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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.05
HMST's Cash to Debt is ranked lower than
54% of the 1677 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.41 vs. HMST: 0.05 )
HMST' s 10-Year Cash to Debt Range
Min: 0.05   Max: 2.2
Current: 0.05

0.05
2.2
Equity to Asset 0.09
HMST's Equity to Asset is ranked higher than
68% of the 2349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. HMST: 0.09 )
HMST' s 10-Year Equity to Asset Range
Min: 0.02   Max: 0.1
Current: 0.09

0.02
0.1
Interest Coverage 2.64
HMST's Interest Coverage is ranked higher than
80% of the 2175 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. HMST: 2.64 )
HMST' s 10-Year Interest Coverage Range
Min: 0.52   Max: 5.2
Current: 2.64

0.52
5.2
F-Score: 1
Z-Score: 0.29
WACC vs ROIC
2.54%
3.55%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 3/10

vs
industry
vs
history
Operating margin (%) 13.25
HMST's Operating margin (%) is ranked higher than
55% of the 2377 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.48 vs. HMST: 13.25 )
HMST' s 10-Year Operating margin (%) Range
Min: -173.29   Max: 34.7
Current: 13.25

-173.29
34.7
Net-margin (%) 9.09
HMST's Net-margin (%) is ranked higher than
53% of the 2377 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.33 vs. HMST: 9.09 )
HMST' s 10-Year Net-margin (%) Range
Min: -121.54   Max: 27.49
Current: 9.09

-121.54
27.49
ROE (%) 9.47
HMST's ROE (%) is ranked higher than
78% of the 2380 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.85 vs. HMST: 9.47 )
HMST' s 10-Year ROE (%) Range
Min: -45.46   Max: 46.91
Current: 9.47

-45.46
46.91
ROA (%) 0.84
HMST's ROA (%) is ranked higher than
74% of the 2384 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.79 vs. HMST: 0.84 )
HMST' s 10-Year ROA (%) Range
Min: -1.2   Max: 3.35
Current: 0.84

-1.2
3.35
ROC (Joel Greenblatt) (%) 98.32
HMST's ROC (Joel Greenblatt) (%) is ranked higher than
78% of the 2346 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 86.24 vs. HMST: 98.32 )
HMST' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -988.65   Max: 951.08
Current: 98.32

-988.65
951.08
Revenue Growth (3Y)(%) -9.20
HMST's Revenue Growth (3Y)(%) is ranked higher than
54% of the 2043 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. HMST: -9.20 )
HMST' s 10-Year Revenue Growth (3Y)(%) Range
Min: -9.3   Max: 9
Current: -9.2

-9.3
9
» HMST's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

HMST Guru Trades in Q1 2014

Arnold Schneider 162,390 sh (+194.25%)
NWQ Managers 426,857 sh (-54.39%)
NWQ Managers 426,857 sh (-54.39%)
» More
Q2 2014

HMST Guru Trades in Q2 2014

Arnold Schneider 278,055 sh (+71.23%)
NWQ Managers 137,003 sh (-67.90%)
» More
Q3 2014

HMST Guru Trades in Q3 2014

Paul Tudor Jones 12,050 sh (New)
Arnold Schneider 285,105 sh (+2.54%)
NWQ Managers 139,323 sh (+1.69%)
» More
Q4 2014

HMST Guru Trades in Q4 2014

NWQ Managers 275,018 sh (+97.40%)
Arnold Schneider 335,138 sh (+17.55%)
Paul Tudor Jones 11,950 sh (-0.83%)
» More
» Details

Insider Trades

Latest Guru Trades with HMST

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 14.00
HMST's P/E(ttm) is ranked higher than
78% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.60 vs. HMST: 14.00 )
HMST' s 10-Year P/E(ttm) Range
Min: 2.27   Max: 22.91
Current: 14

2.27
22.91
Forward P/E 7.15
HMST's Forward P/E is ranked higher than
96% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HMST: 7.15 )
N/A
PE(NRI) 13.90
HMST's PE(NRI) is ranked higher than
82% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.70 vs. HMST: 13.90 )
HMST' s 10-Year PE(NRI) Range
Min: 2.27   Max: 22.94
Current: 13.9

2.27
22.94
P/B 0.80
HMST's P/B is ranked higher than
87% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.40 vs. HMST: 0.80 )
HMST' s 10-Year P/B Range
Min: 0.8   Max: 1.52
Current: 0.8

