HMST Stock - HomeStreet, Inc.
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $328.32M | $411.76M | $325.88M | $336.36M | $371.37M |
| Gross Profit | $45.83M | $178.77M | $260.10M | $334.12M | $307.55M |
| Gross Margin | 14.0% | 43.4% | 79.8% | 99.3% | 82.8% |
| Operating Income | $-120,512,000 | $-32,757,000 | $84.66M | $146.69M | $101.89M |
| Net Income | $-144,344,000 | $-27,508,000 | $66.54M | $115.42M | $79.99M |
| Net Margin | -44.0% | -6.7% | 20.4% | 34.3% | 21.5% |
| EPS | $-7.65 | $-1.46 | $3.51 | $5.53 | $3.50 |
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 accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit; credit cards; insurance; and treasury management products and services. Its loan products include commercial business and agriculture loans, single family residential mortgages, consumer loans, commercial loans secured by residential and commercial real estate, and construction loans for residential and commercial real estate development, as well as consumer installment loans and permanent loans on commercial real estate and single-family residences. In addition, the company offers its products and services through bank branches, loan production offices, and ATMs, as well as through online, mobile, and telephone banking. As of December 31, 2021, it operated 60 full-service bank branches located in Washington state, Northern and Southern California, the Portland, Oregon, and Hawaii; and five primary stand-alone commercial lending centers in Central Washington, Oregon, Southern California, Idaho, and Utah. HomeStreet, Inc. 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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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| April 1st 2025 | Janney | Upgrade | Buy | - |
| November 5th 2024 | Wedbush | Upgrade | Outperform | $12 |
| June 20th 2024 | Janney | Upgrade | Buy | $13.5 |
| April 26th 2023 | Wedbush | Downgrade | Neutral | $12← $21 |
| February 1st 2023 | Piper Sandler | Upgrade | Neutral | $28← $24 |
| January 31st 2023 | Keefe Bruyette | Downgrade | Market Perform | $29← $38 |
| June 14th 2022 | B. Riley Securities | Downgrade | Neutral | $43← $55 |
| May 5th 2022 | Piper Sandler | Downgrade | Underweight | $40← $52 |
Earnings History & Surprises
HMSTEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q4 2025 | Nov 4, 2025 | $-0.03 | $7.94 | +26566.7% | ✓ BEAT |
Q3 2025 | Jul 28, 2025 | $0.05 | $-0.16 | -420.0% | ✗ MISS |
Q2 2025 | Apr 28, 2025 | $-0.07 | $-0.15 | -114.3% | ✗ MISS |
Q1 2025 | Jan 27, 2025 | $-0.22 | $-0.27 | -22.7% | ✗ MISS |
Q4 2024 | Oct 29, 2024 | $-0.24 | $-0.32 | -33.3% | ✗ MISS |
Q3 2024 | Jul 29, 2024 | $-0.24 | $-0.23 | +4.2% | ✓ BEAT |
Q2 2024 | Apr 30, 2024 | $-0.12 | $-0.29 | -141.7% | ✗ MISS |
Q1 2024 | Jan 29, 2024 | $-0.01 | $-0.12 | -816.7% | ✗ MISS |
Q4 2023 | Oct 30, 2023 | $0.05 | $0.12 | +140.0% | ✓ BEAT |
Q3 2023 | Jul 28, 2023 | $0.20 | $0.17 | -15.0% | ✗ MISS |
Q2 2023 | Apr 24, 2023 | $0.40 | $0.27 | -32.5% | ✗ MISS |
Q1 2023 | Jan 27, 2023 | $0.75 | $0.45 | -40.0% | ✗ MISS |
Q4 2022 | Oct 24, 2022 | $1.02 | $1.08 | +5.9% | ✓ BEAT |
Q3 2022 | Jul 25, 2022 | $0.96 | $0.94 | -2.1% | ✗ MISS |
Q2 2022 | Apr 25, 2022 | $0.95 | $1.01 | +6.3% | ✓ BEAT |
Q1 2022 | Jan 24, 2022 | $1.31 | $1.43 | +9.2% | ✓ BEAT |
Q4 2021 | Oct 25, 2021 | $1.12 | $1.31 | +17.0% | ✓ BEAT |
Q3 2021 | Jul 26, 2021 | $1.16 | $1.37 | +18.1% | ✓ BEAT |
Q2 2021 | Apr 26, 2021 | $1.12 | $1.35 | +20.5% | ✓ BEAT |
Q1 2021 | Mar 12, 2021 | — | $1.25 | — | — |
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