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Financial Services - Banks - Regional - NASDAQ - US
$ 12.42
0.812 %
$ 235 M
Market Cap
-1.73
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one HMST stock under the worst case scenario is HIDDEN Compared to the current market price of 12.4 USD, HomeStreet, Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one HMST stock under the base case scenario is HIDDEN Compared to the current market price of 12.4 USD, HomeStreet, Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one HMST stock under the best case scenario is HIDDEN Compared to the current market price of 12.4 USD, HomeStreet, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart HMST

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$13.5$13.5$13.0$13.0$12.5$12.5$12.0$12.0$11.5$11.5$11.0$11.0$10.5$10.5$10.0$10.0$9.5$9.5$9.0$9.0$8.5$8.5Jan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 Jun
FINANCIALS
328 M REVENUE
-20.27%
-121 M OPERATING INCOME
-267.90%
-144 M NET INCOME
-424.73%
-45.9 M OPERATING CASH FLOW
-572.30%
1.32 B INVESTING CASH FLOW
173.42%
-1.1 B FINANCING CASH FLOW
-214.02%
90.3 M REVENUE
557.32%
-4.75 M OPERATING INCOME
94.86%
-4.46 M NET INCOME
96.38%
-22.5 M OPERATING CASH FLOW
-2007.31%
191 M INVESTING CASH FLOW
-83.00%
-323 M FINANCING CASH FLOW
64.89%
Balance Sheet HomeStreet, Inc.
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Current Assets 407 M
Cash & Short-Term Investments 407 M
Receivables 0
Other Current Assets 0
Non-Current Assets 7.72 B
Long-Term Investments 7.31 B
PP&E 47.2 M
Other Non-Current Assets 361 M
5.01 %89.97 %4.44 %Total Assets$8.1b
Current Liabilities 7.41 B
Accounts Payable 0
Short-Term Debt 1 B
Other Current Liabilities 6.41 B
Non-Current Liabilities 314 M
Long-Term Debt 1.23 B
Other Non-Current Liabilities -911 M
12.94 %83.00 %15.86 %Total Liabilities$7.7b
EFFICIENCY
Earnings Waterfall HomeStreet, Inc.
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Revenue 328 M
Cost Of Revenue 282 M
Gross Profit 45.8 M
Operating Expenses 166 M
Operating Income -121 M
Other Expenses 23.8 M
Net Income -144 M
350m350m300m300m250m250m200m200m150m150m100m100m50m50m00(50m)(50m)(100m)(100m)(150m)(150m)328m(282m)46m(166m)(121m)(24m)(144m)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
13.96% GROSS MARGIN
13.96%
-36.71% OPERATING MARGIN
-36.71%
-43.96% NET MARGIN
-43.96%
-36.36% ROE
-36.36%
-1.78% ROA
-1.78%
-8.44% ROIC
-8.44%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis HomeStreet, Inc.
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300m300m250m250m200m200m150m150m100m100m50m50m00(50m)(50m)(100m)(100m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income -144 M
Depreciation & Amortization 14.7 M
Capital Expenditures -490 K
Stock-Based Compensation 3.43 M
Change in Working Capital -27.1 M
Others 90.3 M
Free Cash Flow -46.4 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets HomeStreet, Inc.
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HMST has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.1 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.601.601.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.150.250.350.350.150.250.350.10.150.250.350.10.150.600.251.000.351.400.10.6520202020202120212022202220232023
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5. COMPETITION
slide 2 of 4
6. Ownership
Insider Ownership HomeStreet, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
314 K USD 5
9-12 MONTHS
37.4 K USD 1
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
103 K USD 2
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
HomeStreet (HMST) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates Although the revenue and EPS for HomeStreet (HMST) give a sense of how its business performed in the quarter ended March 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 2 months ago
HomeStreet (HMST) Reports Q1 Loss, Tops Revenue Estimates HomeStreet (HMST) came out with a quarterly loss of $0.15 per share versus the Zacks Consensus Estimate of a loss of $0.07. This compares to loss of $0.29 per share a year ago. zacks.com - 2 months ago
HomeStreet Reports First Quarter 2025 Results SEATTLE--(BUSINESS WIRE)--HomeStreet Reports First Quarter 2025 Results. businesswire.com - 2 months ago
HomeStreet: Loan Portfolio Repositioning To Support Profitability, Sustainability, And Upside HomeStreet, Inc. has improved loan portfolio diversification, enhancing resilience, amid economic uncertainties. Despite a YoY decline in net interest income, HMST's prudent loan adjustments and lower borrowings support profitability and liquidity. HMST's strong capital adequacy ratios and undervalued stock price present a compelling buy opportunity with significant upside potential. seekingalpha.com - 2 months ago
HOMESTREET INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Merger of HomeStreet, Inc. - HMST NEW YORK & NEW ORLEANS--(BUSINESS WIRE)--Former Attorney General of Louisiana Charles C. Foti, Jr., Esq. and the law firm of Kahn Swick & Foti, LLC (“KSF”) are investigating the proposed merger of HomeStreet, Inc. (NasdaqGS: HMST) and Mechanics Bank. Under the terms of the proposed transaction, HomeStreet shareholders are expected to own approximately 8.3% of the combined company. KSF is seeking to determine whether the merger and the process that led to it are adequate, or whether the merg. businesswire.com - 2 months ago
HomeStreet (HMST) Surges 26.2%: Is This an Indication of Further Gains? HomeStreet (HMST) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock doesn't suggest further strength down the road. zacks.com - 2 months ago
$HAREHOLDER ALERT: The M&A Class Action Firm Investigates the Merger of HomeStreet, Inc. - HMST NEW YORK , March 31, 2025 /PRNewswire/ -- Monteverde & Associates PC  (the "M&A Class Action Firm"), has recovered millions of dollars for shareholders and is recognized as a Top 50 Firm in the 2024 ISS Securities Class Action Services Report. We are headquartered at the Empire State Building in New York City and are investigating HomeStreet, Inc. (NASDAQ: HMST ), relating to the proposed merger with Mechanics Bank. prnewswire.com - 2 months ago
ALERT: Rowley Law PLLC is Investigating Proposed Acquisition of HomeStreet, Inc. NEW YORK , March 31, 2025 /PRNewswire/ -- Rowley Law PLLC is investigating potential securities law violations by HomeStreet, Inc. (NASDAQ: HMST) and its board of directors concerning the proposed acquisition of the company by Mechanics Bank. HomeStreet stockholders will own approximately 8.3% of the combined company. prnewswire.com - 2 months ago
HMST Stock Alert: Halper Sadeh LLC Is Investigating Whether the Merger of HomeStreet, Inc. Is Fair to Shareholders NEW YORK--(BUSINESS WIRE)--Halper Sadeh LLC, an investor rights law firm, is investigating whether the merger of HomeStreet, Inc. (NASDAQ: HMST) and Mechanics Bank is fair to HomeStreet shareholders. The proposed transaction values HomeStreet at a pre-transaction estimated equity value of $300 million. Upon completion of the proposed transaction, HomeStreet shareholders are expected to own approximately 8.3% of the combined company. Halper Sadeh encourages HomeStreet shareholders to click here. businesswire.com - 2 months ago
Shareholder Alert: The Ademi Firm Investigates Whether HomeStreet, Inc. Is Obtaining a Fair Price for Its Public Shareholders MILWAUKEE--(BUSINESS WIRE)--The Ademi Firm is investigating HomeStreet (NASDAQ: HMST) for possible breaches of fiduciary duty and other violations of law in its transaction with Mechanics Bank. Click here to learn how to join our investigation and obtain additional information or contact us at gademi@ademilaw.com or toll-free: 866-264-3995. There is no cost or obligation to you. The reverse merger transaction values HomeStreet at a pre-transaction estimated equity value of $300 million and Mech. businesswire.com - 2 months ago
Mechanics Bank agrees to buy HomeStreet in $300 million deal Mechanics Bank has agreed to buy HomeStreet in an all-stock deal that values the Seattle-based lender at $300 million, the companies said on Monday. reuters.com - 2 months ago
Mechanics Bank and HomeStreet, Inc. Announce Strategic Merger WALNUT CREEK, Calif. & SEATTLE--(BUSINESS WIRE)--Mechanics Bank and HomeStreet, Inc. (NASDAQ: HMST) (“HomeStreet”), the holding company of HomeStreet Bank, jointly announced today that they have entered into a definitive merger agreement (the “Merger Agreement”) providing for an all-stock business combination between HomeStreet and Mechanics Bank. Under the terms of the Merger Agreement, which was unanimously approved by the boards of directors of both companies, HomeStreet Bank will be merged. businesswire.com - 2 months ago
8. Profile Summary

