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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
97% of the 1178 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.07 vs. HMST: 0.05 )
Ranked among companies with meaningful Cash to Debt only.
HMST' s Cash to Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.10 Max: N/A
Current: 0.05
Equity to Asset 0.10
HMST's Equity to Asset is ranked lower than
58% of the 1648 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. HMST: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
HMST' s Equity to Asset Range Over the Past 10 Years
Min: 0.02  Med: 0.09 Max: 0.11
Current: 0.1
0.02
0.11
Interest Coverage 2.84
HMST's Interest Coverage is ranked higher than
66% of the 1534 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.67 vs. HMST: 2.84 )
Ranked among companies with meaningful Interest Coverage only.
HMST' s Interest Coverage Range Over the Past 10 Years
Min: 0.52  Med: 2.64 Max: 5.2
Current: 2.84
0.52
5.2
F-Score: 4
M-Score: -2.30
WACC vs ROIC
1.97%
2.69%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 12.14
HMST's Operating margin (%) is ranked lower than
85% of the 1663 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.83 vs. HMST: 12.14 )
Ranked among companies with meaningful Operating margin (%) only.
HMST' s Operating margin (%) Range Over the Past 10 Years
Min: -173.29  Med: 11.72 Max: 34.76
Current: 12.14
-173.29
34.76
Net-margin (%) 8.59
HMST's Net-margin (%) is ranked lower than
86% of the 1664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.36 vs. HMST: 8.59 )
Ranked among companies with meaningful Net-margin (%) only.
HMST' s Net-margin (%) Range Over the Past 10 Years
Min: -121.54  Med: 8.98 Max: 27.53
Current: 8.59
-121.54
27.53
ROE (%) 7.99
HMST's ROE (%) is ranked lower than
53% of the 1659 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.33 vs. HMST: 7.99 )
Ranked among companies with meaningful ROE (%) only.
HMST' s ROE (%) Range Over the Past 10 Years
Min: -120  Med: 8.99 Max: 46.91
Current: 7.99
-120
46.91
ROA (%) 0.76
HMST's ROA (%) is ranked lower than
59% of the 1670 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. HMST: 0.76 )
Ranked among companies with meaningful ROA (%) only.
HMST' s ROA (%) Range Over the Past 10 Years
Min: -3.44  Med: 0.68 Max: 3.35
Current: 0.76
-3.44
3.35
Revenue Growth (3Y)(%) -2.10
HMST's Revenue Growth (3Y)(%) is ranked lower than
71% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.50 vs. HMST: -2.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HMST' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -10.7  Med: -5.70 Max: 8.9
Current: -2.1
-10.7
8.9
» HMST's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-27)


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

» Details

Guru Trades

Q2 2015

HMST Guru Trades in Q2 2015

Chuck Royce 44,200 sh (New)
Jim Simons 222,743 sh (+20.79%)
Paul Tudor Jones 11,850 sh (+0.85%)
Charles Brandes Sold Out
NWQ Managers 313,266 sh (-10.26%)
Arnold Schneider 312,919 sh (-25.94%)
» More
Q3 2015

HMST Guru Trades in Q3 2015

Ken Fisher 123,168 sh (New)
NWQ Managers 908,569 sh (+190.03%)
Chuck Royce 44,200 sh (unchged)
Arnold Schneider 269,444 sh (-13.89%)
Jim Simons 191,700 sh (-13.94%)
Paul Tudor Jones 8,712 sh (-26.48%)
» More
Q4 2015

HMST Guru Trades in Q4 2015

Chuck Royce 87,300 sh (+97.51%)
Ken Fisher 135,345 sh (+9.89%)
Arnold Schneider 280,050 sh (+3.94%)
Paul Tudor Jones Sold Out
NWQ Managers 898,349 sh (-1.12%)
Jim Simons 171,400 sh (-10.59%)
» More
Q1 2016

