HomeStreet (HMST) Stock Price, News & Analysis

Company Overview

HomeStreet, Inc. is a Seattle-based financial services company originally chartered in 1921 as Home Federal Savings of America. Operating under the NASDAQ symbol HMST, the company rebranded as HomeStreet in 2006 to reflect its expanded offerings beyond traditional thrift operations. With over a century of history, HomeStreet has cultivated deep relationships in its markets and a reputation for personalized customer service.

HomeStreet’s core activities encompass a full suite of deposit and lending products. On the deposit side, the bank provides checking, savings, and money market accounts, along with certificates of deposit and online banking services. In lending, HomeStreet specializes in residential mortgages, including purchase and refinance loans, home equity lines of credit, and renovation financing. The company also offers specialty finance solutions such as small business lending, commercial real estate loans, and SBA-guaranteed financing for entrepreneurs and growing enterprises.

Geographically, HomeStreet focuses on the Western United States, maintaining branch networks and lending operations across California, Washington, Oregon, Hawaii, and Idaho. The bank combines its physical footprint with digital platforms to serve both retail and commercial customers, striving to deliver tailored solutions that leverage local market expertise. In addition to its branch network, HomeStreet utilizes online and mobile channels to support account opening, loan applications, and customer service inquiries.

Governance at HomeStreet is overseen by an experienced Board of Directors and a senior leadership team led by Chief Executive Officer Mary Ann McGarry. The executive team emphasizes community engagement, risk management, and technological innovation. Through consistent investment in digital capabilities and staff training, HomeStreet aims to balance growth with prudent underwriting and maintain its position as a trusted partner for individuals, families, and businesses throughout its service areas.

Key Stats

• Today's Range: $13.25 to $13.55
• 50-Day Range: $11.05 to $13.40
• 52-Week Range: $8.41 to $16.10
• Volume: 48,837 shs
• Average Volume: 141,681 shs
• Market Capitalization: $253.53 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 40% of companies evaluated by MarketBeat, and ranked 694th out of 907 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.3 / 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.

Amount of Analyst Coverage

HomeStreet has only been the subject of 1 research reports 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 -1.79, 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 -1.79, 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 0.64. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.21% 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 2.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in HomeStreet has recently increased by 23.75%, indicating that investor sentiment is decreasing 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

2.21% 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 2.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in HomeStreet has recently increased by 23.75%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 0.84

News Sentiment

HomeStreet has a news sentiment score of 0.84. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.73 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for HomeStreet this week, compared to 3 articles on an average week.

Search Interest

1 people have searched for HMST on MarketBeat in the last 30 days.

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 3.80% 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 17.3% and is now trading at $13.40.

How were HomeStreet's earnings last quarter?

HomeStreet, Inc. (NASDAQ:HMST) posted its quarterly earnings results on Monday, April, 28th. The financial services provider reported ($0.15) earnings per share for the quarter, missing analysts' consensus estimates of ($0.07) by $0.08. The financial services provider had revenue of $85.77 million for the quarter, compared to analyst estimates of $46.61 million. HomeStreet had a negative trailing twelve-month return on equity of 3.95% and a negative net margin of 41.07%.

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: 4/28/2025
• Today: 7/06/2025
• Next Earnings (Estimated): 8/04/2025
• 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 Stock Price Target: $14.17
• High Stock Price Target: $15.00
• Low Stock Price Target: $13.50
• Potential Upside/Downside: +5.7%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): ($7.50)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 44.67
• P/E Growth: N/A
• Net Income: -$144.34 million
• Net Margins: -41.07%
• Pretax Margin: -33.33%
• Return on Equity: -3.95%
• Return on Assets: -0.21%

Debt

• Debt-to-Equity Ratio: 3.06
• Current Ratio: 1.02
• Quick Ratio: 1.02

Sales & Book Value

• Annual Sales: $358.19 million
• Price / Sales: 0.71
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: $21.05 per share
• Price / Book: 0.64

Miscellaneous

• Outstanding Shares: 18,920,000
• Free Float: 18,202,000
• Market Cap: $253.53 million
• Optionable: Optionable
• Beta: 1.38