HomeStreet (HMST) Stock Price
HomeStreet Price
Revenue at HomeStreet has contracted by 2.6% per year over the past 16 years to 75.70 M USD. Earnings per share have grown at 1.6% per year over the last 11 years. HomeStreet's net margin stands at -190.7%, down from 24.4% several years earlier. HomeStreet currently offers a dividend yield of about 4.77%. The dividend has grown at 7.3% per year over the past 11 years. Analysts set a median price target of 14.28 USD, implying 4.8% above the current price. Of 9 analysts, 6 rate the stock a buy — an overall Buy consensus.
HomeStreet stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of HomeStreet over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how HomeStreet stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing HomeStreet's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | HomeStreet Price |
|---|---|
| 8/28/2025 | 13.62 USD |
| 8/27/2025 | 13.97 USD |
| 8/26/2025 | 13.92 USD |
| 8/25/2025 | 14.00 USD |
| 8/21/2025 | 13.76 USD |
| 8/20/2025 | 13.75 USD |
| 8/19/2025 | 13.66 USD |
| 8/18/2025 | 13.16 USD |
| 8/14/2025 | 13.19 USD |
| 8/13/2025 | 13.26 USD |
| 8/12/2025 | 13.17 USD |
| 8/11/2025 | 12.91 USD |
| 8/7/2025 | 12.63 USD |
| 8/6/2025 | 12.98 USD |
| 8/5/2025 | 12.80 USD |
| 8/4/2025 | 13.05 USD |
| 7/31/2025 | 13.08 USD |
| 7/30/2025 | 12.74 USD |
| 7/29/2025 | 13.25 USD |
| 7/28/2025 | 13.18 USD |
HomeStreet Revenue, Pre-Provision Profit, Net Income
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HomeStreet Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEM USD |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMEM USD |
| Net Interest IncomeM USD |
| Non-Interest IncomeM USD |
| Loan Loss ProvisionsM USD |
| Pre-Provision Profit (PPOP)M USD |
| NET INCOMEM USD |
| NET INCOME GROWTH% |
| DIVIDENDDIV.USD |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESM |
| 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025e | 2026e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 166.00 | 306.00 | 264.00 | 277.00 | 407.00 | 533.00 | 229.00 | 256.00 | 320.00 | 371.00 | 336.00 | 325.00 | 399.00 | 328.00 | 191.00 | 207.00 |
| -8.79 | 84.34 | -13.73 | 4.92 | 46.93 | 30.96 | -57.04 | 11.79 | 25.00 | 15.94 | -9.43 | -3.27 | 22.77 | -17.79 | -41.77 | 8.38 |
| 80.72 | 90.20 | 94.32 | 95.31 | 94.84 | 94.37 | 85.59 | 74.61 | 72.50 | 82.75 | 99.40 | 80.00 | 100.00 | 13.72 | 13.72 | 13.72 |
| 134.00 | 276.00 | 249.00 | 264.00 | 386.00 | 503.00 | 196.00 | 191.00 | 232.00 | 307.00 | 334.00 | 260.00 | 399.00 | 45.00 | 26.20 | 28.40 |
| 48.50 | 60.70 | 74.40 | 98.70 | 148.34 | 180.05 | 194.44 | 202.48 | 189.39 | 208.66 | 227.06 | 233.31 | 187.45 | 120.09 | – | – |
| 97.20 | 238.00 | 190.70 | 185.70 | 242.83 | 323.75 | 42.60 | 36.50 | 42.83 | 119.36 | 92.06 | 21.59 | 7.11 | -44.39 | – | – |
| 3.30 | 11.50 | 0.90 | -1.00 | 6.10 | 4.10 | 0.80 | 3.00 | -0.50 | 20.50 | -15.00 | -5.20 | -0.44 | – | – | – |
| 19.20 | 115.10 | 35.60 | 32.40 | 24.57 | 59.50 | 46.44 | 43.78 | 16.62 | 92.32 | 103.82 | 49.50 | -47.31 | -120.51 | – | – |
| 16.00 | 82.00 | 23.00 | 22.00 | 41.00 | 58.00 | 68.00 | 40.00 | 17.00 | 79.00 | 115.00 | 66.00 | -27.00 | -144.00 | -5.00 | 14.00 |
| -147.06 | 412.50 | -71.95 | -4.35 | 86.36 | 41.46 | 17.24 | -41.18 | -57.50 | 364.71 | 45.57 | -42.61 | -140.91 | 433.33 | -96.53 | -380.00 |
| – | – | – | – | – | – | – | – | – | 0.60 | 1.00 | 1.40 | 0.65 | – | 0.67 | 0.69 |
| – | – | – | – | – | – | – | – | – | – | 66.67 | 40.00 | -53.57 | – | – | 2.99 |
| 5.40 | 14.71 | 14.81 | 14.97 | 22.30 | 25.59 | 27.14 | 27.18 | 24.47 | 22.10 | 20.52 | 18.75 | 18.81 | 18.86 | 18.86 | 18.86 |
Details
Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales HomeStreet generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue HomeStreet retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare HomeStreet's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares HomeStreet has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against HomeStreet's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
HomeStreet stock margins
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HomeStreet Revenue per Share, Earnings per Share
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HomeStreet business model & stock analysis
HomeStreet SWOT Analysis
Strengths
HomeStreet Inc benefits from a diversified product portfolio, offering a wide range of financial services to its customers. These include mortgage lending, commercial lending, personal banking, and insurance services. This diversification allows the company to capture various revenue streams and cater to different customer needs.
