Switch to:

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
53% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. HMST: 0.05 )
HMST' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 0.05

Equity to Asset 0.09
HMST's Equity to Asset is ranked higher than
66% of the 2021 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: 0.11
Current: 0.09

0.02
0.11
Interest Coverage 2.39
HMST's Interest Coverage is ranked higher than
79% of the 1845 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. HMST: 2.39 )
HMST' s 10-Year Interest Coverage Range
Min: 0.52   Max: 5.2
Current: 2.39

0.52
5.2
F-Score: 1
Z-Score: 0.24
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 : 5/10

vs
industry
vs
history
Operating margin (%) 8.45
HMST's Operating margin (%) is ranked higher than
53% of the 2032 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.47 vs. HMST: 8.45 )
HMST' s 10-Year Operating margin (%) Range
Min: -173.29   Max: 34.7
Current: 8.45

-173.29
34.7
Net-margin (%) 6.00
HMST's Net-margin (%) is ranked higher than
52% of the 2032 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.42 vs. HMST: 6.00 )
HMST' s 10-Year Net-margin (%) Range
Min: -121.54   Max: 27.49
Current: 6

-121.54
27.49
ROE (%) 5.67
HMST's ROE (%) is ranked higher than
64% of the 2042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.60 vs. HMST: 5.67 )
HMST' s 10-Year ROE (%) Range
Min: -45.46   Max: 46.91
Current: 5.67

-45.46
46.91
ROA (%) 0.50
HMST's ROA (%) is ranked higher than
63% of the 2045 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. HMST: 0.50 )
HMST' s 10-Year ROA (%) Range
Min: -1.2   Max: 3.35
Current: 0.5

-1.2
3.35
ROC (Joel Greenblatt) (%) 58.26
HMST's ROC (Joel Greenblatt) (%) is ranked higher than
71% of the 2013 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 77.18 vs. HMST: 58.26 )
HMST' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -988.65   Max: 951.08
Current: 58.26

-988.65
951.08
» HMST's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

HMST Guru Trades in Q4 2013

Arnold Schneider 55,187 sh (New)
NWQ Managers 935,976 sh (+3.93%)
» More
Q1 2014

HMST Guru Trades in Q1 2014

Arnold Schneider 162,390 sh (+194.25%)
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 (-67.9%)
» 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
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Arnold Schneider 2014-06-30 Add 71.23%0.23%$16.67 - $19.65 $ 17.27-6%278055
NWQ Managers 2014-06-30 Reduce -67.9%0.05%$16.67 - $19.65 $ 17.27-6%137003
Arnold Schneider 2014-03-31 Add 194.25%0.23%$17.18 - $20.68 $ 17.27-9%162390
NWQ Managers 2014-03-31 Reduce -54.39%0.09%$17.18 - $20.68 $ 17.27-9%426857
Arnold Schneider 2013-12-31 New Buy0.1%$18.5 - $21.16 $ 17.27-13%55187
Arnold Schneider 2012-12-31 Sold Out 0.11%$18.89 - $26.67 $ 17.27-25%0
Arnold Schneider 2012-09-30 Reduce -42.81%0.07%$15.785 - $19.065 $ 17.27-3%31029
NWQ Managers 2012-09-30 Add 38.85%0.04%$15.785 - $19.065 $ 17.27-3%488715
Arnold Schneider 2012-06-30 Reduce -46.17%0.11%$13.62 - $17.46 $ 17.276%54255
Arnold Schneider 2012-03-31 New Buy0.23%$12.57 - $14.5 $ 17.2741%100795
NWQ Managers 2012-03-31 New Buy0.07%$12.57 - $14.5 $ 17.2741%356585
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 16.40
HMST's P/E(ttm) is ranked higher than
76% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.00 vs. HMST: 16.40 )
HMST' s 10-Year P/E(ttm) Range
Min: 2.27   Max: 22.91
Current: 16.4

2.27
22.91
P/B 0.87
HMST's P/B is ranked higher than
87% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. HMST: 0.87 )
HMST' s 10-Year P/B Range
Min: 0.82   Max: 1.52
Current: 0.87

