
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT
- About


HomeStreet Inc (HMST)



- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)


(see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/28/2025: HMST (2-star) has a low Upturn Star Rating. Not recommended to BUY.
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 171.05% | Avg. Invested days 46 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
![]() ![]() | ![]() ![]() |
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 |
Upturn AI SWOT
HomeStreet Inc

Company Overview
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.
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 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
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
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
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.
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.

Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.