000 -56.31%
2011 86.407.000 31.96%
2012 263.762.000 67.24%
2013 265.926.000 0.81%
2014 302.238.000 12.01%
2015 465.275.000 35.04%
2016 629.284.000 26.06%
2017 704.380.000 10.66%
2018 739.520.000 4.75%
2019 679.723.000 -8.8%
2020 717.750.000 5.3%
2021 715.339.000 -0.34%
2022 562.147.000 -27.25%
2023 538.387.000 -4.41%
2023 502.487.000 -7.14%
2024 520.116.999 3.39%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

HomeStreet, Inc. Assets
Year Assets Growth
2009 3.209.536.000
2010 2.485.697.000 -29.12%
2011 2.264.957.000 -9.75%
2012 2.631.230.000 13.92%
2013 3.066.054.000 14.18%
2014 3.535.090.000 13.27%
2015 4.894.495.000 27.77%
2016 6.243.700.000 21.61%
2017 6.742.041.000 7.39%
2018 7.042.221.000 4.26%
2019 6.812.435.000 -3.37%
2020 7.237.091.000 5.87%
2021 7.204.091.000 -0.46%
2022 9.364.760.000 23.07%
2023 9.432.891.000 0.72%
2023 9.458.751.000 0.27%
2024 9.266.039.000 -2.08%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

HomeStreet, Inc. Liabilities
Year Liabilities Growth
2009 3.117.640.000
2010 2.426.908.000 -28.46%
2011 2.178.550.000 -11.4%
2012 2.367.468.000 7.98%
2013 2.800.128.000 15.45%
2014 3.232.852.000 13.39%
2015 4.429.220.000 27.01%
2016 5.614.416.000 21.11%
2017 6.037.661.000 7.01%
2018 6.302.701.000 4.21%
2019 6.132.712.000 -2.77%
2020 6.519.341.000 5.93%
2021 6.488.752.000 -0.47%
2022 8.802.613.000 26.29%
2023 8.894.504.000 1.03%
2023 8.956.264.000 0.69%
2024 8.745.922.000 -2.41%

HomeStreet, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
19.09
Net Income per Share
-0.79
Price to Earning Ratio
-19.07x
Price To Sales Ratio
0.79x
POCF Ratio
1142.86
PFCF Ratio
-35.98
Price to Book Ratio
0.54
EV to Sales
6.04
EV Over EBITDA
-225.62
EV to Operating CashFlow
8772.77
EV to FreeCashFlow
-276.2
Earnings Yield
-0.05
FreeCashFlow Yield
-0.03
Market Cap
0,28 Bil.
Enterprise Value
2,18 Bil.
Graham Number
22.11
Graham NetNet
-390.64

Income Statement Metrics

Net Income per Share
-0.79
Income Quality
-0.02
ROE
-0.03
Return On Assets
-0
Return On Capital Employed
-0.01
Net Income per EBT
0.7
EBT Per Ebit
1
Ebit per Revenue
-0.06
Effective Tax Rate
0.3

Margins

Sales, General, & Administrative to Revenue
0.26
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1.16
Operating Profit Margin
-0.06
Pretax Profit Margin
-0.06
Net Profit Margin
-0.04

Dividends

Dividend Yield
0.01
Dividend Yield %
0.67
Payout Ratio
-0.25
Dividend Per Share
0.1

Operating Metrics

Operating Cashflow per Share
0.01
Free CashFlow per Share
-0.42
Capex to Operating CashFlow
32.76
Capex to Revenue
0.02
Capex to Depreciation
0.63
Return on Invested Capital
-0.01
Return on Tangible Assets
-0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.43

Balance Sheet

Cash per Share
73,14
Book Value per Share
27,58
Tangible Book Value per Share
21.76
Shareholders Equity per Share
27.58
Interest Debt per Share
126.25
Debt to Equity
4.06
Debt to Assets
0.23
Net Debt to EBITDA
-196.23
Current Ratio
0.04
Tangible Asset Value
0,41 Bil.
Net Current Asset Value
-8,47 Bil.
Invested Capital
-6512886000
Working Capital
-6,67 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
7.45

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

HomeStreet, Inc. Dividends
Year Dividends Growth
2013 0
2014 0 0%
2020 1 0%
2021 1 100%
2022 1 0%
2023 1 0%

HomeStreet, Inc. Profile

About HomeStreet, Inc.

HomeStreet, Inc. operates as the bank holding company for HomeStreet Bank that provides commercial, mortgage, and consumer/retail banking services primarily in the Western United States. The company offers personal and business checking, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit; credit cards; insurance; and treasury management products and services. Its loan products include commercial business and agriculture loans, single family residential mortgages, consumer loans, commercial loans secured by residential and commercial real estate, and construction loans for residential and commercial real estate development, as well as consumer installment loans and permanent loans on commercial real estate and single-family residences. In addition, the company offers its products and services through bank branches, loan production offices, and ATMs, as well as through online, mobile, and telephone banking. As of December 31, 2021, it operated 60 full-service bank branches located in Washington state, Northern and Southern California, the Portland, Oregon, and Hawaii; and five primary stand-alone commercial lending centers in Central Washington, Oregon, Southern California, Idaho, and Utah. HomeStreet, Inc. serves small and medium sized businesses, real estate investors, professional firms, and individuals. The company was formerly known as Continental Mortgage and Loan Company. HomeStreet, Inc. was incorporated in 1921 and is headquartered in Seattle, Washington.

CEO
Mr. Mark K. Mason
Employee
849
Address
601 Union Street
Seattle, 98101

HomeStreet, Inc. Executives & BODs

HomeStreet, Inc. Executives & BODs
# Name Age
1 Mr. Darrell S. van Amen
Chief Investment Officer, Executive Vice President & Treasurer
70
2 Mr. Richard W. H. Bennion
Executive Vice President
70
3 Mr. Godfrey B. Evans
Chief Administrative Officer, Executive Vice President, General Counsel & Corporate Secretary
70
4 Mr. Mark K. Mason
Executive Chairman, President & Chief Executive Officer
70
5 Mr. Jay C. Iseman
Executive Vice President & Chief Credit Officer
70
6 Mr. Paul A. Renstrom
Senior Vice President of Homestreet Bank & Enterprise Risk Management Director
70
7 Mr. John Matthias Michel CPA
Executive Vice President & Chief Financial Officer
70
8 Mr. Troy D. Harper
Executive Vice President, Chief Information & Operations Officer
70
9 Mr. Erik D. Hand
Executive Vice President & Residential Lending Director of HomeStreet Bank
70
10 Ms. Paulette Lemon
Executive Vice President & Retail Banking Director of HomeStreet Bank
70

HomeStreet, Inc. Competitors