HomeStreet, Inc. (HMST) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, HomeStreet reported revenue of $808.6M, up 968.2% from $75.7M the year before. Net income was $265.7M (a 32.9% net margin), or $1.27 per diluted share. Net interest income was $585.7M, and the efficiency ratio (noninterest expense / revenue) was 58.1%. Operating activities generated $193.6M of cash, leaving $187.1M of free cash flow. At fiscal year end, HomeStreet held $22.35B in total assets against $19.49B in total liabilities, including $1.03B of cash and equivalents.
Open the full interactive HomeStreet financials → Quarterly statements, key ratios, valuation history and price charts.
HomeStreet Key Stats
| Share Price | $14.24 |
|---|---|
| Market Cap | $3.17B |
| P/E Ratio | 11.2 |
| Revenue YoY Growth | +968.2% |
| 52-Week Range | $11.77 – $16.90 |
| Shares Outstanding | 222.3 million (basic, 2026 Q2) |
HomeStreet Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $208.7M | $227.1M | $233.3M | $166.8M | $120.1M | $585.7M |
| Provision for Credit Losses | $20.5M | -$15.8M | -$5.0M | -$441,000 | $0 | $20.5M |
| Noninterest Income | $149.4M | $120.0M | $51.6M | $41.9M | -$44.4M | $222.9M |
| Noninterest Expense | $235.7M | $215.3M | $205.4M | $241.9M | $196.2M | $469.6M |
| Revenue | $358.0M | $347.0M | $284.9M | $208.7M | $75.7M | $808.6M |
| Pre-Tax Income | $80.0M | $115.4M | $84.7M | -$32.8M | -$120.5M | $319.6M |
| Income Tax | $21.9M | $31.3M | $18.1M | -$5.2M | $23.8M | $53.8M |
| Net Income | $80.0M | $115.4M | $66.5M | -$27.5M | -$144.3M | $265.7M |
| Diluted EPS | $3.47 | $5.46 | $3.49 | -$1.46 | -$7.65 | $1.27 |
HomeStreet Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $255.4M | $458.8M | $200.1M | $201.0M |
| Net Income | $55.2M | $219.5M | $44.1M | $57.7M |
| Diluted EPS | $0.26 | $1.05 | $0.20 | $0.26 |
HomeStreet Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $58.0M | $65.2M | $72.8M | $215.7M | $406.6M | $1.03B |
| Loans (Net) | — | — | $7.38B | $7.38B | $6.19B | $14.02B |
| Total Assets | $7.24B | $7.20B | $9.36B | $9.39B | $8.12B | $22.35B |
| Deposits | $5.82B | $6.15B | $7.45B | $6.76B | $6.41B | $19.02B |
| Total Long-Term Debt | $125.8M | $126.0M | $224.4M | $224.8M | $225.1M | $192.0M |
| Total Liabilities | $6.52B | $6.49B | $8.80B | $8.85B | $7.73B | $19.49B |
| Shareholders' Equity | $717.8M | $715.3M | $562.1M | $538.4M | $397.0M | $2.86B |
HomeStreet Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | -$25.5M | $173.0M | $218.3M | $8.0M | -$45.9M | $193.6M |
| Cash From Investing | -$232.6M | -$125.6M | -$2.65B | $484.0M | $1.33B | $1.55B |
| Cash From Financing | $258.3M | -$40.2M | $2.44B | -$349.2M | -$1.10B | -$1.71B |
| Free Cash Flow | -$28.8M | $170.1M | $211.5M | $4.2M | -$46.4M | $187.1M |
Figures from HomeStreet's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full HomeStreet financials page for every line item.
HomeStreet Company Profile
| Ticker | HMST |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Walnut Creek, California |
| Incorporated in | Washington |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer, smaller reporting company |
| SEC CIK | 0001518715 |
Frequently Asked Questions
What was HomeStreet's revenue in fiscal 2025?
HomeStreet (HMST) reported revenue of $808.6M for fiscal 2025.
What is HomeStreet's annual revenue history?
HomeStreet's annual revenue by fiscal year: 2020: $358.0M; 2021: $347.0M; 2022: $284.9M; 2023: $208.7M; 2024: $75.7M; 2025: $808.6M.
What was HomeStreet's net income in fiscal 2025?
HomeStreet reported net income of $265.7M for fiscal 2025.
What was HomeStreet's earnings per share (EPS) in fiscal 2025?
HomeStreet's diluted EPS was $1.27 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did HomeStreet generate in fiscal 2025?
HomeStreet generated $187.1M of free cash flow in fiscal 2025.
What was HomeStreet's revenue last quarter?
In its most recent reported quarter (2026 Q2), HomeStreet reported revenue of $201.0M.
How much debt does HomeStreet have?
HomeStreet reported $192.0M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of HomeStreet are outstanding?
HomeStreet reported a weighted average of 222.3 million basic shares outstanding in 2026 Q2.
What is HomeStreet's market cap?
Based on its latest closing price, HomeStreet (HMST) has a market capitalization of about $3.17B.
When does HomeStreet's fiscal year end?
HomeStreet's fiscal year end, as registered with the SEC, is December 31.
Where is HomeStreet headquartered?
HomeStreet lists its business address in Walnut Creek, California in its SEC filings.