HomeStreet, Inc. (HMST) Q4 2024 Earnings Call Transcript


HomeStreet, Inc. (NASDAQ:HMST) Q4 2024 Earnings Conference Call January 28, 2025 1:00 PM ET

Company Participants

Mark K. Mason – Chairman, President and CEO
John M. Michel – EVP and CFO

Conference Call Participants

Woody Lay – KBW
Matthew Clark – Piper Sandler
Timothy Coffey – Janney

Operator

Good afternoon, my name is Breca and I will be your conference operator today. At this time, I would like to welcome everyone to the 4Q 2024 Analyst Earnings Call for HomeStreet Bank.

Presenting on today’s call will be Mark K. Mason, Chairman, President and Chief executive officer of HomeStreet Bank; and John M. Michel, Executive Vice President and Chief Financial Officer. All lines have been placed on mute to prevent any background noise. And after the speakers’ remarks, there will be an analyst question-and-answer session. [Operator Instructions] Thank you.

Mr. Mason. You may begin your conference.

Mark K. Mason

Hello, and thank you for joining us for our fourth quarter 2024 analyst earnings call. Before we begin, I’d like to remind you that our detailed earnings release and our investor presentation were filed with the SEC on Form 8-K yesterday and are available on our website at ir.homestreet.com under the News & Events link. In addition, a recording and a transcript of this call will be available at the same address following our call.

Please note that during our call today, we will make certain predictive statements that reflect our current views, the expectations and uncertainties about the company’s performance and our financial results. These are likely forward-looking statements that are made subject to the safe harbor statements included in yesterday’s earnings release, our Forms 8-K, our investor deck and the risk factors disclosed in our other public filings. Additionally, reconciliations to non-GAAP measures referred to on our call today can be found in our earnings release and



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