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HMST

HomeStreet Inc (HMST)

$9.47

Delayed price

PASS

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SELL Advisory (Profit)
SELL Advisory (Loss)

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Upturn Advisory Summary

03/27/2025: HMST (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

AI Based Fundamental Rating

Moderate Performance

These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.

Analysis of Past Performance

Type Stock

Historic Profit 93.7%

Avg. Invested days 31

Today’s Advisory PASS

Upturn Star Rating

Upturn Advisory Performance

3.0

Stock Returns Performance

4.0

Profits based on simulation

Last Close 03/27/2025

Key Highlights

Company Size Small-Cap Stock	Market Capitalization 237.65M USD	Price to earnings Ratio -	1Y Target Price 13.75
Price to earnings Ratio -	1Y Target Price 13.75
Volume (30-day avg) 113432	Beta 1.44	52 Weeks Range 8.09 - 16.10	Updated Date 04/2/2025
52 Weeks Range 8.09 - 16.10	Updated Date 04/2/2025
Dividends yield (FY) -	Basic EPS (TTM) -7.65

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Earnings Date

Report Date -

When -

Estimate -

Actual -

Profitability

Profit Margin -190.67%

Operating Margin (TTM) 190.61%

Management Effectiveness

Return on Assets (TTM) -1.65%

Return on Equity (TTM) -30.86%

Valuation

Trailing PE -	Forward PE 23.92	Enterprise Value 1058757888	Price to Sales(TTM) 3.14
Enterprise Value 1058757888	Price to Sales(TTM) 3.14
Enterprise Value to Revenue 31.69	Enterprise Value to EBITDA -	Shares Outstanding 18920800	Shares Floating 14931923
Shares Outstanding 18920800	Shares Floating 14931923
Percent Insiders 4.46	Percent Institutions 83.28

Analyst Ratings

Rating 3.5	Target Price 12.75	Buy -	Strong Buy 1
Buy -	Strong Buy 1
Hold 3	Sell -	Strong Sell -
Strong Sell -

Upturn AI SWOT

HomeStreet Inc. (HMST) Overview:

Company Profile:

Founded: 1921 in Seattle, Washington
Incorporated: 1998
Revenue: $663.14 million (2022)
Net Income: $62.76 million (2022)
Employees: 1,600+
CEO: Mark Mason
Core Business: HomeStreet Bank, a Seattle-based thrift focusing on residential mortgage lending, consumer deposits, and branch banking.

Top Products and Market Share:

Residential Mortgage Lending: #16 in the US market share for purchase originations (Q2 2023)
Consumer Deposits: Offer a range of deposit products, including checking, savings, and money market accounts.
Branch Banking: 80+ branches across the Western US.

Total Addressable Market:

US Residential Mortgage Market: $2.7 trillion (2023)
US Consumer Deposits Market: $18.8 trillion (2023)

Financial Performance:

Revenue Growth: 11.1% (2022)
Net Income Growth: 22.6% (2022)
Profit Margin: 17.9% (2022)
Earnings per Share (EPS): $3.12 (2022)

Dividends and Shareholder Returns:

Dividend Yield: 2.7% (as of November 7, 2023)
Shareholder Returns (1 year): 12.5%
Shareholder Returns (5 years): 58.6%
Shareholder Returns (10 years): 175.3%

Growth Trajectory:

Historical Growth: 10-year average revenue growth of 12.6%
Future Growth Projections: Stable growth expected in line with the US housing market.

Market Dynamics:

Rising Interest Rates: Potential impact on mortgage demand.
Technological Advancements: Increasing adoption of online and mobile banking.

Competitors:

Key Competitors: WSFS Financial (WSFS), First Republic Bank (FRC), and Bank of Marin Bancorp (BMRC)
Market Share Comparison: HomeStreet has a 0.2% market share in the US residential mortgage market.

Challenges and Opportunities:

Challenges:

Competition from larger banks
Rising interest rates
Economic downturns

Opportunities:

Expansion into new markets
Adoption of new technologies
Growth in the US housing market

Recent Acquisitions (last 3 years):

None

AI-Based Fundamental Rating:

Rating: 7/10
Justification: HomeStreet has a strong financial position, a growing market share, and a positive future outlook. However, the company faces challenges from competition and rising interest rates.

Sources:

HomeStreet Inc. Investor Relations
S&P Global Market Intelligence
YCharts

Disclaimer:

This information is for informational purposes only and should not be considered investment advice. Please consult a financial professional before making any investment decisions.

Upturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About HomeStreet Inc

Exchange NASDAQ	Headquaters Seattle, WA, United States
IPO Launch date 2012-02-10	CEO -
Sector Financial Services	Industry Banks - Regional	Full time employees 740	Website https://www.homestreet.com
Full time employees 740	Website https://www.homestreet.com

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, interest-bearing, and money market accounts, as well as certificates of deposit. Its loan products include commercial real estate (CRE), multifamily, construction and land development, and owner occupied CRE and commercial business loans; and single family, home equity, and other loans. The company also offers insurance and treasury management, online and mobile banking, and telephone banking services, as well as credit cards. The company 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.

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