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Market Price

31.66 

0.52 1.7%

as of Jun 14 '19

52 Week Range:

20.50 31.71


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

HomeStreet, Inc. operates as the bank holding company for HomeStreet Bank, a state-chartered commercial bank that provides commercial and consumer banking services primarily in the Pacific Northwest, California, and Hawaii. The company operates in two segments, Commercial and Consumer Banking, and Mortgage Banking. The Commercial and Consumer Banking segment offers deposit products; non-deposit investment products; and insurance products and cash management services. It also offers consumer loans, single family residential mortgages, loans secured by commercial real estate, construction loans for residential and commercial real estate projects, commercial business loans, and agricultural loans; and bridge loans and permanent loans primarily on single family residences, as well as on office, retail, industrial, and multifamily property types. This segment provides its products and services through bank branches, lending centers, and ATMs, as well as through online, mobile, and telephone banking. The Mortgage Banking segment originates single family residential mortgage loans for sale in the secondary market. This segment is also involved in the sale of loans on a servicing-released and servicing-retained basis to securitizers and correspondent lenders. As of December 31, 2018, it had a network of 60 retail deposit branches located in Washington state, Southern California, the Portland, Oregon, and Hawaii; and 32 primary stand-alone home loan centers and 6 primary commercial lending centers. The company was formerly known as Continental Mortgage and Loan Company. HomeStreet, Inc. was founded in 1921 and is headquartered in Seattle, Washington.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 14.37
6.41
4.10
15.99
18.34
18.12
19.83
20.86
21.87
24.97
26.48
growth rate -55.4% -36.0% 290.0% 14.7% -1.2% 9.4% 5.2% 4.8% 14.2% 6.1%
Earnings BIT 11.63
-157.23
-33.55
15.91
103.67
34.79
36.51
61.88
101.26
85.52
growth rate -100.0% 0.0% 100.0% 551.6% -66.4% 4.9% 69.5% 63.6% -15.5%
Avg.PE 0.52
4.28
12.44
12.05
10.49
11.50
11.99
17.42
growth rate 723.1% 190.7% -3.1% -13.0% 9.6% 4.3% 45.3%
ROA 0.30
-3.44
-1.20
0.68
3.35
0.84
0.67
0.98
1.04
1.06
0.58
growth rate -100.0% 0.0% 100.0% 392.7% -74.9% -20.2% 46.3% 6.1% 1.9% -45.3%
ROE 4.10
-120.00
-45.46
22.20
46.91
8.99
7.84
10.77
10.63
10.34
5.54
growth rate -100.0% 0.0% 100.0% 111.3% -80.8% -12.8% 37.4% -1.3% -2.7% -46.4%
ROIC -6.49
3.40
18.65
24.76
4.96
3.53
growth rate 100.0% 448.5% 32.8% -80.0% -28.8%
Leverage 34.93
42.28
26.21
9.98
11.53
11.70
10.52
9.92
9.57
9.52
growth rate 21.0% -38.0% -61.9% 15.5% 1.5% -10.1% -5.7% -3.5% -0.5%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 61.88
88.20
122.24
105.01
growth rate 42.5% 38.6% -14.1%
Acct.Payable 49.02
69.69
77.91
2,491.91
3,295.95
4,534.30
4,849.72
5,132.23
growth rate 42.2% 11.8% 3,098.6% 32.3% 37.6% 7.0% 5.8%
Cur.Assets 690.23
739.62
853.03
710.57
428.30
growth rate 7.2% 15.3% -16.7% -39.7%
Total Assets 2,958.91
3,209.50
2,485.70
2,264.96
2,631.23
3,066.05
3,535.09
4,894.50
6,243.70
6,742.04
7,042.22
growth rate 8.5% -22.6% -8.9% 16.2% 16.5% 15.3% 38.5% 27.6% 8.0% 4.5%
Cash 217.10
72.60
629.38
478.17
568.01
30.50
32.68
49.93
68.32
53.28
growth rate -66.6% 766.9% -24.0% 18.8% -94.6% 7.2% 52.8% 36.8% -22.0%
Inventory 9.45
7.53
5.24
0.66
0.46
growth rate -20.3% -30.4% -87.3% -31.5%
Cur.Liabilities 2,544.69
3,298.95
4,542.26
4,854.44
6,085.81
growth rate 29.6% 37.7% 6.9% 25.4%
Liabilities 0.00
3,117.60
2,426.90
2,178.55
2,367.47
2,800.13
3,232.85
4,429.22
5,614.42
6,037.66
6,302.70
growth rate -22.2% -10.2% 8.7% 18.3% 15.5% 37.0% 26.8% 7.5% 4.4%
LT Debt 0.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
659.45
1,080.02
993.53
1,104.48
131.05
growth rate 0.1% 0.1% 0.1% 0.1% -67.2% 63.8% -8.0% 11.2% -88.1%
Equity 206.10
91.90
58.80
86.41
263.76
265.93
302.24
465.28
629.28
704.38
739.52
growth rate -55.4% -36.0% 47.0% 205.3% 0.8% 13.7% 53.9% 35.3% 11.9% 5.0%
Common Shares 14.34
5.00
6.00
14.00
14.00
