HomeStreet (HMST) Stock Price, News & Analysis

Company Overview

HomeStreet, Inc. is a bank holding company headquartered in Seattle, Washington. Through its wholly owned banking subsidiary, HomeStreet Bank, it provides commercial lending, mortgage origination and servicing, deposit products and insurance services to individuals, families and businesses.

The company’s mortgage business focuses on residential and multifamily loan origination, construction financing and commercial real estate lending. HomeStreet Bank also offers small business loans, treasury management, property‐acquisition financing and other customized credit solutions. On the retail side, the bank delivers checking, savings, certificates of deposit and online banking, alongside private banking and trust services through affiliate entities.

HomeStreet Bank maintains a network of branches across Washington, California, Oregon, Hawaii and Arizona, serving urban and suburban markets on the West Coast. The bank’s mortgage operations extend nationally through correspondent relationships and digital channels, supporting homebuyers and real estate investors throughout the United States.

Founded in 1921 as Continental Mortgage & Loan Company in Seattle, the organization adopted the HomeStreet name in 1990 and entered the public markets in 1995. Today, the company is led by President and Chief Executive Officer James A. McLaughlin, under whose tenure the institution has pursued strategic growth in both its balance‐sheet lending and fee‐based mortgage lines of business.

Key Stats

• Today's Range: $13.42 to $13.95
• 50-Day Range: $12.63 to $14.00
• 52-Week Range: $8.41 to $16.10
• Volume: 292,884 shs
• Average Volume: 143,074 shs
• Market Capitalization: $262.33 million
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $14.17
• Consensus Rating: Moderate Buy

HomeStreet Stock Analysis - MarketRank™

HomeStreet scored higher than 35% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.4 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

HomeStreet has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 2 buy ratings, 2 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for HomeStreet is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

HomeStreet has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 213.33%

Earnings Growth

Earnings for HomeStreet are expected to grow by 213.33% in the coming year, from $0.30 to $0.94 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of HomeStreet is -1.87, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of HomeStreet is -1.87, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

HomeStreet has a P/B Ratio of 0.65. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.15% of the float of HomeStreet has been sold short.

Short Interest Ratio / Days to Cover

HomeStreet has a short interest ratio ("days to cover") of 4.5.

Change versus previous month

Short interest in HomeStreet has recently decreased by 25.94%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

HomeStreet does not currently pay a dividend.

Dividend Growth

HomeStreet does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.15% of the float of HomeStreet has been sold short.

Short Interest Ratio / Days to Cover

HomeStreet has a short interest ratio ("days to cover") of 4.5.

Change versus previous month

Short interest in HomeStreet has recently decreased by 25.94%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, HomeStreet insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 4.60% of the stock of HomeStreet is held by insiders.

Percentage Held by Institutions

74.71% of the stock of HomeStreet is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

HMST Stock Analysis - Frequently Asked Questions

How have HMST shares performed this year?

HomeStreet's stock was trading at $11.42 on January 1st, 2025. Since then, HMST shares have increased by 21.4% and is now trading at $13.8650.

How were HomeStreet's earnings last quarter?

HomeStreet, Inc. (NASDAQ:HMST) announced its quarterly earnings data on Monday, July, 28th. The financial services provider reported ($0.16) earnings per share for the quarter, missing the consensus estimate of $0.05 by $0.21. The financial services provider earned $48.97 million during the quarter, compared to analysts' expectations of $49.96 million. HomeStreet had a negative net margin of 42.54% and a negative trailing twelve-month return on equity of 3.92%.

How do I buy shares of HomeStreet?

Shares of HMST stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of HomeStreet own?

Based on aggregate information from My MarketBeat watchlists, some other companies that HomeStreet investors own include Waste Connections (WCN), DiamondRock Hospitality (DRH), American Water Works (AWK), AU Optronics (AUOTY), The RMR Group (RMR), iShares Micro-Cap ETF (IWC) and Triple Flag Precious Metals (TFPM).

Company Calendar

• Last Earnings: 7/28/2025
• Today: 9/29/2025
• Next Earnings (Estimated): 11/04/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Thrifts & Mortgage Finance
• Current Symbol: NASDAQ:HMST
• CIK: 1518715
• Web: www.homestreet.com
• Phone: (206) 623-3050
• Fax: 800-654-1075
• Employees: 940
• Year Founded: 1921

Price Target and Rating

• Average Price Target for HomeStreet: $14.17
• High Price Target: $15.00
• Low Price Target: $13.50
• Potential Upside/Downside: +2.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): ($7.40)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 46.22
• P/E Growth: N/A
• Net Income: -$144.34 million
• Net Margins: -42.54%
• Pretax Margin: -34.00%
• Return on Equity: -3.92%
• Return on Assets: -0.21%

Debt

• Debt-to-Equity Ratio: 3.14
• Current Ratio: 1.03
• Quick Ratio: 1.02

Sales & Book Value

• Annual Sales: $358.19 million
• Price / Sales: 0.73
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: $21.30 per share
• Price / Book: 0.65

Miscellaneous

• Outstanding Shares: 18,920,000
• Free Float: 18,051,000
• Market Cap: $262.33 million
• Optionable: Optionable
• Beta: 1.40