HMST Valuation

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Overview
Forecast
Valuation
Earnings

HMST Relative Valuation

HMST's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, HMST is overvalued; if below, it's undervalued.

Historical Valuation

HomeStreet Inc (HMST) is now in the Fair zone, suggesting that its current forward PS ratio of 1.35 is considered Fairly compared with the five-year average of 14.61. The fair price of HomeStreet Inc (HMST) is between 12.67 to 26.14 according to relative valuation methord.

Relative Value

Fair Zone

12.67-26.14

Current Price：13.64

Fair

60.30

Trailing

Forward

0.00

EV/EBITDA

HomeStreet Inc. (HMST) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

HomeStreet Inc. (HMST) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

1.31

HomeStreet Inc. (HMST) has a current PS of 1.31. The 5-year average PS is 1.83. The thresholds are as follows: Strongly Undervalued below 0.17, Undervalued between 0.17 and 1.00, Fairly Valued between 2.66 and 1.00, Overvalued between 2.66 and 3.49, and Strongly Overvalued above 3.49. The current Forward PS of 1.31 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

HomeStreet Inc. (HMST) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

HomeStreet Inc. (HMST) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

HomeStreet Inc (HMST) has a current Price-to-Book (P/B) ratio of 0.64. Compared to its 3-year average P/B ratio of 0.52 , the current P/B ratio is approximately 22.26% higher. Relative to its 5-year average P/B ratio of 0.81, the current P/B ratio is about -20.98% higher. HomeStreet Inc (HMST) has a Forward Free Cash Flow (FCF) yield of approximately -16.23%. Compared to its 3-year average FCF yield of 9.40%, the current FCF yield is approximately -272.69% lower. Relative to its 5-year average FCF yield of 12.38% , the current FCF yield is about -231.12% lower.

0.65

P/B

Median3y

0.52

Median5y

0.81

-16.65

FCF Yield

Median3y

9.40

Median5y

12.38

Competitors Valuation Multiple

The average P/S ratio for HMST's competitors is 1.95, providing a benchmark for relative valuation. HomeStreet Inc Corp (HMST) exhibits a P/S ratio of 1.31, which is -32.58% above the industry average. Given its robust revenue growth of 21.94%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Avidbank Holdings Inc

2.75

0.00

MBCN.O

Middlefield Banc Corp

Chemung Financial Corp

2.23

-62.30%

258.33M

Performance Decomposition

Market capitalization of HMST decreased by 14.88% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 38.36M to 46.77M.

The secondary factor is the P/E Change, contributed 5.18%to the performance.

Overall, the performance of HMST in the past 1 year is driven by Revenue Growth. Which is more sustainable.

21.94%

38.36M → 46.77M

Revenue Growth

-42.00%

-16.26 → -9.43

Margin Expansion

5.18%

-1.79 → -1.88

P/E Change

-14.88%