HomeStreet, Inc. HMST

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
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Insufficient data

Ranked against 399 peers in Banks - Regional

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Where HMST ranks in Banks - Regional

HomeStreet, Inc. ranks #384 of 393 scored companies in Banks - Regional by moat score — the top 98%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
380 ESSA Bancorp, Inc. ESSA 0/100 Weak
381 Evans Bancorp, Inc. EVBN 0/100 Weak
382 First Bancshares, Inc. FBMS 0/100 Weak
383 Guaranty Bancshares, Inc. GNTY 0/100 Weak
384 HomeStreet, Inc. HMST 0/100 Weak
385 HomeTrust Bancshares, Inc. HTBI 0/100 Weak
386 Old Point Financial Corporation OPOF 0/100 Weak
387 Premier Financial Corp. PFC 0/100 Weak
388 Pacific Premier Bancorp Inc PPBI 0/100 Weak

See every Banks & Lenders company ranked by moat score →

How HMST scores on the Bank Specialized defenses

Deposit Franchise

Not measurable · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Not measurable · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Not measurable · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Not measurable · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Not measurable · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Not measurable · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding HMST's moat

What is HomeStreet, Inc.'s moat score?

HomeStreet, Inc. (HMST) scores 0 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as weak. It ranks #384 of 393 scored companies in Banks - Regional, the top 98%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional.

How does HomeStreet, Inc. compare with other Banks - Regional companies?

HomeStreet, Inc. ranks #384 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are Guaranty Bancshares, Inc. (GNTY) at 0 just above it and HomeTrust Bancshares, Inc. (HTBI) at 0 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is HomeStreet, Inc. scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for HomeStreet, Inc.?

The Bank Specialized template measures 6 defenses, and HMST scores: Deposit Franchise (not measurable), Lending Advantage (not measurable), Capital Strength (not measurable), Cost Discipline (not measurable), Revenue Diversification (not measurable), Risk Management (not measurable). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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