HomeStreet, Inc. (MCHB) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does HomeStreet, Inc. Do?
HomeStreet, Inc. operates as the bank holding company for HomeStreet Bank that provides commercial, mortgage, and consumer/retail banking services primarily in the Western United States. The company offers personal and business checking, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit; credit cards; insurance; and treasury management products and services. Its loan products include commercial business and agriculture loans, single family residential mortgages, consumer loans, commercial loans secured by residential and commercial real estate, and construction loans for residential and commercial real estate development, as well as consumer installment loans and permanent loans on commercial real estate and single-family residences. In addition, the company offers its products and services through bank branches, loan production offices, and ATMs, as well as through online, mobile, and telephone banking. As of December 31, 2021, it operated 60 full-service bank branches located in Washington state, Northern and Southern California, the Portland, Oregon, and Hawaii; and five primary stand-alone commercial lending centers in Central Washington, Oregon, Southern California, Idaho, and Utah. HomeStreet, Inc. serves small and medium sized businesses, real estate investors, professional firms, and individuals. The company was formerly known as Continental Mortgage and Loan Company. HomeStreet, Inc. was incorporated in 1921 and is headquartered in Seattle, Washington. HomeStreet, Inc. (MCHB) is classified as a mid-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Mark K. Mason and employs approximately 940 people, headquartered in SEATTLE, Washington. With a market capitalization of $3.3B, MCHB is one of the notable companies in the Financials sector.
HomeStreet, Inc. (MCHB) Stock Rating — Hold (April 2026)
As of April 2026, HomeStreet, Inc. receives a Hold rating with a composite score of 40.0/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.MCHB ranks #1,324 out of 4,446 stocks in our coverage universe. Within the Financials sector, HomeStreet, Inc. ranks #402 of 891 stocks, placing it in the upper half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
MCHB Stock Price and 52-Week Range
HomeStreet, Inc. (MCHB) currently trades at $15.29. The stock lost $0.14 (0.9%) in the most recent trading session. The 52-week high for MCHB is $16.02, which means the stock is currently trading -4.6% from its annual peak. The 52-week low is $12.52, putting the stock 22.1% above its annual trough. Recent trading volume was 449K shares, suggesting relatively thin trading activity.
Is MCHB Overvalued or Undervalued? — Valuation Analysis
HomeStreet, Inc. (MCHB) carries a value factor score of 44/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 38.15x, compared to the Financials sector average of 14.88x — a premium of 156%. The price-to-book ratio stands at 1.19x, versus the sector average of 1.22x. The price-to-sales ratio is 12.92x, compared to 0.90x for the average Financials stock. On an enterprise value basis, MCHB trades at 27.34x EV/EBITDA, versus 3.26x for the sector.
Overall, MCHB's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.
HomeStreet, Inc. Profitability — ROE, Margins, and Quality Score
HomeStreet, Inc. (MCHB) earns a quality factor score of 39/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 3.1%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.4% versus the sector average of 1.2%.
On a margin basis, HomeStreet, Inc. reports gross margins of 0.0%. The operating margin is 363.2% (sector: 21.8%). Net profit margin stands at 113.1%, versus 17.7% for the average Financials stock. Revenue growth is running at -71.1% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.
MCHB Debt, Balance Sheet, and Financial Health
HomeStreet, Inc. has a debt-to-equity ratio of 7.0%, compared to the Financials sector average of 121.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 1.14x, suggesting adequate working capital coverage. Total debt on the balance sheet is $190M. Cash and equivalents stand at $1.44B.
MCHB has a beta of 0.80, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for HomeStreet, Inc. is 76/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.
HomeStreet, Inc. Revenue and Earnings History — Quarterly Trend
In TTM 2026, HomeStreet, Inc. reported revenue of $255M and earnings per share (EPS) of $0.26. Net income for the quarter was $86M. Gross margin was 0.0%. Operating income came in at $89M.
In Q3 2025, HomeStreet, Inc. reported revenue of $12M and earnings per share (EPS) of $0.26. Net income for the quarter was $55M. Revenue grew -91.6% year-over-year compared to Q3 2024. Operating income came in at $45M.
In Q2 2025, HomeStreet, Inc. reported revenue of $49M and earnings per share (EPS) of $-0.23. Net income for the quarter was $-4M. Gross margin was 69.2%. Revenue grew 14.1% year-over-year compared to Q2 2024. Operating income came in at $15M.
In Q1 2025, HomeStreet, Inc. reported revenue of $45M and earnings per share (EPS) of $-0.24. Net income for the quarter was $-4M. Gross margin was 73.2%. Revenue grew 9.0% year-over-year compared to Q1 2024. Operating income came in at $12M.
Over the past 8 quarters, HomeStreet, Inc. has demonstrated a growth trajectory, with revenue expanding from $42M to $255M. Investors analyzing MCHB stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
MCHB Dividend Yield and Income Analysis
HomeStreet, Inc. (MCHB) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.
MCHB Momentum and Technical Analysis Profile
HomeStreet, Inc. (MCHB) has a momentum factor score of 39/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 39/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 2/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
MCHB vs Competitors — Financials Sector Ranking and Peer Comparison
Within the Financials sector, HomeStreet, Inc. (MCHB) ranks #402 out of 891 stocks based on the Blank Capital composite score. This places MCHB in the upper half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.
Comparing MCHB against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full MCHB vs S&P 500 (SPY) comparison to assess how HomeStreet, Inc. stacks up against the broader market across all factor dimensions.
MCHB Next Earnings Date
No upcoming earnings date has been announced for HomeStreet, Inc. (MCHB) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy MCHB? — Investment Thesis Summary
HomeStreet, Inc. presents a balanced picture with arguments on both sides. The quality score of 39/100 flags below-average profitability. Momentum is weak at 39/100, a headwind for near-term performance. Low volatility (stability score 76/100) reduces downside risk.
In summary, HomeStreet, Inc. (MCHB) earns a Hold rating with a composite score of 40.0/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on MCHB stock.
Related Resources for MCHB Investors
Explore more research and tools: MCHB vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare MCHB head-to-head with peers: MCHB vs WTM, MCHB vs OPY, MCHB vs ACT.