0.8
1.52
P/S 1.10
HMST's P/S is ranked higher than
95% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.68 vs. HMST: 1.10 )
HMST' s 10-Year P/S Range
Min: 0.63   Max: 1.29
Current: 1.1

0.63
1.29
EV-to-EBIT 32.60
HMST's EV-to-EBIT is ranked higher than
65% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.40 vs. HMST: 32.60 )
HMST' s 10-Year EV-to-EBIT Range
Min: 4.5   Max: 40.2
Current: 32.6

4.5
40.2
Days Sales Outstanding 115.10
HMST's Days Sales Outstanding is ranked higher than
81% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. HMST: 115.10 )
HMST' s 10-Year Days Sales Outstanding Range
Min: 90.99   Max: 168.25
Current: 115.1

90.99
168.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.60
HMST's Dividend Yield is ranked lower than
90% of the 2226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.49 vs. HMST: 0.60 )
HMST' s 10-Year Dividend Yield Range
Min: 0.48   Max: 0.65
Current: 0.6

0.48
0.65
Yield on cost (5-Year) 0.60
HMST's Yield on cost (5-Year) is ranked lower than
88% of the 2235 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.84 vs. HMST: 0.60 )
HMST' s 10-Year Yield on cost (5-Year) Range
Min: 0.48   Max: 0.65
Current: 0.6

0.48
0.65
Share Buyback Rate -37.60
HMST's Share Buyback Rate is ranked higher than
50% of the 1686 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.40 vs. HMST: -37.60 )
HMST' s 10-Year Share Buyback Rate Range
Min: -36.5   Max: -39.9
Current: -37.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.18
HMST's Price/Tangible Book is ranked higher than
79% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. HMST: 1.18 )
HMST' s 10-Year Price/Tangible Book Range
Min: 0.99   Max: 3.24
Current: 1.18

0.99
3.24
Price/Median PS Value 1.11
HMST's Price/Median PS Value is ranked higher than
81% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. HMST: 1.11 )
HMST' s 10-Year Price/Median PS Value Range
Min: 0.93   Max: 1.19
Current: 1.11

0.93
1.19
Price/Graham Number 1.06
HMST's Price/Graham Number is ranked higher than
73% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. HMST: 1.06 )
HMST' s 10-Year Price/Graham Number Range
Min: 0.66   Max: 1.34
Current: 1.06

0.66
1.34
Earnings Yield (Greenblatt) 3.10
HMST's Earnings Yield (Greenblatt) is ranked higher than
54% of the 2352 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. HMST: 3.10 )
HMST' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.5   Max: 22.1
Current: 3.1

2.5
22.1

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare: » details
HomeStreet Inc was founded in 1921 in the State of Washington. The Company, together with its subsidiaries, is a diversified financial services company serving customers in the Pacific Northwest, California and Hawaii. It is engaged in real estate lending, including mortgage banking activities, and commercial and consumer banking. It serves bank that provides residential and commercial loans, deposit products and services, non-deposit investment products, private banking and cash management services. Its loan products include single family residential mortgages, loans secured by commercial real estate, loans for residential and commercial real estate construction, and commercial business loans. HomeStreet Capital Corporation, a Washington corporation, originates, sells and services multifamily mortgage loans under the Fannie Mae Delegated Underwriting and Servicing Program in conjunction with HomeStreet Bank. Doing business as HomeStreet Insurance, it provides insurance products and services for consumers and businesses. It also offers single family home loans through its partial ownership in an affiliated business arrangement known as WMS Series LLC. The Company operates in two business segments; Commercial and Consumer Banking, and Mortgage Banking. Commercial and Consumer Banking provides diversified financial products and services to its commercial and consumer customers through personal service at bank branches and through ATMs, online, mobile and telephone banking. Its products and services include deposit products; residential, consumer and business portfolio loans; investment products; insurance products and cash management services. It originate residential and commercial construction loans, bridge loans and permanent loans for its portfolio on single family residences, and on office, retail, industrial and multifamily property types. Mortgage Banking originates and purchases single family mortgage loans for sale in the secondary markets. Its single family mortgage loans are originated on a retail basis by HomeStreet loan officers. The Company competes with banks, savings and loan associations, credit unions, mortgage banking companies, insurance companies, finance companies, and investment and mutual fund companies.
» More Articles for HMST

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