0.82
1.52
P/S 0.98
HMST's P/S is ranked higher than
97% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.59 vs. HMST: 0.98 )
HMST' s 10-Year P/S Range
Min: 0.53   Max: 1.29
Current: 0.98

0.53
1.29
EV-to-EBIT 39.74
HMST's EV-to-EBIT is ranked higher than
62% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.57 vs. HMST: 39.74 )
HMST' s 10-Year EV-to-EBIT Range
Min: 4.1   Max: 40.2
Current: 39.74

4.1
40.2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.60
HMST's Dividend Yield is ranked lower than
91% of the 1880 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.31 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 1893 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.58 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

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.63
HMST's Price/Tangible Book is ranked higher than
71% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. HMST: 1.63 )
HMST' s 10-Year Price/Tangible Book Range
Min: 1.07   Max: 3.24
Current: 1.63

1.07
3.24
Price/Median PS Value 0.98
HMST's Price/Median PS Value is ranked higher than
87% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.22 vs. HMST: 0.98 )
HMST' s 10-Year Price/Median PS Value Range
Min: 0.55   Max: 1.18
Current: 0.98

0.55
1.18
Price/Graham Number 1.08
HMST's Price/Graham Number is ranked higher than
75% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. HMST: 1.08 )
HMST' s 10-Year Price/Graham Number Range
Min: 0.42   Max: 1.55
Current: 1.08

0.42
1.55
Earnings Yield (Greenblatt) 2.50
HMST's Earnings Yield (Greenblatt) is ranked higher than
57% of the 2006 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. HMST: 2.50 )
HMST' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.5   Max: 24.5
Current: 2.5

2.5
24.5

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

Headlines

Articles On GuruFocus.com
INVESTOR ALERT: Levi & Korsinsky, LLP Notifies Investors of Simplicity Bancorp, Inc. of Class Action Oct 23 2014 
Sector Watch: Banks - Regionals Merge on Low, Held by Billionaires Nov 04 2013 
Sector Highlights - Three Stocks Held by Billionaires Oct 05 2013 

More From Other Websites
HOMESTREET, INC. Files SEC form 8-K/A, Regulation FD Disclosure Nov 26 2014
HOMESTREET, INC. Financials Nov 21 2014
HOMESTREET, INC. Files SEC form 10-Q, Quarterly Report Nov 13 2014
HOMESTREET, INC. Files SEC form 8-K, Regulation FD Disclosure Nov 06 2014
HomeStreet Bank Selects The Fusion Network to Provide Automated Account Switch Kit Nov 04 2014
HOMESTREET, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 28 2014
HomeStreet, Inc. Reports Third Quarter 2014 Results Oct 27 2014
Q3 2014 HomeStreet Inc Earnings Release - After Market Close Oct 27 2014
INVESTOR ALERT: Levi & Korsinsky, LLP Notifies Investors of Simplicity Bancorp, Inc. of Class Action... Oct 23 2014
INVESTOR ALERT: Levi & Korsinsky, LLP Notifies Investors of Simplicity Bancorp, Inc. of Class Action... Oct 20 2014
INVESTOR ALERT: The Law Offices of Vincent Wong Investigates the Board of Directors of Simplicity... Oct 07 2014
HOMESTREET, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Oct 06 2014
HomeStreet, Inc. Schedules Third Quarter Earnings Call for Tuesday, October 28, 2014 Oct 06 2014
SIMPLICITY BANCORP INVESTOR ALERT BY THE FORMER ATTORNEY GENERAL OF LOUISIANA: Kahn Swick & Foti,... Sep 30 2014
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Investigates the Board of Directors of Simplicity Bancorp,... Sep 30 2014
HOMESTREET, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement, Regulation FD... Sep 29 2014
California’s Simplicity Bancorp to Merge with HomeStreet, Inc. Sep 29 2014
HOMESTREET, INC. Files SEC form 8-K, Regulation FD Disclosure Aug 20 2014
HOMESTREET, INC. Files SEC form 10-Q, Quarterly Report Aug 08 2014
HOMESTREET, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 29 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK