<span item_type="fundamental" item_id="2b6f28308bb31b8c21ccd19c218782f0" counter_id="ST/US/HMST" env="prod"></span><span item_type="announcement" item_id="546517026510671105" env="prod"></span><p>EPS: As of FY2025 Q2, the actual value is USD -0.23, missing the estimate of USD 0.0367.</p><p>EBIT: As of FY2025 Q2, the actual value is USD -4.781 M.</p><p></p><h3>Segment Revenue</h3><ul><li><strong>Interest Income</strong>: Total interest income for the six months ended June 30, 2025, was $168,807 thousand, compared to $203,664 thousand for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1518715/000151871525000110/hmst-20250630.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li><strong>Net Interest Income</strong>: For the six months ended June 30, 2025, net interest income was $67,091 thousand, compared to $61,852 thousand for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1518715/000151871525000110/hmst-20250630.htm"></span></li><li><strong>Net Income (Loss)</strong>: The net loss for the six months ended June 30, 2025, was $8,877 thousand, compared to a net loss of $13,735 thousand for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1518715/000151871525000110/hmst-20250630.htm"></span></li></ul><h3>Cash Flow</h3><ul><li><strong>Net Cash Used in Operating Activities</strong>: For the six months ended June 30, 2025, net cash used in operating activities was $32,290 thousand, compared to $29,596 thousand for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1518715/000151871525000110/hmst-20250630.htm"></span></li><li><strong>Net Cash Provided by Investing Activities</strong>: For the six months ended June 30, 2025, net cash provided by investing activities was $342,619 thousand, compared to $123,044 thousand for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1518715/000151871525000110/hmst-20250630.htm"></span></li></ul><h3>Unique Metrics</h3><ul><li><strong>Allowance for Credit Losses (ACL)</strong>: The ACL for loans was $45,806 thousand as of June 30, 2025, compared to $38,743 thousand as of December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1518715/000151871525000110/hmst-20250630.htm"></span></li></ul><h3>Future Outlook and Strategy</h3><ul><li><strong>Merger Agreement</strong>: On March 28, 2025, HomeStreet, Inc. entered into a definitive merger agreement with Mechanics Bank, expected to close in the third quarter of 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1518715/000151871525000110/hmst-20250630.htm"></span></li></ul>

HMST

Homestreet | 10-Q: FY2025 Q2 EPS Misses Estimate at USD -0.23