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Intrinsic value of HomeStreet, Inc. (HMST)

Previous Close$35.64
Intrinsic Value
Upside potential
Previous Close
$35.64
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh20.1 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

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 Western United States. The company offers deposit and insurance products, private banking and cash management services, and other banking services. It provides 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. In addition, the company offers its products and services through bank branches, lending centers, and ATMs, as well as through online, mobile, and telephone banking. As of December 31, 2019, it had a networki of 62 retail deposit branches located in Washington state, Southern California, the Portland, Oregon, and Hawaii; and 4 primary stand-alone commercial lending centers in Central Washington, Southern California, Boise, Idaho, and Salt Lake City, Utah. The company was formerly known as Continental Mortgage and Loan Company. HomeStreet, Inc. was founded in 1921 and is headquartered in Seattle, Washington.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %4.5NaN
Revenue, $361NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m214NaN
Operating income, $m147NaN
EBITDA, $m160NaN
Interest expense (income), $mNaN
Earnings before tax, $m147NaN
Tax expense, $m31NaN
Net income, $m115NaN

BALANCE SHEET

Cash and short-term investments, $m65NaN
Total assets, $m7234NaN
Adjusted assets (=assets-cash), $m7169NaN
Average production assets, $m94NaN
Working capital, $m-585NaN
Total debt, $m167NaN
Total liabilities, $m6519NaN
Total equity, $m715NaN
Debt-to-equity ratio0.234NaN
Adjusted equity ratio0.105NaN

CASH FLOW

Net income, $m115NaN
Depreciation, amort., depletion, $m13NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m45NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-3NaN
Free cash flow, $m48NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-585
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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