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 0.17
HMST's Cash to Debt is ranked higher than
51% of the 1266 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.28 vs. HMST: 0.17 )
HMST' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 0.17

Equity to Asset 0.09
HMST's Equity to Asset is ranked higher than
67% of the 1651 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
78% of the 1508 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 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: 2
Z-Score: 0.22
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 (%) 13.12
HMST's Operating margin (%) is ranked higher than
54% of the 1652 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.46 vs. HMST: 13.12 )
HMST' s 10-Year Operating margin (%) Range
Min: -173.29   Max: 34.7
Current: 13.12

-173.29
34.7
Net-margin (%) 8.98
HMST's Net-margin (%) is ranked higher than
54% of the 1671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.71 vs. HMST: 8.98 )
HMST' s 10-Year Net-margin (%) Range
Min: -121.54   Max: 27.49
Current: 8.98

-121.54
27.49
ROE (%) 8.95
HMST's ROE (%) is ranked higher than
79% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.17 vs. HMST: 8.95 )
HMST' s 10-Year ROE (%) Range
Min: -120   Max: 31.14
Current: 8.95

-120
31.14
ROA (%) 0.78
HMST's ROA (%) is ranked higher than
74% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. HMST: 0.78 )
HMST' s 10-Year ROA (%) Range
Min: -3.44   Max: 3.12
Current: 0.78

-3.44
3.12
ROC (Joel Greenblatt) (%) 95.03
HMST's ROC (Joel Greenblatt) (%) is ranked higher than
80% of the 1624 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.28 vs. HMST: 95.03 )
HMST' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -1759.52   Max: 680.62
Current: 95.03

-1759.52
680.62
» HMST's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

HMST Guru Trades in Q3 2013

NWQ Managers 900,577 sh (+6.65%)
» More
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
» 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%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about HomeStreet Inc

Sector Watch: Banks - Regionals Merge on Low, Held by Billionaires
The banking sector in the U.S. is still the industry with the most 52-week lows. Banking currently has 54 out of 627 companies on a 52-week low. The low ratio is 0.09. Read more...
Sector Highlights - Three Stocks Held by Billionaires
The market sectors change quickly that it could pay to start a new search of 52-week lows. The GuruFocus special feature 52-week low screener is a great way to start researching the 789 stocks currently listed for the USA, in addition to thousands of others around the world. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 22.00
HMST's P/E(ttm) is ranked higher than
59% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.40 vs. HMST: 22.00 )
HMST' s 10-Year P/E(ttm) Range
Min: 2.27   Max: 22.91
Current: 22

2.27
22.91
P/B 0.90
HMST's P/B is ranked higher than
82% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. HMST: 0.90 )
HMST' s 10-Year P/B Range
Min: 0.88   Max: 1.52
Current: 0.9

0.88
1.52
P/S 1.10
HMST's P/S is ranked higher than
94% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.11 vs. HMST: 1.10 )
HMST' s 10-Year P/S Range
Min: 0.53   Max: 1.29
Current: 1.1

0.53
1.29
EV-to-EBIT 36.80
HMST's EV-to-EBIT is ranked higher than
60% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.74 vs. HMST: 36.80 )
HMST' s 10-Year EV-to-EBIT Range
Min: 4.1   Max: 38.1
Current: 36.8

4.1
38.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.60
HMST's Dividend Yield is ranked lower than
91% of the 1413 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.42 vs. HMST: 0.60 )
HMST' s 10-Year Dividend Yield Range
Min: 0.48   Max: 0.56
Current: 0.6

0.48
0.56
Yield on cost (5-Year) 0.60
HMST's Yield on cost (5-Year) is ranked lower than
88% of the 1426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.64 vs. HMST: 0.60 )
HMST' s 10-Year Yield on cost (5-Year) Range
Min: 0.48   Max: 0.56
Current: 0.6

0.48
0.56

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.71
HMST's Price/Tangible Book is ranked higher than
65% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. HMST: 1.71 )
HMST' s 10-Year Price/Tangible Book Range
Min: 1.07   Max: 3.16
Current: 1.71