HMST Guru Trades in Q1 2016

Chuck Royce 93,900 sh (+7.56%)
Ken Fisher 135,345 sh (unchged)
NWQ Managers 894,114 sh (-0.47%)
Jim Simons 151,800 sh (-11.44%)
Arnold Schneider 143,025 sh (-48.93%)
» 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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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NYSE:NYCB, NAS:PBCT, NAS:ISBC, NAS:WAFD, NAS:CFFN, NYSE:AF » details
HomeStreet Inc is a diversified financial services company. It serves bank that provides residential and commercial loans, deposit products and services, non-deposit investment products, private banking and cash management services.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 12.29
HMST's P/E(ttm) is ranked higher than
53% of the 1574 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.79 vs. HMST: 12.29 )
Ranked among companies with meaningful P/E(ttm) only.
HMST' s P/E(ttm) Range Over the Past 10 Years
Min: 1.18  Med: 10.77 Max: 22.91
Current: 12.29
1.18
22.91
Forward P/E 8.34
HMST's Forward P/E is ranked higher than
82% of the 376 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.05 vs. HMST: 8.34 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.29
HMST's PE(NRI) is ranked higher than
53% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.69 vs. HMST: 12.29 )
Ranked among companies with meaningful PE(NRI) only.
HMST' s PE(NRI) Range Over the Past 10 Years
Min: 1.18  Med: 10.75 Max: 22.94
Current: 12.29
1.18
22.94
Price/Owner Earnings (ttm) 17.48
HMST's Price/Owner Earnings (ttm) is ranked lower than
72% of the 857 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.46 vs. HMST: 17.48 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
HMST' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.8  Med: 7.71 Max: 18.18
Current: 17.48
5.8
18.18
P/B 0.95
HMST's P/B is ranked higher than
58% of the 1655 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. HMST: 0.95 )
Ranked among companies with meaningful P/B only.
HMST' s P/B Range Over the Past 10 Years
Min: 0.52  Med: 1.05 Max: 1.52
Current: 0.95
0.52
1.52
P/S 1.05
HMST's P/S is ranked higher than
89% of the 1647 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.94 vs. HMST: 1.05 )
Ranked among companies with meaningful P/S only.
HMST' s P/S Range Over the Past 10 Years
Min: 0.27  Med: 1.01 Max: 1.27
Current: 1.05
0.27
1.27
PFCF 2.65
HMST's PFCF is ranked higher than
81% of the 892 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.24 vs. HMST: 2.65 )
Ranked among companies with meaningful PFCF only.
HMST' s PFCF Range Over the Past 10 Years
Min: 0.92  Med: 2.14 Max: 5.1
Current: 2.65
0.92
5.1
POCF 2.34
HMST's POCF is ranked higher than
82% of the 992 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.94 vs. HMST: 2.34 )
Ranked among companies with meaningful POCF only.
HMST' s POCF Range Over the Past 10 Years
Min: 0.85  Med: 1.92 Max: 3.5
Current: 2.34
0.85
3.5
EV-to-EBIT 26.60
HMST's EV-to-EBIT is ranked lower than
83% of the 1513 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. HMST: 26.60 )
Ranked among companies with meaningful EV-to-EBIT only.
HMST' s EV-to-EBIT Range Over the Past 10 Years
Min: 2.4  Med: 22.70 Max: 40.2
Current: 26.6
2.4
40.2
EV-to-EBITDA 21.03
HMST's EV-to-EBITDA is ranked lower than
79% of the 1514 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.89 vs. HMST: 21.03 )
Ranked among companies with meaningful EV-to-EBITDA only.
HMST' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.1  Med: 16.15 Max: 22.2
Current: 21.03
2.1
22.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.40
HMST's Price/Tangible Book is ranked lower than
65% of the 1645 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. HMST: 1.40 )
Ranked among companies with meaningful Price/Tangible Book only.
HMST' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.07  Med: 1.73 Max: 3.24
Current: 1.4
1.07
3.24
Price/Median PS Value 1.05
HMST's Price/Median PS Value is ranked lower than
57% of the 1568 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.01 vs. HMST: 1.05 )
Ranked among companies with meaningful Price/Median PS Value only.
HMST' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.53  Med: 1.00 Max: 1.16
Current: 1.05
0.53
1.16
Price/Graham Number 0.88
HMST's Price/Graham Number is ranked lower than
54% of the 1460 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. HMST: 0.88 )
Ranked among companies with meaningful Price/Graham Number only.
HMST' s Price/Graham Number Range Over the Past 10 Years
Min: 0.33  Med: 0.89 Max: 1.55
Current: 0.88
0.33
1.55
Earnings Yield (Greenblatt) (%) 3.80
HMST's Earnings Yield (Greenblatt) (%) is ranked lower than
75% of the 1660 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.00 vs. HMST: 3.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HMST' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.5  Med: 4.40 Max: 40.8
Current: 3.8
2.5
40.8

More Statistics

Revenue (TTM) (Mil) $435.9
EPS (TTM) $ 1.67
Beta0.16
Short Percentage of Float5.43%
52-Week Range $18.58 - 24.43
Shares Outstanding (Mil)24.80

Analyst Estimate

Dec16 Dec17
Revenue (Mil $) 474 498
EPS ($) 2.10 2.46
EPS without NRI ($) 2.10 2.46
EPS Growth Rate
(3Y to 5Y Estimate)
10.00%
» More Articles for HMST

Headlines

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