HomeStreet, Inc. Financial Ratios — HMST Stock

Profitability (USD)

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Return on Common Equity (%)	-43.08	21.8	66.6	13.69	11.49	18.39	21.19	20.4	10.2	3.22	11.78	16.77	9.82	-4.28	-26.02
Return on Assets (%)	-1.2	0.68	3.35	0.84	0.67	0.98	1.04	1.06	0.58	0.25	1.14	1.6	0.8	-0.29	-1.65
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.02	4.25	3.46	5.92	6.58	3.79	3.08	11.48	9.74	7.59	5.02	5.85	7.2	8.88	32.06
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-25.48	11.55	36.01	13.78	12.53	14.51	17.87	13.06	14.52	20.98	31.06	45.97	33.21	-18.32	-262.95
Profit Margin (%)	-26.01	11.7	28.53	9.43	8.37	10.53	11.45	34.94	20.56	7.54	24.39	36.17	26.1	-15.39	-314.96
Net Income to Common Margin (%)	-26.01	11.7	28.53	9.43	8.37	10.53	11.45	34.94	20.56	7.54	24.39	36.17	26.1	-15.39	-314.96
Effective Tax Rate (%)	- -	- -	20.78	31.57	33.19	27.39	35.94	- -	7.19	16.4	21.5	21.32	21.4	- -	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	7.31	- -	- -	- -	- -	- -	17.33	18.49	40.35	-44.78	- -
Sustainable Growth Rate (%)	-43.08	21.8	66.6	13.69	10.65	18.39	21.19	20.4	10.2	3.22	9.74	13.67	5.85	-6.19	-26.02

Credit (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Total Debt	233	120	321	511	659	1,080	994	1,104	1,058	597	449	167	1,240	3,715	2,225
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	323	41	16	1,745	1,000
LT Debt	233	120	321	511	659	1,080	994	1,104	1,058	597	126	126	1,224	1,970	1,225
Total Debt/EBITDA	58.46	20.45	32.25	34.21	37.68	72.6	63.42	48.77	55.8	33.9	27.24	8.95	67.55	234	151.45
Net Debt/EBITDA	40.21	-24.51	29.71	31.95	35.93	70.4	59.97	45.56	52.74	30.61	23.72	5.46	63.59	220.42	123.78
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	2.64	3.63	6.25	5.98	5.77	5.01	4.86	5.52	5.86	9.91	9.43	9.64	7.07	6.66	5.96
Long-Term Debt/Equity (%)	395.87	138.62	121.68	192.31	218.19	232.12	157.88	156.8	143.07	87.87	17.53	17.62	217.81	365.86	308.6
Long-Term Debt/Capital (%)	78	59.29	66.13	73.6	76.37	81.49	76.6	74.78	71.95	46.93	11.13	14.63	64.37	45.39	45.22
Long-Term Debt/Total Assets (%)	9.36	5.29	12.2	16.68	18.65	22.07	15.91	16.38	15.02	8.77	1.74	1.75	13.07	20.97	15.08
Total Debt/Equity (%)	395.87	138.62	121.68	192.31	218.19	232.12	157.88	156.8	143.07	87.87	62.51	23.35	220.65	689.98	560.49
Total Debt/Capital (%)	78	59.29	66.13	73.6	76.37	81.49	76.6	74.78	71.95	46.93	39.67	19.39	65.21	85.59	82.13
Total Debt/Total Assets (%)	9.36	5.29	12.2	16.68	18.65	22.07	15.91	16.38	15.02	8.77	6.2	2.32	13.25	39.55	27.39
Net Debt to Equity	272.31	-166.1	112.09	179.56	208.1	225.1	149.31	146.48	135.23	79.35	54.42	14.23	207.7	649.92	458.07
Net Debt/Capital (%)	70.92	234.26	64.27	72.24	75.5	81.02	75.58	73.47	70.8	44.4	36.4	12.79	63.83	84.84	78.97
EBITDA	4	6	10	15	18	15	16	23	19	18	16	19	18	16	15
EBITDA-CapEx	4	4	-2	-8	-2	-6	-9	-20	9	15	13	16	12	12	14
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	2.64	3.63	6.25	5.98	5.77	5.01	4.86	5.52	5.86	9.91	9.43	9.64	7.07	6.66	5.96
Long-Term Debt/Equity (%)	395.87	138.62	121.68	192.31	218.19	232.12	157.88	156.8	143.07	87.87	17.53	17.62	217.81	365.86	308.6
Long-Term Debt/Capital (%)	78	59.29	66.13	73.6	76.37	81.49	76.6	74.78	71.95	46.93	11.13	14.63	64.37	45.39	45.22
Long-Term Debt/Total Assets (%)	9.36	5.29	12.2	16.68	18.65	22.07	15.91	16.38	15.02	8.77	1.74	1.75	13.07	20.97	15.08
Total Debt/Equity (%)	395.87	138.62	121.68	192.31	218.19	232.12	157.88	156.8	143.07	87.87	62.51	23.35	220.65	689.98	560.49
Total Debt/Capital (%)	78	59.29	66.13	73.6	76.37	81.49	76.6	74.78	71.95	46.93	39.67	19.39	65.21	85.59	82.13
Total Debt/Total Assets (%)	9.36	5.29	12.2	16.68	18.65	22.07	15.91	16.38	15.02	8.77	6.2	2.32	13.25	39.55	27.39
CFO/Total Liabilities	-1.77	4.12	-16.55	10.86	-10.78	0.19	-0.8	2.64	4.54	4.22	-0.39	2.67	2.48	0.09	-0.59
CFO/CapEx	-158.83	48.63	-34.16	13.3	-17.5	0.4	-1.83	3.72	29.4	113.97	-7.75	58.84	32.17	2.11	-93.72
Altman's Z-Score	0.09	0.12	0.28	0.23	0.2	0.21	0.23	0.18	0.16	0.19	0.19	0.22	0.13	0.09	0.07

