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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.05
HMST's Cash-to-Debt is ranked lower than
98% of the 1482 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.92 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: 0.07 Max: 2.2
Current: 0.05
0.03
2.2
Equity-to-Asset 0.10
HMST's Equity-to-Asset is ranked lower than
55% of the 1484 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: 0.1
Current: 0.1
0.02
0.1
Interest Coverage 3.08
HMST's Interest Coverage is ranked higher than
68% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.67 vs. HMST: 3.08 )
Ranked among companies with meaningful Interest Coverage only.
HMST' s Interest Coverage Range Over the Past 10 Years
Min: 0.52  Med: 2.86 Max: 5.2
Current: 3.08
0.52
5.2
Piotroski F-Score: 3
Beneish M-Score: -2.06
WACC vs ROIC
2.24%
3.85%
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 : 6/10

vs
industry
vs
history
Operating Margin % 16.84
HMST's Operating Margin % is ranked lower than
79% of the 1497 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.60 vs. HMST: 16.84 )
Ranked among companies with meaningful Operating Margin % only.
HMST' s Operating Margin % Range Over the Past 10 Years
Min: -173.29  Med: 12.42 Max: 34.7
Current: 16.84
-173.29
34.7
Net Margin % 10.78
HMST's Net Margin % is ranked lower than
81% of the 1496 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.84 vs. HMST: 10.78 )
Ranked among companies with meaningful Net Margin % only.
HMST' s Net Margin % Range Over the Past 10 Years
Min: -121.54  Med: 9.3 Max: 27.49
Current: 10.78
-121.54
27.49
ROE % 10.50
HMST's ROE % is ranked higher than
68% of the 1495 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.26 vs. HMST: 10.50 )
Ranked among companies with meaningful ROE % only.
HMST' s ROE % Range Over the Past 10 Years
Min: -120  Med: 9.81 Max: 46.91
Current: 10.5
-120
46.91
ROA % 1.01
HMST's ROA % is ranked higher than
62% of the 1504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. HMST: 1.01 )
Ranked among companies with meaningful ROA % only.
HMST' s ROA % Range Over the Past 10 Years
Min: -3.44  Med: 0.76 Max: 3.35
Current: 1.01
-3.44
3.35
3-Year Revenue Growth Rate 6.60
HMST's 3-Year Revenue Growth Rate is ranked higher than
64% of the 1300 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.80 vs. HMST: 6.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
HMST' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -9.3  Med: 6.6 Max: 23.2
Current: 6.6
-9.3
23.2
3-Year EBITDA Growth Rate 8.40
HMST's 3-Year EBITDA Growth Rate is ranked higher than
57% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.10 vs. HMST: 8.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
HMST' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -25.6  Med: 8.4 Max: 30.8
Current: 8.4
-25.6
30.8
3-Year EPS without NRI Growth Rate 13.30
HMST's 3-Year EPS without NRI Growth Rate is ranked higher than
67% of the 1174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. HMST: 13.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
HMST' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -31.1  Med: -19 Max: 13.3
Current: 13.3
-31.1
13.3
GuruFocus has detected 4 Warning Signs with HomeStreet Inc $HMST.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» HMST's 10-Y Financials

Financials (Next Earnings Date: 2017-04-23 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q2 2016

HMST Guru Trades in Q2 2016

David Dreman 112 sh (New)
Chuck Royce 151,900 sh (+61.77%)
NWQ Managers 894,114 sh (unchged)
Ken Fisher 114,888 sh (-15.11%)
Arnold Schneider 106,785 sh (-25.34%)
Jim Simons 31,300 sh (-79.38%)
» More
Q3 2016

HMST Guru Trades in Q3 2016

Jim Simons 40,400 sh (+29.07%)
David Dreman 112 sh (unchged)
Arnold Schneider Sold Out
NWQ Managers 825,334 sh (-7.69%)
Ken Fisher 87,940 sh (-23.46%)
Chuck Royce 111,900 sh (-26.33%)
» More
Q4 2016