HomeStreet Inc has established a strong market presence in its target regions. With numerous branches and a large customer base, it enjoys brand recognition and customer loyalty. This presence gives the company a competitive advantage over smaller players in the industry.
The company benefits from a highly experienced management team that possesses deep industry knowledge and expertise. This allows HomeStreet Inc to make strategic decisions, adapt to market changes, and navigate regulatory challenges effectively.
Weaknesses
HomeStreet Inc relies heavily on interest rates, as changes in rates affect its profitability and demand for mortgage lending. Fluctuations in interest rates can pose a risk to the company's revenue and margins, making it vulnerable to economic uncertainties.
The company has a significant concentration of operations in specific geographic regions, which exposes it to localized economic and regulatory risks. Any adverse developments in these regions can impact HomeStreet Inc's financial performance and growth prospects.
Opportunities
HomeStreet Inc can explore opportunities to expand its operations into new markets or geographic areas. By diversifying its presence, the company can tap into untapped customer segments, increase its market share, and reduce the potential impact of regional economic downturns.
The rapid advancement of technology presents opportunities for HomeStreet Inc to enhance its service offerings and improve operational efficiency. Embracing digital solutions, such as online banking platforms and mobile applications, can attract tech-savvy customers and streamline internal processes.
Threats
HomeStreet Inc operates in a highly competitive financial services industry, facing competition from both traditional banks and emerging fintech companies. Intense competition may lead to pricing pressures, reduced market share, or the need for increased marketing efforts to attract and retain customers.
The company is exposed to economic uncertainties, such as recessions, interest rate fluctuations, and regulatory changes. These factors can impact consumer confidence, demand for financial services, and credit quality, potentially leading to decreased profitability and increased risk.
HomeStreet Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
HomeStreet historical P/E ratio, EBIT multiple, and P/S ratio
HomeStreet annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
HomeStreet shares outstanding
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HomeStreet stock splits
HomeStreet Dividend History
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HomeStreet dividend history and estimates
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HomeStreet dividend payout ratio
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Current HomeStreet forecasts and price targets in July 2026
Analyst Price Targets 2026| Δ MOM Price Target | 0.00 % |
| Buy | 66.67 % (6) |
| Hold | 33.33 % (3) |
| Sell | 0.00 % (0) |
| 12M Price Target | 14.28 |
| Last Price | 13.62 |
| Currency | USD |
| 12M Return Potential | 4.85 % |
| LTM Return | 0 % |
HomeStreet Earnings Estimates
| Date | EPS estimate | Revenue Estimate | Quarterly report |
|---|---|---|---|
| 4/22/2024 | 0.00USD | 50.85 MUSD | 2024 Q1 |
| 1/25/2024 | 0.02USD | 52.51 MUSD | 2023 Q4 |
| 7/24/2023 | 0.94USD | 76.00 MUSD | 2023 Q2 |
| 4/24/2023 | 0.71USD | 70.50 MUSD | 2023 Q1 |
| 1/23/2023 | 0.77USD | 70.46 MUSD | 2022 Q4 |
| 10/24/2022 | 1.04USD | 77.27 MUSD | 2022 Q3 |
| 7/25/2022 | 0.98USD | 78.49 MUSD | 2022 Q2 |
| 4/25/2022 | 0.97USD | 79.08 MUSD | 2022 Q1 |
| 1/24/2022 | 1.34USD | 85.90 MUSD | 2021 Q4 |
| 10/25/2021 | 1.14USD | 83.23 MUSD | 2021 Q3 |
HomeStreet shareholder structure
| % | Name |
|---|---|
8.19616% | |
7.23268% | |
6.24262% | |
5.83325% | |
5.15758% | |
4.04766% |
HomeStreet Supply Chain
HomeStreet Supply Chain
Correlation: how closely stock prices move together
| # | Name | 1M | 3M | 6M | 1Y | 2Y | Trend |
|---|---|---|---|---|---|---|---|
| 1 | 0.27 | 0.44 | -0.38 | 0.30 | 0.85 | ||
| 2 | 0.57 | 0.82 | 0.81 | 0.65 | 0.79 | ||
| 3 | -0.12 | -0.83 | -0.58 | 0.12 | 0.78 | ||
| 4 | 0.20 | 0.18 | 0.34 | 0.48 | 0.76 | ||
| 5 | -0.05 | -0.37 | -0.39 | 0.37 | 0.76 |
Frequently asked questions about HomeStreet
HomeStreet Inc operates as a diversified financial services company primarily serving customers in the Pacific Northwest region of the United States. The company's business model revolves around offering a comprehensive range of banking services, including commercial and consumer banking, mortgage banking, and insurance services. With a focus on providing personalized and convenient banking solutions, HomeStreet Inc aims to meet the financial needs of individuals, families, and businesses in the communities it serves. By leveraging its local market expertise and commitment to customer satisfaction, HomeStreet Inc aims to build long-term relationships and foster economic growth.
HomeStreet stock
HomeStreet Peer Group
HomeStreet Ticker
HomeStreet FIGI
All fundamentals and in-depth analysis of HomeStreet
Our stock analysis for HomeStreet stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of HomeStreet. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.