Working Capital (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Accounts Receivable Turnover	3.56	2.71	3.84	2.4	2.34	7.47	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	102.42	134.48	95.13	152.07	155.99	48.85	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Market Capitalization	- -	- -	290	250	225	394	678	678	499	758	687	990	495	193	215
- Cash & Cash Equivalents	73	263	25	34	31	33	54	73	58	58	58	65	73	216	407
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	233	120	321	511	659	1,080	994	1,104	1,058	597	449	167	1,240	3,715	2,225
Enterprise Value	160	-473	170	727	854	1,441	1,618	1,710	1,499	1,298	1,078	1,092	1,663	3,693	2,034
Total Capital	298	202	485	695	864	1,325	1,297	1,477	1,471	1,273	1,131	861	1,902	4,340	2,709
Total Debt/Capital (%)	78	59.29	66.13	73.6	76.37	81.49	76.6	74.78	71.95	46.93	39.67	19.39	65.21	85.59	82.13
Total Debt / EV	1.45	-0.25	1.89	0.7	0.77	0.75	0.61	0.65	0.71	0.46	0.42	0.15	0.75	1.01	1.09
EV/Sales	1.22	- -	0.59	2.88	3.21	3.67	3.19	8.67	7.7	5.59	3.29	3.42	6.52	20.66	44.38
EV/EBITDA	40.21	- -	17.04	48.66	48.77	96.89	103.28	75.52	79.06	73.65	65.45	58.5	90.55	232.6	138.43
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	2.39	- -	173.43	- -	10.73	5.24	5.01	- -	6.31	7.62	460.19	- -
EV/Free Cash Flow to Firm	- -	- -	- -	2.22	- -	49.91	- -	8.46	5.07	4.97	- -	6.2	7.39	312	- -
Diluted Market Cap	- -	- -	300	256	227	399	685	684	503	764	693	1,002	498	193	215
Diluted Enterprise Value	160	-144	595	734	856	1,446	1,624	1,716	1,503	1,303	1,084	1,104	1,666	3,693	2,034
EV per Share	29.63	- -	12.74	50.46	57.67	69.24	65.73	63.66	55.59	50.74	47.13	52.26	87.82	196.59	107.86
TTM Sales	132	138	288	253	266	392	508	197	195	232	328	319	255	179	46
TTM EBITDA	4	6	10	15	18	15	16	23	19	18	16	19	18	16	15
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-43	90	-392	304	-349	8	-45	159	286	259	-26	173	218	8	-46
TTM Free Cash Flow to Firm	-43	92	-380	327	-329	29	-20	202	296	261	-22	176	225	12	-45