HMST Guru Trades in Q4 2016

Paul Tudor Jones 16,100 sh (New)
Jim Simons 303,200 sh (+650.50%)
David Dreman 112 sh (unchged)
NWQ Managers 812,114 sh (-1.60%)
Chuck Royce 72,200 sh (-35.48%)
Ken Fisher 42,841 sh (-51.28%)
» 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    NAICS: 522120    SIC: 6036
Compare:NAS:LOB, NAS:DCOM, NAS:FFIC, NAS:HONE, NAS:CASH, NAS:UBNK, NAS:WSBF, NAS:OCFC, NAS:FDEF, NAS:BKMU, NAS:EBSB, NAS:UCFC, NAS:EBTC, NAS:HIFS, NAS:CSBK, NAS:BSF, NAS:TBNK, NAS:BFIN, OTCPK:NASB, NAS:HBCP » 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
PE Ratio 11.26
HMST's PE Ratio is ranked higher than
64% of the 1638 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.36 vs. HMST: 11.26 )
Ranked among companies with meaningful PE Ratio only.
HMST' s PE Ratio Range Over the Past 10 Years
Min: 2.25  Med: 10.9 Max: 23.22
Current: 11.26
2.25
23.22
Forward PE Ratio 10.66
HMST's Forward PE Ratio is ranked higher than
79% of the 407 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.26 vs. HMST: 10.66 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 11.26
HMST's PE Ratio without NRI is ranked higher than
65% of the 1595 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.62 vs. HMST: 11.26 )
Ranked among companies with meaningful PE Ratio without NRI only.
HMST' s PE Ratio without NRI Range Over the Past 10 Years
Min: 2.24  Med: 10.9 Max: 23.22
Current: 11.26
2.24
23.22
Price-to-Owner-Earnings 9.16
HMST's Price-to-Owner-Earnings is ranked higher than
70% of the 860 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.74 vs. HMST: 9.16 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
HMST' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.96  Med: 11.51 Max: 40.44
Current: 9.16
5.96
40.44
PB Ratio 1.11
HMST's PB Ratio is ranked higher than
52% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. HMST: 1.11 )
Ranked among companies with meaningful PB Ratio only.
HMST' s PB Ratio Range Over the Past 10 Years
Min: 0.8  Med: 1.06 Max: 1.52
Current: 1.11
0.8
1.52
PS Ratio 1.17
HMST's PS Ratio is ranked higher than
90% of the 1539 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.41 vs. HMST: 1.17 )
Ranked among companies with meaningful PS Ratio only.
HMST' s PS Ratio Range Over the Past 10 Years
Min: 0.62  Med: 1.03 Max: 1.5
Current: 1.17
0.62
1.5
EV-to-EBIT 18.08
HMST's EV-to-EBIT is ranked lower than
67% of the 1204 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.59 vs. HMST: 18.08 )
Ranked among companies with meaningful EV-to-EBIT only.
HMST' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.1  Med: 21.5 Max: 40.2
Current: 18.08
4.1
40.2
EV-to-EBITDA 15.39
HMST's EV-to-EBITDA is ranked lower than
65% of the 1219 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.36 vs. HMST: 15.39 )
Ranked among companies with meaningful EV-to-EBITDA only.
HMST' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.6  Med: 16 Max: 22.2
Current: 15.39
3.6
22.2
PEG Ratio 1.55
HMST's PEG Ratio is ranked lower than
54% of the 767 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. HMST: 1.55 )
Ranked among companies with meaningful PEG Ratio only.
HMST' s PEG Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 2.05
Current: 1.55
0
2.05

Buy Back

vs
industry
vs
history
3-Year Dividend Growth Rate -100.00
HMST's 3-Year Dividend Growth Rate is ranked lower than
99% of the 771 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. HMST: -100.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
HMST' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: -100
Current: -100
5-Year Yield-on-Cost % 0.71
HMST's 5-Year Yield-on-Cost % is ranked lower than
94% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. HMST: 0.71 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
HMST' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 0.71
3-Year Average Share Buyback Ratio -21.90
HMST's 3-Year Average Share Buyback Ratio is ranked lower than
91% of the 997 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.60 vs. HMST: -21.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
HMST' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -39.9  Med: -21.9 Max: -1.2
Current: -21.9
-39.9
-1.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.93
HMST's Price-to-Tangible-Book is ranked lower than
78% of the 1534 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. HMST: 1.93 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
HMST' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.55  Med: 2.19 Max: 3.24
Current: 1.93
1.55
3.24
Price-to-Median-PS-Value 1.16
HMST's Price-to-Median-PS-Value is ranked lower than
53% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. HMST: 1.16 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
HMST' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.89  Med: 1.08 Max: 1.41
Current: 1.16
0.89
1.41
Price-to-Graham-Number 0.98
HMST's Price-to-Graham-Number is ranked lower than
54% of the 1344 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.96 vs. HMST: 0.98 )
Ranked among companies with meaningful Price-to-Graham-Number only.
HMST' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.64  Med: 0.91 Max: 1.34
Current: 0.98
0.64
1.34
Earnings Yield (Greenblatt) % 5.52
HMST's Earnings Yield (Greenblatt) % is ranked lower than
52% of the 1560 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.77 vs. HMST: 5.52 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
HMST' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.5  Med: 4.6 Max: 24.5
Current: 5.52
2.5
24.5
Forward Rate of Return (Yacktman) % -35.97
HMST's Forward Rate of Return (Yacktman) % is ranked lower than
97% of the 885 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.32 vs. HMST: -35.97 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
HMST' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -36.8  Med: -34.75 Max: -31.3
Current: -35.97
-36.8
-31.3

More Statistics

Revenue (TTM) (Mil) $539.2
EPS (TTM) $ 2.32
Beta0.01
Short Percentage of Float4.55%
52-Week Range $18.74 - 33.70
Shares Outstanding (Mil)26.84

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 579 616
EPS ($) 2.44 2.93
EPS without NRI ($) 2.44 2.93
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.00%
Dividends per Share ($)
» More Articles for HMST

Headlines

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