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Upturn AI SWOT - About
HMST 
HomeStreet Inc (HMST)
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Upturn Advisory Summary
08/29/2025: HMST (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $14
1 Year Target Price $14
| 1 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 176.03% | Avg. Invested days 46 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 08/29/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 262.43M USD | Price to earnings Ratio - | 1Y Target Price 14 |
Price to earnings Ratio - | 1Y Target Price 14 | ||
Volume (30-day avg) 3 | Beta 1.37 | 52 Weeks Range 8.41 - 15.98 | Updated Date 09/16/2025 |
52 Weeks Range 8.41 - 15.98 | Updated Date 09/16/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -7.39 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -177.7% | Operating Margin (TTM) -7.06% |
Management Effectiveness
Return on Assets (TTM) -1.65% | Return on Equity (TTM) -30.22% |
Valuation
Trailing PE - | Forward PE 23.92 | Enterprise Value 1271635072 | Price to Sales(TTM) 3.34 |
Enterprise Value 1271635072 | Price to Sales(TTM) 3.34 | ||
Enterprise Value to Revenue 27.52 | Enterprise Value to EBITDA - | Shares Outstanding 18920800 | Shares Floating 15526415 |
Shares Outstanding 18920800 | Shares Floating 15526415 | ||
Percent Insiders 3.21 | Percent Institutions 82.35 |
Upturn AI SWOT
HomeStreet Inc
Company Overview
History and Background
HomeStreet Inc. was founded in 1921 as Continental Savings and Loan in Seattle, Washington. It evolved from a savings and loan association to a commercial bank, expanding its operations throughout the West Coast. Key milestones include its IPO in 2012 and strategic acquisitions to bolster its lending and banking capabilities.
Core Business Areas
- Commercial and Business Banking: Offers a range of financial products and services to businesses, including commercial real estate lending, business term loans, and deposit accounts.
- Residential Mortgage Banking: Originates, sells, and services residential mortgage loans through retail and wholesale channels. This includes conventional, government-insured, and jumbo mortgages.
- Retail Banking: Provides traditional banking services to individuals and families, including deposit accounts, personal loans, and online banking.
Leadership and Structure
The leadership team is headed by Mark K. Mason, Chairman, President, and CEO. The organizational structure consists of various departments, including lending, retail banking, finance, and operations, each headed by senior executives reporting to the CEO.
Top Products and Market Share
Key Offerings
- Residential Mortgages: HomeStreet offers a variety of mortgage products, including conventional, FHA, VA, and jumbo loans. Market share data is difficult to pinpoint exactly, but they operate in a highly competitive market. Competitors include Wells Fargo, Bank of America, and Chase.
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data for HomeStreet is not readily available. Competitors include regional and national banks like Umpqua Bank and KeyCorp.
- Deposit Products: Offers checking accounts, savings accounts, and certificates of deposit (CDs). The market is highly fragmented, and HomeStreet's market share would be a smaller portion of the overall market. Competitors include all national and regional banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, regulatory changes, and increased competition from fintech companies. The mortgage market is sensitive to interest rate changes and economic conditions.
Positioning
HomeStreet is a regional bank with a focus on the West Coast. Its competitive advantages include its local market knowledge, strong customer relationships, and expertise in commercial real estate lending.
Total Addressable Market (TAM)
The TAM for banking services in the West Coast region is substantial, estimated to be in the hundreds of billions of dollars. HomeStreet is positioned to capture a portion of this market through its diverse product offerings and regional focus.
Upturn SWOT Analysis
Strengths
- Strong presence in the West Coast market
- Expertise in commercial real estate lending
- Diversified revenue streams
- Experienced management team
Weaknesses
- Limited geographic diversification
- Higher cost of funds compared to larger banks
- Reliance on interest rate sensitive businesses
- Smaller scale compared to national competitors
Opportunities
- Expansion into new markets within the West Coast
- Increased adoption of digital banking technologies
- Strategic acquisitions to expand product offerings
- Growing demand for commercial real estate financing
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- BAC
- USB
- KEY
- UMPQ
Competitive Landscape
HomeStreet's advantages include its regional focus and expertise in commercial real estate lending. Disadvantages include its smaller size and limited geographic diversification compared to larger national competitors.
Major Acquisitions
Capital One Home Loans (Select Assets)
- Year: 2018
- Acquisition Price (USD millions): 0
- Strategic Rationale: Expanded HomeStreet's mortgage operations and customer base.
Growth Trajectory and Initiatives
Historical Growth: HomeStreet's historical growth has been driven by organic expansion and strategic acquisitions. The pace of growth has varied depending on economic conditions and competitive pressures.
Future Projections: Future growth projections would be based on analyst estimates, which consider factors such as economic growth, interest rate forecasts, and company-specific initiatives. Without access to recent analyst estimates, projections cannot be provided.
Recent Initiatives: Recent strategic initiatives may include investments in technology, expansion of branch network, or new product launches. Reviewing recent company press releases would provide these details.
Summary
HomeStreet Inc. is a regional bank primarily operating in the West Coast, offering a range of banking and lending services. Its strength lies in commercial real estate lending and local market knowledge, but it faces competition from larger national banks and fintech companies. While expansion and digital adoption present growth opportunities, rising interest rates and economic uncertainties pose significant threats. The company's profitability and efficiency are crucial for maintaining a competitive edge and delivering shareholder value. Overall, HomeStreet appears moderately positioned, capitalizing on its strengths and regional focus, while navigating an evolving financial landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Outlets (Yahoo Finance, Google Finance)
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data and analyst estimates are subject to change. Actual results may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About HomeStreet Inc
Exchange NASDAQ | Headquaters Seattle, WA, United States | ||
IPO Launch date 2012-02-10 | Executive Chairman, President & CEO Mr. Mark K. Mason CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 758 | Website https://www.homestreet.com |
Full time employees 758 | Website https://www.homestreet.com | ||
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, interest-bearing, and money market accounts, as well as certificates of deposit. Its loan products include commercial real estate (CRE), multifamily, construction and land development, and owner occupied CRE and commercial business loans; and single family, home equity, and other loans. The company also offers insurance and treasury management, online and mobile banking, and telephone banking services, as well as credit cards. The company 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.
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