Multiples (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Price/Free Cash Flow	- -	- -	-0.79	0.78	-0.69	13.8	-33.71	3.38	1.7	2.93	-31.17	5.69	2.21	16.35	-4.74
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	160	-473	170	727	854	1,441	1,618	1,710	1,499	1,298	1,078	1,092	1,663	3,693	2,034
Low Price	- -	- -	11.33	18.48	15.95	16.7	18.58	24	20.5	20.9	18.44	32.75	22.44	4.2	8.09
EV/Sales	1.22	- -	0.59	2.88	3.21	3.67	3.19	8.67	7.7	5.59	3.29	3.42	6.52	20.66	44.38
EV/EBITDA	40.21	- -	17.04	48.66	48.77	96.89	103.28	75.52	79.06	73.65	65.45	58.5	90.55	232.6	138.43
Price/Earnings	- -	- -	3.53	10.49	10.09	9.54	11.67	9.84	12.47	43.3	8.59	8.58	7.44	- -	- -
Price/Earnings Average	- -	- -	2.5	11.43	10.4	9.21	8.59	9.32	16.36	36.14	6.97	7.02	10.11	-8.28	-1.68
Price/Earnings High	- -	- -	4.37	17.39	13.9	12.31	14.27	12.66	21.97	51.75	10.15	9.74	16.33	-20.59	-2.1
Price/Earnings Low	- -	- -	1.84	11.19	10.61	8.41	7.87	9.35	13.81	30.52	5.27	5.93	6.38	-2.87	-1.06
Price/Book Value	- -	- -	1.77	1.36	1.1	1.61	2.23	1.82	1.21	1.12	1.01	1.43	0.75	0.31	0.44
Price/Book Value Average	- -	- -	1.25	1.48	1.13	1.55	1.65	1.73	1.59	0.94	0.82	1.17	1.02	0.36	0.5
Price/Book Value High	- -	- -	2.18	2.26	1.52	2.07	2.73	2.34	2.13	1.34	1.19	1.62	1.64	0.91	0.63
Price/Book Value Low	- -	- -	0.92	1.45	1.16	1.42	1.51	1.73	1.34	0.79	0.62	0.99	0.64	0.13	0.32
Price/Tangible Book Value	- -	- -	1.73	2.73	1.35	1.39	1.88	1.71	0.81	1.38	1.15	1.7	1.18	0.46	0.74
Price/Tangible Book Value Average	- -	- -	1.22	2.98	1.39	1.35	1.38	1.62	1.07	1.16	0.93	1.39	1.6	0.54	0.83
Price/Tangible Book Value High	- -	- -	2.14	4.53	1.85	1.8	2.3	2.2	1.43	1.65	1.36	1.93	2.59	1.33	1.05
Price/Tangible Book Value Low	- -	- -	0.9	2.91	1.41	1.23	1.27	1.62	0.9	0.98	0.7	1.17	1.01	0.19	0.53
Price/Sales	- -	- -	1.01	0.99	0.85	1	1.34	3.44	2.56	3.27	2.09	3.1	1.94	1.08	4.7
Price/Sales Average	- -	- -	0.71	1.08	0.87	0.97	0.98	3.26	3.36	2.73	1.7	2.54	2.64	1.27	5.28
Price/Sales High	- -	- -	1.25	1.64	1.16	1.3	1.63	4.43	4.52	3.9	2.48	3.52	4.26	3.17	6.62
Price/Sales Low	- -	- -	0.52	1.05	0.89	0.89	0.9	3.27	2.84	2.3	1.29	2.14	1.67	0.44	3.33
Price/Cash Flow	- -	- -	-0.74	0.82	-0.64	47.42	-15.15	4.26	1.75	2.93	-26.9	5.72	2.27	24.11	-4.69
Price/Cash Flow Average	- -	- -	-0.52	0.9	-0.66	45.79	-11.15	4.03	2.29	2.44	-21.84	4.68	3.08	28.38	-5.27
Price/Cash Flow High	- -	- -	-0.92	1.36	-0.89	61.19	-18.52	5.48	3.07	3.5	-31.8	6.5	4.98	70.58	-6.61
Price/Cash Flow Low	- -	- -	-0.38	0.88	-0.68	41.83	-10.21	4.05	1.93	2.07	-16.51	3.95	1.95	9.83	-3.32
Price/Free Cash Flow Average	- -	- -	-0.56	0.86	-0.71	13.33	-24.83	3.21	2.23	2.44	-25.31	4.66	3.01	19.24	-5.33
Price/Free Cash Flow High	- -	- -	-0.97	1.3	-0.95	17.81	-41.22	4.36	2.99	3.5	-36.84	6.47	4.86	47.85	-6.68
Price/Free Cash Flow Low	- -	- -	-0.41	0.84	-0.73	12.18	-22.73	3.22	1.88	2.06	-19.13	3.93	1.9	6.67	-3.36
EV/Sales Average	1.22	- -	1.74	2.97	3.24	3.64	2.83	8.49	8.5	5.05	2.89	2.86	7.22	20.85	44.96
EV/Sales High	1.22	- -	2.27	3.53	3.53	3.97	3.48	9.65	9.65	6.23	3.67	3.84	8.84	22.74	46.3
EV/Sales Low	1.22	- -	1.55	2.95	3.25	3.56	2.75	8.5	7.98	4.62	2.48	2.46	6.25	20.01	43.01
EV/EBITDA Average	40.21	-24.51	50.34	50.16	49.17	95.98	91.87	73.95	87.27	66.53	57.6	48.88	100.23	234.76	140.24
EV/EBITDA High	40.21	-24.51	65.78	59.65	53.62	104.59	112.92	84.12	99.1	82.05	73.05	65.71	122.77	256.09	144.44
EV/EBITDA Low	40.21	-24.51	44.86	49.76	49.42	93.77	89.17	74.03	81.89	60.95	49.33	42.11	86.72	225.39	134.16
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	21.8	17.33	15.18	18.93	27.56	25.25	18.51	29.65	30.05	47.39	26.15	10.3	11.42
High Price	- -	- -	26.97	28.73	20.91	24.43	33.7	32.5	32.6	35.44	35.52	53.83	57.4	30.15	16.1
Enterprise Value Average	160	-144	501	750	861	1,428	1,439	1,675	1,655	1,172	948	912	1,840	3,727	2,060
Enterprise Value High	160	-144	655	892	938	1,556	1,769	1,905	1,879	1,446	1,203	1,226	2,254	4,065	2,122
Enterprise Value Low	160	-144	446	744	865	1,395	1,397	1,677	1,553	1,074	812	786	1,592	3,578	1,971