HomeStreet, Inc. HMST

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 235 M
Dividend Yield 0.00%
Description HomeStreet, Inc. operates as the bank holding company for HomeStreet Bank that provides commercial, mortgage, and consumer/retail banking services primarily in the Western United States. The company offers personal and business checking, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit; credit cards; insurance; and treasury management products and services. Its loan products include commercial business and agriculture loans, single family residential mortgages, consumer loans, commercial loans secured by residential and commercial real estate, and construction loans for residential and commercial real estate development, as well as consumer installment loans and permanent loans on commercial real estate and single-family residences. In addition, the company offers its products and services through bank branches, loan production offices, and ATMs, as well as through online, mobile, and telephone banking. As of December 31, 2021, it operated 60 full-service bank branches located in Washington state, Northern and Southern California, the Portland, Oregon, and Hawaii; and five primary stand-alone commercial lending centers in Central Washington, Oregon, Southern California, Idaho, and Utah. HomeStreet, Inc. serves small and medium sized businesses, real estate investors, professional firms, and individuals. The company was formerly known as Continental Mortgage and Loan Company. HomeStreet, Inc. was incorporated in 1921 and is headquartered in Seattle, Washington.
Contact 601 Union Street, Seattle, WA, 98101 https://www.homestreet.com
IPO Date Feb. 10, 2012
Employees 766
Officers Mr. Erik D. Hand Executive Vice President & Residential Lending Director of HomeStreet Bank Mr. Mark K. Mason CPA Executive Chairman, President & Chief Executive Officer Mr. William D. Endresen Commercial Capital President & Executive Vice President of Commercial Real Estate of Homestreet Bank Mr. Darrell S. van Amen Chief Investment Officer, Executive Vice President & Treasurer Mr. Paul A. Renstrom Senior Vice President of Homestreet Bank & Enterprise Risk Management Director Ms. Paulette Lemon Executive Vice President & Retail Banking Director of HomeStreet Bank Mr. Richard W. H. Bennion Executive Vice President Mr. John Matthias Michel CPA Executive Vice President & Chief Financial Officer Mr. Jay C. Iseman Executive Vice President & Chief Credit Officer Mr. Godfrey B. Evans J.D. Chief Administrative Officer, Executive Vice President, General Counsel & Corporate Secretary