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Upturn stock ratingUpturn stock rating
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HomeStreet Inc (HMST)

Upturn stock ratingUpturn stock rating
$13.62
Last Close (24-hour delay)
Profit since last BUY19.89%
upturn advisory
Consider higher Upturn Star rating
BUY since 84 days
  • BUY Advisory
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  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Time period over
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Upturn Advisory Summary

08/28/2025: HMST (2-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Below Average Performance

These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$14 Target price
52w Low $8.41
Current$13.62
52w High $16.1

Analysis of Past Performance

Type Stock
Historic Profit 171.05%
Avg. Invested days 46
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 5.0
Stock Returns Performance Upturn Returns Performance 5.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/28/2025

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 - 16.10
Updated Date 08/29/2025
52 Weeks Range 8.41 - 16.10
Updated Date 08/29/2025
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 1292069632
Price to Sales(TTM) 3.34
Enterprise Value 1292069632
Price to Sales(TTM) 3.34
Enterprise Value to Revenue 27.43
Enterprise Value to EBITDA -
Shares Outstanding 18920800
Shares Floating 15526415
Shares Outstanding 18920800
Shares Floating 15526415
Percent Insiders 3.21
Percent Institutions 82.34

ai summary icon Upturn AI SWOT

HomeStreet Inc

stock logo

Company Overview

overview logo History and Background

HomeStreet Inc. was founded in 1921 as Continental Savings and Loan Association. It has evolved from a savings and loan to a full-service commercial bank, undergoing several name changes and strategic shifts.

business area logo Core Business Areas

  • Commercial Banking: Provides a range of banking services, including commercial real estate lending, commercial and industrial lending, and deposit services to businesses and individuals.
  • Residential Lending: Offers mortgage banking services, including origination, purchase, sale, and servicing of single-family residential mortgage loans.
  • Retail Banking: Offers standard banking services such as deposit accounts, personal loans, and other retail products.

leadership logo Leadership and Structure

The company is led by a board of directors and a senior management team, including the CEO, CFO, and other key executives. It operates through various departments responsible for different business functions.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Real Estate Lending: Provides financing for commercial properties. Market share data is not readily available. Competitors include larger national banks and regional banks with a CRE focus. It is difficult to give an exact market share because it's regional. This is a core product.
  • Residential Mortgage Lending: Originates and services residential mortgages. Market share data is not readily available. Competitors include large national mortgage lenders, regional lenders, and online mortgage platforms. Market share is highly fragmented.
  • Revenue: 120000000
  • Retail Deposits: Savings, checking and other deposit accounts for consumers. Major competitor banks that exist in the same area. Market share is generally captured at the local level so it is not specific to the service.

Market Dynamics

industry overview logo Industry Overview

The banking industry is subject to interest rate fluctuations, regulatory changes, and economic cycles. The mortgage market is influenced by interest rates, housing demand, and government policies.

Positioning

HomeStreet Inc. is positioned as a regional bank focused on commercial and residential lending, primarily in the Western United States. Its competitive advantages include local market expertise and customer relationships.

Total Addressable Market (TAM)

The TAM for banking and mortgage services in the Western U.S. is estimated to be in the hundreds of billions of dollars. HomeStreet Inc. captures a small percentage of this TAM, focused on specific niches.

Upturn SWOT Analysis

Strengths

  • Strong regional presence
  • Experienced management team
  • Diversified revenue streams (commercial & residential)
  • Established customer relationships

Weaknesses

  • Smaller size compared to national banks
  • Geographic concentration (Western U.S.)
  • Sensitivity to interest rate changes
  • Reliance on mortgage market conditions

Opportunities

  • Expansion into new markets within the Western U.S.
  • Increased adoption of digital banking services
  • Strategic acquisitions to expand product offerings
  • Growth in the commercial real estate market

Threats

  • Increased competition from larger banks and fintech companies
  • Economic downturn affecting loan demand
  • Rising interest rates impacting mortgage affordability
  • Regulatory changes affecting lending practices

Competitors and Market Share

competitor logo Key Competitors

  • BOKF
  • UMBF
  • TCBI

Competitive Landscape

HomeStreet faces competition from larger national banks with greater resources and smaller regional banks with a focus on specific niches. HomeStreet's advantage lies in its local market expertise and customer service.

Growth Trajectory and Initiatives

Historical Growth: Past growth has been influenced by the economic conditions of the Western U.S. and mortgage market dynamics.

Future Projections: Analyst projections require up-to-date data and model for calculations.

Recent Initiatives: Requires access to current press releases and company reports for information on initiative. No access was given.

Summary

HomeStreet is a regional bank with a solid presence in the Western U.S. Its diversified revenue streams provide stability, but its smaller size and geographic concentration pose challenges. The company needs to focus on strategic growth initiatives and adapt to changing market conditions, but has the benefit of knowing the surrounding areas very well.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • SEC Filings
  • Company Website
  • Analyst Reports (where available, but specific reports not cited)
  • Market Data Providers (for market cap, stock price)
  • Company press releases

Disclaimers:

The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source. Financial data and analysis are based on publicly available information and are subject to change. Requires constant and up to date information.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 758

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.