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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 : 3/10

vs
industry
vs
history
Cash-to-Debt 0.05
HMST's Cash-to-Debt is ranked lower than
97% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.12 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
58% of the 1617 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.11 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
Debt-to-Equity 1.39
HMST's Debt-to-Equity is ranked lower than
83% of the 1231 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.63 vs. HMST: 1.39 )
Ranked among companies with meaningful Debt-to-Equity only.
HMST' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.6  Med: 1.62 Max: 8.1
Current: 1.39
0.6
8.1
Debt-to-EBITDA 1.97
HMST's Debt-to-EBITDA is ranked lower than
78% of the 1243 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.24 vs. HMST: 1.97 )
Ranked among companies with meaningful Debt-to-EBITDA only.
HMST' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.97
Current: 1.97
0
1.97
Beneish M-Score: -2.60
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 : 2/10

vs
industry
vs
history
Net Margin % 13.29
HMST's Net Margin % is ranked lower than
77% of the 1630 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.23 vs. HMST: 13.29 )
Ranked among companies with meaningful Net Margin % only.
HMST' s Net Margin % Range Over the Past 10 Years
Min: -121.54  Med: 9.66 Max: 27.4
Current: 13.29
-121.54
27.4
ROE % 9.76
HMST's ROE % is ranked higher than
66% of the 1631 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.44 vs. HMST: 9.76 )
Ranked among companies with meaningful ROE % only.
HMST' s ROE % Range Over the Past 10 Years
Min: -120  Med: 10.34 Max: 46.91
Current: 9.76
-120
46.91
ROA % 0.98
HMST's ROA % is ranked higher than
64% of the 1634 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. HMST: 0.98 )
Ranked among companies with meaningful ROA % only.
HMST' s ROA % Range Over the Past 10 Years
Min: -3.44  Med: 0.84 Max: 3.35
Current: 0.98
-3.44
3.35
3-Year Revenue Growth Rate -0.60
HMST's 3-Year Revenue Growth Rate is ranked lower than
74% of the 1453 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.40 vs. HMST: -0.60 )
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: -10.6  Med: 2.95 Max: 23.8
Current: -0.6
-10.6
23.8
3-Year EPS without NRI Growth Rate 19.50
HMST's 3-Year EPS without NRI Growth Rate is ranked higher than
78% of the 1339 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. HMST: 19.50 )
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: 0  Med: -25.05 Max: 19.5
Current: 19.5
0
19.5
GuruFocus has detected 4 Warning Signs with HomeStreet Inc HMST.
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» HMST's 30-Y Financials

Financials (Next Earnings Date: 2018-07-24)


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

» Details

Guru Trades

Q2 2017

HMST Guru Trades in Q2 2017

NWQ Managers 1,320,993 sh (+41.57%)
Ken Fisher 86,551 sh (+28.82%)
Jim Simons Sold Out
» More
Q3 2017

HMST Guru Trades in Q3 2017

Chuck Royce 347 sh (New)
Arnold Schneider 190,199 sh (New)
NWQ Managers 1,755,458 sh (+32.89%)
Ken Fisher 86,551 sh (unchged)
» More
Q4 2017

HMST Guru Trades in Q4 2017

HOTCHKIS & WILEY 56,928 sh (New)
Chuck Royce Sold Out
NWQ Managers 1,733,193 sh (-1.27%)
Ken Fisher 77,592 sh (-10.35%)
Arnold Schneider 166,795 sh (-12.31%)
» More
Q1 2018

HMST Guru Trades in Q1 2018

Chuck Royce 323 sh (New)
Arnold Schneider 459,879 sh (+175.72%)
NWQ Managers 1,823,337 sh (+5.20%)
HOTCHKIS & WILEY 56,928 sh (unchged)
Ken Fisher 55,123 sh (-28.96%)
» 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
NWQ Managers 2018-03-31 Add 5.20%0.04%$27.75 - $32.35 $ 28.10-5%1,823,337
Arnold Schneider 2018-03-31 Add 175.72%1.92%$27.75 - $32.35 $ 28.10-5%459,879
Ken Fisher 2018-03-31 Reduce -28.96%$27.75 - $32.35 $ 28.10-5%55,123
NWQ Managers 2017-12-31 Reduce -1.27%0.01%$27.7 - $30.75 $ 28.10-3%1,733,193
Arnold Schneider 2017-12-31 Reduce -12.31%0.11%$27.7 - $30.75 $ 28.10-3%166,795
Ken Fisher 2017-12-31 Reduce -10.35%$27.7 - $30.75 $ 28.10-3%77,592
HOTCHKIS & WILEY 2017-12-31 New Buy0.01%$27.7 - $30.75 $ 28.10-3%56,928
NWQ Managers 2017-09-30 Add 32.89%0.17%$24.25 - $28.3 $ 28.108%1,755,458
Arnold Schneider 2017-09-30 New Buy0.92%$24.25 - $28.3 $ 28.108%190,199
NWQ Managers 2017-06-30 Add 41.57%0.15%$25.75 - $29.4 $ 28.103%1,320,993
Ken Fisher 2017-06-30 Add 28.82%$25.75 - $29.4 $ 28.103%86,551
Premium More recent guru trades are included for Premium Members only!!
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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6036
Compare:NZSE:HBL, NAS:FFIC, NAS:DCOM, NAS:FDEF, OSTO:NDX, NAS:HONE, NAS:UBNK, NAS:UCFC, NAS:WSBF, NAS:HIFS, NAS:EBTC, NAS:HBCP, NAS:BSF, NAS:EBSB, NAS:CSBK, HKSE:00900, NAS:SMBC, OTCPK:NASB, NAS:CASH, NAS:TBNK » details
Headquarter Location:USA
HomeStreet Inc is a diversified financial services company. It is engaged in real estate lending. Its operating segment includes Commercial and Consumer Banking Segment and Mortgage Banking Segment.

