Comparison of PB Bancorp Inc. (PBBI) and HomeStreet Inc. (NASDAQ:HMST)

PB Bancorp Inc. (NASDAQ:PBBI) and HomeStreet Inc. (NASDAQ:HMST) are two firms in the Savings & Loans that compete against each other. Below is a comparison of their risk, institutional ownership, analyst recommendations, profitability, dividends, earnings and valuation.

Valuation & Earnings

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
PB Bancorp Inc. 17.98M 4.40 4.22M 0.59 19.08
HomeStreet Inc. 438.79M 1.89 43.33M 0.92 30.15

We can see in table 1 the earnings per share (EPS), top-line revenue and valuation of PB Bancorp Inc. and HomeStreet Inc. HomeStreet Inc. seems to has higher revenue and earnings compared to PB Bancorp Inc. The business that is more affordable between the two has a lower P/E ratio. PB Bancorp Inc.’s currently lower P/E ratio makes it the more affordable of the two businesses.

Profitability

Table 2 represents PB Bancorp Inc. (NASDAQ:PBBI) and HomeStreet Inc. (NASDAQ:HMST)’s return on equity, return on assets and net margins.

Net Margins Return on Equity Return on Assets
PB Bancorp Inc. 23.47% 5% 0.8%
HomeStreet Inc. 9.87% 8.3% 0.8%

Volatility & Risk

PB Bancorp Inc. is 83.00% less volatile than Standard and Poor’s 500 due to its 0.17 beta. HomeStreet Inc. has a 0.73 beta and it is 27.00% less volatile than Standard and Poor’s 500.

Dividends

The annual dividend that PB Bancorp Inc. pay is $0.27 per share with a dividend yield of 2.4%. No dividend is paid out by HomeStreet Inc.

Analyst Ratings

Recommendations and Ratings for PB Bancorp Inc. and HomeStreet Inc. can be find in next table.

Sell Ratings Hold Ratings Buy Ratings Rating Score
PB Bancorp Inc. 0 0 0 0.00
HomeStreet Inc. 0 0 1 3.00

Competitively HomeStreet Inc. has a consensus price target of $35, with potential upside of 13.56%.

Insider and Institutional Ownership

Roughly 32.3% of PB Bancorp Inc. shares are owned by institutional investors while 80.4% of HomeStreet Inc. are owned by institutional investors. Insiders owned 2.3% of PB Bancorp Inc. shares. On the other hand, insiders owned about 1.8% of HomeStreet Inc.’s shares.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
PB Bancorp Inc. 0.72% 0% 0.45% 0.63% 8.38% 3.33%
HomeStreet Inc. -2.88% -0.97% 3.44% 4.85% 1.21% 30.38%

For the past year PB Bancorp Inc. has weaker performance than HomeStreet Inc.

Summary

HomeStreet Inc. beats on 10 of the 13 factors PB Bancorp Inc.

PB Bancorp, Inc. operates as the holding company of Putnam Bank that provides various banking products and services to individuals and small business customers primarily in Connecticut. It offers a range of deposits, including checking, savings, and money market deposit accounts, as well as negotiable order of withdrawal accounts and fixed-term certificates of deposit. The companyÂ’s loan portfolio comprises residential real estate loans, including one-to four-family mortgage loans, residential construction loans, second mortgage loans, and home equity lines of credit; commercial real estate loans comprising multi-family real estate loans; commercial loans, such as term loans and revolving lines of credit; and consumer and other loans, such as loans on new and used automobiles, loans secured by deposit accounts, and unsecured personal loans. In addition, it invests in securities. As of July 7, 2016, PB Bancorp, Inc. operated through its eight full-service offices and a full-service loan center in Putnam, Connecticut. The company was founded in 1862 and is headquartered in Putnam, Connecticut.

HomeStreet, Inc., together with its subsidiaries, provides various financial services primarily in the Pacific Northwest, California, and Hawaii. The company operates in two segments, Commercial and Consumer Banking, and Mortgage Banking. The Commercial and Consumer Banking segment offers deposit products; non-deposit investment products; and insurance products and cash management services. It also originates 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. This segment provides its products and services through bank branches and ATMs, as well as through online, mobile, and telephone banking. The Mortgage Banking segment originates and purchases single family residential mortgage loans for sale in the secondary market. This segment is also involved in the sale of loans on a servicing-released and servicing-retained basis to securitizers and correspondent lenders. The company also offers insurance products and services for consumers and businesses. As of December 31, 2016, it had a network of 55 retail deposit branches located in Washington state, Southern California, Portland, Oregon, and Hawaii; and 48 primary stand-alone home loan centers and 5 primary commercial lending centers. The company was formerly known as Continental Mortgage and Loan Company. HomeStreet, Inc. was founded in 1921 and is headquartered in Seattle, Washington.

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