1.07
3.16
Price/Median PS Value 1.06
HMST's Price/Median PS Value is ranked higher than
78% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. HMST: 1.06 )
HMST' s 10-Year Price/Median PS Value Range
Min: 0.54   Max: 1.16
Current: 1.06

0.54
1.16
Price/Graham Number 1.28
HMST's Price/Graham Number is ranked higher than
65% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. HMST: 1.28 )
HMST' s 10-Year Price/Graham Number Range
Min: 0.42   Max: 1.55
Current: 1.28

0.42
1.55
Earnings Yield (Greenblatt) 2.70
HMST's Earnings Yield (Greenblatt) is ranked higher than
50% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. HMST: 2.70 )
HMST' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.6   Max: 24.5
Current: 2.7

2.6
24.5

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare: » details
HomeStreet, Inc., was incorporated in the State of Washington. The Company operates as a full-service community bank serving consumers and businesses in the Pacific Northwest and Hawaii. The Company's primary subsidiaries are HomeStreet Bank and HomeStreet Capital Corporation. HomeStreet Bank is a Washington state-chartered savings bank that provides deposit and investment products and cash management services. The Bank also provides loans for single family homes, commercial real estate, construction, land development and commercial businesses. HomeStreet Capital Corporation, a Washington corporation, originates, sells and services multifamily mortgage loans under the Fannie Mae Delegated Underwriting and Servicing Program (DUS) in conjunction with HomeStreet Bank. It also provides insurance products and services for consumers and businesses as HomeStreet Insurance and loans for single family homes through a joint venture, Windermere Mortgage Services Series LLC (WMS). The Company has a network of approximately 20 bank branches and nine stand-alone lending centers located in the Puget Sound, Olympia, Vancouver and Spokane regions of Washington, the Portland and Salem regions of Oregon, and the Hawaiian Islands of Oahu, Maui and Hawaii. It operates four primary lines of business: Community Banking, Single Family Lending, Income Property Lending and Residential Construction Lending. It provides diversified financial products and services to its consumer and business customers, including deposit products, investment products, insurance products, cash management services and consumer and business loans. It originates, sells and services residential mortgage loans both directly and through its relationship with WMS. It also originates and services loans for its portfolio on a selective basis. The Company originates commercial real estate loans with a focus on multifamily lending through Fannie Mae's DUS program. These loans are sold to or securitized by Fannie Mae, and it generally retains the right to service them. It also originates commercial real estate construction, land, bridge and permanent loans for its own portfolio. It originates residential construction and land development loans primarily for its own portfolio.
» More Articles for HMST

Headlines

Articles On GuruFocus.com
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, Regulation FD Disclosure Aug 20 2014
HOMESTREET, INC. Financials Aug 15 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
HomeStreet, Inc. Reports Second Quarter 2014 Results Jul 28 2014
Q2 2014 Homestreet Inc Earnings Release - Time Not Supplied Jul 28 2014
HOMESTREET, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Other Events,... Jul 22 2014
HomeStreet Appoints Financial Services Veteran Timothy Chrisman to Board of Directors Jul 21 2014
HOMESTREET, INC. Files SEC form 8-K/A, Entry into a Material Definitive Agreement Jul 18 2014
WGU Washington Partners with HomeStreet Bank on Homeownership Benefit Jul 16 2014
HOMESTREET, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement, Other Events,... Jul 07 2014
HOMESTREET, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Jun 30 2014
HomeStreet, Inc. Schedules Second Quarter 2014 Earnings Call for Tuesday, July 29, 2014 Jun 30 2014
HOMESTREET, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 30 2014
HOMESTREET, INC. Files SEC form 8-K, Regulation FD Disclosure May 08 2014
HomeStreet's CEO Discusses Q1 2014 Results - Earnings Call Transcript Apr 29 2014
HOMESTREET, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 29 2014
HomeStreet, Inc. Reports First Quarter 2014 Results Apr 29 2014
HOMESTREET, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Apr 07 2014
HomeStreet, Inc. Schedules First Quarter 2014 Earnings Call for Tuesday, April 29, 2014 Apr 07 2014

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

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