ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is HomeStreet, Inc. ?
1
With a Operating Losses, the company has a Weak Long Term Fundamental Strength
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.55% signifying inadequate buffers against its risk based assets
- A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
2
The company has declared Negative results for the last 10 consecutive quarters
- NET PROFIT(9M) At USD -132.2 MM has Grown at -670.69%
- OPERATING CASH FLOW(Y) Lowest at USD -34.1 MM
- GROSS NPA (%)(Q) Highest at 0.93%
3
Risky - Negative EBITDA
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of -13.33%, its profits have fallen by -14110%
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -13.33% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is HomeStreet, Inc. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
HomeStreet, Inc.
27.07%
0.85
58.93%
S&P 500
13.22%
0.96
19.87%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.98%
EBIT Growth (5y)
-221.73%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.61
EV to EBIT
-9.75
EV to EBITDA
-10.32
EV to Capital Employed
0.88
EV to Sales
3.07
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-9.07%
ROE (Latest)
-35.26%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
PRE-TAX PROFIT(Q)
At USD -4.78 MM has Grown at 83.33%
NII(Q)
Highest at USD 33.87 MM
NET PROFIT(Q)
Highest at USD -4.41 MM
EPS(Q)
Highest at USD -0.23
-16What is not working for the Company
NET PROFIT(9M)
At USD -132.2 MM has Grown at -670.69%
OPERATING CASH FLOW(Y)
Lowest at USD -34.1 MM
GROSS NPA (%)
(Q
NET SALES(Q)
Lowest at USD 83.04 MM
Here's what is working for HomeStreet, Inc.
Pre-Tax Profit
At USD -4.78 MM has Grown at 83.33%
over average net sales of the previous four periods of USD -28.68 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD -4.41 MM has Grown at 87.51%
over average net sales of the previous four periods of USD -35.33 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 33.87 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Profit
Highest at USD -4.41 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD -0.23
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for HomeStreet, Inc.
Non Performing Loans (%)
Highest at 0.93% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Cash Flow
Lowest at USD -34.1 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Net Sales
Lowest at USD 83.04 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (USD MM)
Net Sales
At USD 83.04 MM has Fallen at -13.9%
over average net sales of the previous four periods of USD 96.45 MMMOJO Watch
Near term sales trend is very negative
Net Sales (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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