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Shares Outstanding	14	14	14	15	15	22	27	27	27	24	22	20	19	19	19
Diluted Weighted Avg Shares	6	14	14	15	15	21	25	27	27	26	23	21	19	19	19
Basic Weighted Avg Shares	5	14	13	14	15	21	25	27	27	26	23	21	19	19	19
Revenue per Share	24.36	9.61	21.63	17.52	17.96	18.84	20.63	7.34	7.22	9.08	14.34	15.28	13.46	9.52	2.43
EBITDA per Share	0.74	0.41	0.75	1.04	1.18	0.71	0.64	0.84	0.7	0.69	0.72	0.89	0.97	0.85	0.78
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-6.34	1.12	6.17	1.65	1.5	1.98	2.36	2.57	1.48	0.68	3.5	5.53	3.51	-1.46	-7.65
Basic EPS from Cont Ops	-6.34	1.12	6.17	1.65	1.5	1.98	2.36	1.59	0.97	1.59	3.5	5.53	3.51	-1.46	-7.65
Diluted EPS, GAAP	-5.96	1.12	5.98	1.61	1.49	1.96	2.34	2.54	1.47	0.68	3.47	5.46	3.49	-1.46	-7.65
Diluted EPS from Cont Ops	-5.96	1.12	5.98	1.61	1.49	1.96	2.34	1.57	0.97	1.58	3.47	5.46	3.49	-1.46	-7.65
Dividend per Share	- -	- -	- -	- -	0.11	- -	- -	- -	- -	- -	0.61	1.02	1.42	0.66	- -
Cash Flow per Share	-7.97	6.26	-29.44	21.1	-23.56	0.4	-1.82	5.93	10.6	10.12	-1.12	8.28	11.53	0.43	-2.44
Free Cash Flow per Basic Share	-8.02	6.13	-30.3	19.51	-24.9	-0.59	-2.81	4.34	10.24	10.03	-1.26	8.14	11.17	0.22	-2.46
Cash & Equivalents per Share	13.44	41.31	33.17	2.35	2.06	1.57	2.19	2.71	2.15	2.26	2.54	3.12	3.85	11.48	21.56
Book Value per Share	12.15	5.74	12.35	12.73	13.79	11.79	12.33	13.87	15.29	26.41	29.84	33.24	34.95	33.29	25.68
Tangible Book Value per Share	-5.26	0.64	12.61	6.34	11.28	13.57	14.68	14.78	22.75	21.42	26.2	27.9	22.2	22.6	15.4

HomeStreet, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)