15.00
15.00
0.51
0.51
0.51
0.51
growth rate -65.1% 20.0% 133.3% 0.0% 7.1% 0.0% -96.6% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 2.41
3.30
2.30
1.76
11.40
22.84
19.90
20.56
24.48
42.29
9.72
growth rate 36.9% -30.3% -23.6% 548.6% 100.3% -12.9% 3.3% 19.1% 72.7% -77.0%
Cash Dividends 3.04
0.00
0.00
0.00
0.00
1.63
growth rate -100.0%
Cash From OA 134.58
-23.56
-43.04
89.72
-391.87
304.03
-348.64
8.31
-44.79
159.33
286.01
growth rate -100.0% 0.0% 100.0% -100.0% 100.0% -100.0% 100.0% -100.0% 100.0% 79.5%
FCF per Share -4.99
-8.40
-13.05
-29.70
12.64
-22.39
-13.12
1.61
2.31
14.99
growth rate 0.0% 0.0% 0.0% 100.0% -100.0% 0.0% 100.0% 43.5% 548.9%
Sale Purchase of Stock 88.20
0.19
0.13
0.18
61.43
0.01
growth rate -99.8% -30.9% 36.9% 34,409.0% -100.0%
FCF 132.17
-27.00
-45.00
87.00
-408.00
281.00
-369.00
-12.00
-70.00
118.00
-3.00
growth rate -100.0% 0.0% 100.0% -100.0% 100.0% -100.0% 0.0% 0.0% 100.0% -100.0%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 116.23
90.70
129.80
176.40
318.71
279.72
285.90
415.75
535.10
505.84
436.44
growth rate -22.0% 43.1% 35.9% 80.7% -12.2% 2.2% 45.4% 28.7% -5.5% -13.7%
Op.Income -157.20
-33.60
16.12
82.13
23.81
39.89
70.90
105.26
74.97
57.69
growth rate 0.0% 100.0% 409.5% -71.0% 67.5% 77.8% 48.5% -28.8% -23.1%
IBT 11.63
-157.23
-33.55
15.91
103.67
34.79
33.32
56.91
90.78
66.19
45.87
growth rate -100.0% 0.0% 100.0% 551.8% -66.4% -4.3% 70.8% 59.5% -27.1% -30.7%
Net Income 8.43
-110.30
-34.20
16.12
82.13
23.81
22.26
41.32
58.15
68.95
40.03
growth rate -100.0% 0.0% 100.0% 409.5% -71.0% -6.5% 85.6% 40.7% 18.6% -41.9%
EPS 1.56
-20.41
-6.34
2.81
5.98
1.61
1.49
1.96
2.34
2.54
1.47
growth rate -100.0% 0.0% 100.0% 112.8% -73.1% -7.5% 31.5% 19.4% 8.6% -42.1%
Gross Profit 285.90
415.75
535.10
505.84
436.44
growth rate 45.4% 28.7% -5.5% -13.7%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Earnings BIT 13.20
growth rate
Balance Sheet Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Acct.Receivable
growth rate
Acct.Payable 5,165.61
5,243.76
5,268.70
5,132.23
5,286.38
growth rate 1.5% 0.5% -2.6% 3.0%
Cur.Assets 596.61
768.88
483.38
428.30
517.88
growth rate 28.9% -37.1% -11.4% 20.9%
Total Assets 6,924.06
7,163.88
7,029.08
7,042.22
7,171.41
growth rate 3.5% -1.9% 0.2% 1.8%
Cash 66.29
176.22
59.01
53.28
67.69
growth rate 165.8% -66.5% -9.7% 27.0%
Inventory 0.30
0.75
0.75
0.46
0.84
growth rate 153.2% -0.1% -39.4% 84.2%
Cur.Liabilities 5,196.82
5,280.64
5,331.09
6,085.81
5,567.24
growth rate 1.6% 1.0% 14.2% -8.5%
Liabilities 6,223.09
6,457.42
6,314.30
6,302.70
6,424.37
growth rate 3.8% -2.2% -0.2% 1.9%
LT Debt 976.98
1,133.98
942.01
131.05
845.34
growth rate 16.1% -16.9% -86.1% 545.0%
Equity 700.96
706.46
714.78
739.52
747.03
growth rate 0.8% 1.2% 3.5% 1.0%
Common Shares 0.51
0.51
0.51
0.51
0.51
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures 3.58
2.35
1.13
2.67
0.64
growth rate -34.4% -51.9% 136.1% -76.1%
Cash Dividends
growth rate
Cash From OA 107.26
-71.49
193.03
57.21
-12.22
growth rate -100.0% 100.0% -70.4% -100.0%
Sale Purchase of Stock 0.01
growth rate
FCF 103.68
-73.84
191.90
54.54
-12.86
growth rate -100.0% 100.0% -71.6% -100.0%
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 108.54
119.39
109.00
99.50
54.15
growth rate 10.0% -8.7% -8.7% -45.6%
Op.Income 9.01
17.21
16.28
15.45
7.43
growth rate 90.9% -5.4% -5.1% -51.9%
IBT 7.77
8.83
14.41
14.86
6.30
growth rate 13.6% 63.2% 3.1% -57.6%
Net Income 5.87
7.10
11.84
15.23
-1.72
growth rate 21.0% 66.7% 28.7% -100.0%
EPS
growth rate
Gross Profit 108.54
119.39
109.00
99.50
54.15
growth rate 10.0% -8.7% -8.7% -45.6%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (30.18)

YOY Growth Grade:

E (26.09)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 23.56 26.41 12.56
EPS / Growth -6.9% 1.20 10.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 20.9%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 10.7% 10.7%
Future PE 2.00 19.14 19.14
Future EPS 1.32 3.30 3.30
Value Price
MOS %
0.65
-97.9%
15.60
-50.7%
15.60
-50.7%
MOS Price 0.33 7.80 7.80
IRT 23.34 12.48 12.48

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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