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HMST

HomeStreet Inc (HMST)

$10.13

Delayed price

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Upturn Advisory Summary

02/20/2025: HMST (2-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

Below Average Performance

These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration 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 02/20/2025

Key Highlights

Company Size Small-Cap Stock	Market Capitalization 184.80M USD	Price to earnings Ratio -	1Y Target Price 11.5
Price to earnings Ratio -	1Y Target Price 11.5
Volume (30-day avg) 155125	Beta 1.46	52 Weeks Range 8.09 - 16.10	Updated Date 02/21/2025
52 Weeks Range 8.09 - 16.10	Updated Date 02/21/2025
Dividends yield (FY) -	Basic EPS (TTM) -7.65

Revenue by Products

Earnings Date

Report Date 2025-01-27

When After Market

Estimate -0.22

Actual -0.27

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 50.76	Enterprise Value 1009558144	Price to Sales(TTM) 2.44
Enterprise Value 1009558144	Price to Sales(TTM) 2.44
Enterprise Value to Revenue 30.9	Enterprise Value to EBITDA -	Shares Outstanding 18857600	Shares Floating 14868624
Shares Outstanding 18857600	Shares Floating 14868624
Percent Insiders 5.15	Percent Institutions 83.53

AI Summary

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.

About HomeStreet Inc

Exchange NASDAQ	Headquaters Seattle, WA, United States
IPO Launch date 2012-02-10	Executive Chairman, President & CEO Mr. Mark K. Mason CPA
Sector Financial Services	Industry Banks - Regional	Full time employees 792	Website https://www.homestreet.com
Full time employees 792	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 in the Western United States. The company offers personal and business checking, savings, interest-bearing negotiable order of withdrawal, and money market accounts, as well as certificates of deposit; credit cards; insurance; and treasury management services. Its loan products include commercial real estate (CRE), multifamily, construction and land development, owner occupied CRE and commercial business loans; and single family, home equity, and other loans. In addition, the company offers online, mobile, and telephone banking. It serves small and medium sized businesses, real estate investors, professional firms, and individuals. The company operates through branches and ATMs. 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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