HomeStreet Inc is a diversified financial services company. It is engaged in real estate lending, Its operating segment includes Commercial and Consumer Banking Segment and Mortgage Banking Segment. Generating, a majority of its revenue from the Commercial and industrial loans.

Ratios

vs
industry
vs
history
PE Ratio 11.60
HMST's PE Ratio is ranked higher than
65% of the 1497 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.27 vs. HMST: 11.60 )
Ranked among companies with meaningful PE Ratio only.
HMST' s PE Ratio Range Over the Past 10 Years
Min: 2.25  Med: 11.32 Max: 23.22
Current: 11.6
2.25
23.22
Forward PE Ratio 17.95
HMST's Forward PE Ratio is ranked higher than
61% of the 443 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.87 vs. HMST: 17.95 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 11.60
HMST's PE Ratio without NRI is ranked higher than
65% of the 1499 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.29 vs. HMST: 11.60 )
Ranked among companies with meaningful PE Ratio without NRI only.
HMST' s PE Ratio without NRI Range Over the Past 10 Years
Min: 2.25  Med: 11.32 Max: 23.22
Current: 11.6
2.25
23.22
Price-to-Owner-Earnings 8.51
HMST's Price-to-Owner-Earnings is ranked higher than
63% of the 896 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.46 vs. HMST: 8.51 )
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: 10.15 Max: 40.5
Current: 8.51
5.96
40.5
PB Ratio 1.10
HMST's PB Ratio is ranked higher than
54% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. HMST: 1.10 )
Ranked among companies with meaningful PB Ratio only.
HMST' s PB Ratio Range Over the Past 10 Years
Min: 0.8  Med: 1.08 Max: 1.52
Current: 1.1
0.8
1.52
PS Ratio 1.51
HMST's PS Ratio is ranked higher than
83% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. HMST: 1.51 )
Ranked among companies with meaningful PS Ratio only.
HMST' s PS Ratio Range Over the Past 10 Years
Min: 0.62  Med: 1.08 Max: 1.73
Current: 1.51
0.62
1.73
Price-to-Free-Cash-Flow 7.95
HMST's Price-to-Free-Cash-Flow is ranked higher than
64% of the 882 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.66 vs. HMST: 7.95 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
HMST' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.92  Med: 6.76 Max: 59.51
Current: 7.95
0.92
59.51
Price-to-Operating-Cash-Flow 6.37
HMST's Price-to-Operating-Cash-Flow is ranked higher than
68% of the 960 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.67 vs. HMST: 6.37 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
HMST' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.85  Med: 4.92 Max: 14.03
Current: 6.37
0.85
14.03
EV-to-Revenue 3.38
HMST's EV-to-Revenue is ranked higher than
57% of the 1276 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.24 vs. HMST: 3.38 )
Ranked among companies with meaningful EV-to-Revenue only.
HMST' s EV-to-Revenue Range Over the Past 10 Years
Min: 1  Med: 3.1 Max: 4
Current: 3.38
1
4

Buy Back

vs
industry
vs
history
5-Year Yield-on-Cost % 0.71
HMST's 5-Year Yield-on-Cost % is ranked lower than
96% of the 2826 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.25 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
90% of the 1082 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.20 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 2.11
HMST's Price-to-Tangible-Book is ranked lower than
78% of the 1603 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. HMST: 2.11 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
HMST' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.07  Med: 1.88 Max: 3.24
Current: 2.11
1.07
3.24
Price-to-Intrinsic-Value-Projected-FCF 3.41
HMST's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
99.99% of the 883 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.83 vs. HMST: 3.41 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
HMST' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 3.41  Med: 3.48 Max: 3.48
Current: 3.41
3.41
3.48
Price-to-Median-PS-Value 1.42
HMST's Price-to-Median-PS-Value is ranked lower than
77% of the 1419 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. HMST: 1.42 )
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: 0.59  Med: 1.01 Max: 1.45
Current: 1.42
0.59
1.45
Price-to-Graham-Number 1.04
HMST's Price-to-Graham-Number is ranked lower than
56% of the 1378 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.99 vs. HMST: 1.04 )
Ranked among companies with meaningful Price-to-Graham-Number only.
HMST' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.33  Med: 0.91 Max: 1.56
Current: 1.04
0.33
1.56

More Statistics

Revenue (TTM) (Mil) $495.37
EPS (TTM) $ 2.42
Beta0.10
Volatility19.48%
52-Week Range $24.00 - 32.60
Shares Outstanding (Mil)26.98

Analyst Estimate

Dec18 Dec19
Revenue (Mil $) 469 485
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 1.58 1.94
EPS without NRI ($) 1.58 1.94
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.00%
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

Personalized Checklist

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