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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 984 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.36 vs. HMST: 0.05 )
Ranked among companies with meaningful Cash to Debt only.
HMST' s 10-Year Cash to Debt Range
Min: 0.05  Med: 0.12 Max: N/A
Current: 0.05
Equity to Asset 0.09
HMST's Equity to Asset is ranked lower than
67% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. HMST: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
HMST' s 10-Year Equity to Asset Range
Min: 0.02  Med: 0.09 Max: 0.11
Current: 0.09
0.02
0.11
Interest Coverage 2.64
HMST's Interest Coverage is ranked higher than
64% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. HMST: 2.64 )
Ranked among companies with meaningful Interest Coverage only.
HMST' s 10-Year Interest Coverage Range
Min: 0.52  Med: 2.52 Max: 5.2
Current: 2.64
0.52
5.2
F-Score: 3
WACC vs ROIC
2.29%
3.32%
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 (%) 13.25
HMST's Operating margin (%) is ranked lower than
83% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.25 vs. HMST: 13.25 )
Ranked among companies with meaningful Operating margin (%) only.
HMST' s 10-Year Operating margin (%) Range
Min: -173.29  Med: 11.32 Max: 34.76
Current: 13.25
-173.29
34.76
Net-margin (%) 9.06
HMST's Net-margin (%) is ranked lower than
85% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.01 vs. HMST: 9.06 )
Ranked among companies with meaningful Net-margin (%) only.
HMST' s 10-Year Net-margin (%) Range
Min: -121.54  Med: 8.41 Max: 27.53
Current: 9.06
-121.54
27.53
ROE (%) 9.39
HMST's ROE (%) is ranked higher than
57% of the 1427 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.44 vs. HMST: 9.39 )
Ranked among companies with meaningful ROE (%) only.
HMST' s 10-Year ROE (%) Range
Min: -45.46  Med: 8.99 Max: 46.91
Current: 9.39
-45.46
46.91
ROA (%) 0.84
HMST's ROA (%) is ranked lower than
52% of the 1436 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. HMST: 0.84 )
Ranked among companies with meaningful ROA (%) only.
HMST' s 10-Year ROA (%) Range
Min: -1.2  Med: 0.68 Max: 3.35
Current: 0.84
-1.2
3.35
Revenue Growth (3Y)(%) -11.00
HMST's Revenue Growth (3Y)(%) is ranked lower than
88% of the 1215 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. HMST: -11.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HMST' s 10-Year Revenue Growth (3Y)(%) Range
Min: -11  Med: -9.30 Max: 8.9
Current: -11
-11
8.9
» HMST's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q1 2015

HMST Guru Trades in Q1 2015

Charles Brandes 27,800 sh (New)
Jim Simons 184,400 sh (New)
NWQ Managers 349,081 sh (+26.93%)
Arnold Schneider 422,507 sh (+26.07%)
Paul Tudor Jones 11,750 sh (-1.67%)
» More
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
» 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) 11.80
HMST's P/E(ttm) is ranked higher than
58% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.10 vs. HMST: 11.80 )
Ranked among companies with meaningful P/E(ttm) only.
HMST' s 10-Year P/E(ttm) Range
Min: 2.71  Med: 6.76 Max: 22.91
Current: 11.8
2.71
22.91
Forward P/E 8.10
HMST's Forward P/E is ranked higher than
81% of the 714 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.85 vs. HMST: 8.10 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.70
HMST's PE(NRI) is ranked higher than
59% of the 1291 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. HMST: 11.70 )
Ranked among companies with meaningful PE(NRI) only.
HMST' s 10-Year PE(NRI) Range
Min: 2.71  Med: 6.76 Max: 22.94
Current: 11.7
2.71
22.94
P/B 1.08
HMST's P/B is ranked lower than
53% of the 1370 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. HMST: 1.08 )
Ranked among companies with meaningful P/B only.
HMST' s 10-Year P/B Range
Min: 0.8  Med: 1.07 Max: 1.52
Current: 1.08
0.8
1.52
P/S 1.03
HMST's P/S is ranked higher than
91% of the 1409 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.86 vs. HMST: 1.03 )
Ranked among companies with meaningful P/S only.
HMST' s 10-Year P/S Range
Min: 0.52  Med: 1.00 Max: 1.29
Current: 1.03
0.52
1.29
EV-to-EBIT 29.19
HMST's EV-to-EBIT is ranked lower than
82% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.41 vs. HMST: 29.19 )
Ranked among companies with meaningful EV-to-EBIT only.
HMST' s 10-Year EV-to-EBIT Range
Min: 4.1  Med: 10.40 Max: 40.2
Current: 29.19
4.1
40.2
Days Sales Outstanding 134.80
HMST's Days Sales Outstanding is ranked lower than
82% of the 795 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.20 vs. HMST: 134.80 )
Ranked among companies with meaningful Days Sales Outstanding only.
HMST' s 10-Year Days Sales Outstanding Range
Min: 90.99  Med: 121.37 Max: 168.25
Current: 134.8
90.99
168.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.68
HMST's Dividend Yield is ranked lower than
94% of the 2258 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.76 vs. HMST: 0.68 )
Ranked among companies with meaningful Dividend Yield only.
HMST' s 10-Year Dividend Yield Range
Min: 0.48  Med: 0.56 Max: 0.65
Current: 0.68
0.48
0.65
Yield on cost (5-Year) 0.68
HMST's Yield on cost (5-Year) is ranked lower than
93% of the 2253 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.23 vs. HMST: 0.68 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HMST' s 10-Year Yield on cost (5-Year) Range
Min: 0.48  Med: 0.56 Max: 0.68
Current: 0.68
0.48
0.68
Share Buyback Rate -40.40
HMST's Share Buyback Rate is ranked lower than
94% of the 1013 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. HMST: -40.40 )
Ranked among companies with meaningful Share Buyback Rate only.
HMST' s 10-Year Share Buyback Rate Range
Min: -36.5  Med: -39.90 Max: -40.4
Current: -40.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.70
HMST's Price/Tangible Book is ranked lower than
78% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. HMST: 1.70 )
Ranked among companies with meaningful Price/Tangible Book only.
HMST' s 10-Year Price/Tangible Book Range
Min: 1.07  Med: 1.83 Max: 3.24
Current: 1.7
1.07
3.24
Price/Median PS Value 1.03
HMST's Price/Median PS Value is ranked higher than
51% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. HMST: 1.03 )
Ranked among companies with meaningful Price/Median PS Value only.
HMST' s 10-Year Price/Median PS Value Range
Min: 0.54  Med: 0.98 Max: 1.18
Current: 1.03
0.54
1.18
Price/Graham Number 1.04
HMST's Price/Graham Number is ranked lower than
70% of the 1181 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. HMST: 1.04 )
Ranked among companies with meaningful Price/Graham Number only.
HMST' s 10-Year Price/Graham Number Range
Min: 0.42  Med: 0.83 Max: 1.55
Current: 1.04
0.42
1.55
Earnings Yield (Greenblatt) (%) 3.40
HMST's Earnings Yield (Greenblatt) (%) is ranked lower than
74% of the 1408 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. HMST: 3.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HMST' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.5  Med: 9.60 Max: 24.5
Current: 3.4
2.5
24.5

Analyst Estimate

Dec15 Dec16
EPS($) 2.38 2.70
EPS without NRI($) 2.38 2.70

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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