HomeCompareHMST vs GIS

HMST vs GIS: Dividend Comparison 2026

HMST yields 14.42% · GIS yields 6.53%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 HMST wins by $5428538.19M in total portfolio value
10 years
HMST
HMST
● Live price
14.42%
Share price
$13.87
Annual div
$2.00
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$5428538.27M
Annual income
$5,357,167,641,737.20
Full HMST calculator →
GIS
GIS
● Live price
6.53%
Share price
$37.22
Annual div
$2.43
5Y div CAGR
22.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$78.8K
Annual income
$16,211.26
Full GIS calculator →

Portfolio growth — HMST vs GIS

📍 HMST pulled ahead of the other in Year 1

Annual dividend income

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Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodHMSTGIS
2008–2009
GFC
— No data— No data
2020 Q1–Q2
COVID
— No data— No data
2022 Q4
Rate Hike
— No data— No data
Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.
📅

Dividend Calendar Overlap

Combined, HMST + GIS cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
HMST pays
GIS pays
Both pay
Neither
💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

HMST
Annual income on $10K today (after 15% tax)
$1,225.67/yr
After 10yr DRIP, annual income (after tax)
$4,553,592,495,476.62/yr
GIS
Annual income on $10K today (after 15% tax)
$554.94/yr
After 10yr DRIP, annual income (after tax)
$13,779.57/yr
At 15% tax rate, HMST beats the other by $4,553,592,481,697.05/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of HMST + GIS for your $10,000?

HMST: 50%GIS: 50%
100% GIS50/50100% HMST
Portfolio after 10yr
$2714269.17M
Annual income
$2,678,583,828,974.23/yr
Blended yield
98.69%
📊

Analyst Conviction Gap

Where Wall Street is split right now

HMST
Analyst Ratings
3
Buy
7
Hold
Consensus: Hold
Price Target
$13.50
-2.7% upside vs current
Range: $13.50 — $13.50
Altman Z
1.1
Piotroski
7/9
GIS
Analyst Ratings
9
Buy
19
Hold
6
Sell
Consensus: Hold
Price Target
$47.42
+27.4% upside vs current
Range: $35.00 — $63.00
Altman Z
2.2
Piotroski
6/9
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HMST buys
0
GIS buys
0
No recent congressional trades found for HMST or GIS in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHMSTGIS
Forward yield14.42%6.53%
Annual dividend / share$2.00$2.43
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%22.8%
Portfolio after 10y$5428538.27M$78.8K
Annual income after 10y$5,357,167,641,737.20$16,211.26
Total dividends collected$5423758.34M$50.8K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldHold
Analyst price target$13.50$47.42

Year-by-year: HMST vs GIS ($10,000, DRIP)

YearHMST PortfolioHMST Income/yrGIS PortfolioGIS Income/yrGap
1← crossover$13,584$2,883.92$11,502$801.73+$2.1KHMST
2$21,857$7,322.42$13,365$1,058.29+$8.5KHMST
3$45,410$22,022.72$15,712$1,411.34+$29.7KHMST
4$134,110$85,521.08$18,716$1,904.17+$115.4KHMST
5$615,592$472,094.19$22,629$2,603.16+$593.0KHMST
6$4,709,171$4,050,487.51$27,826$3,612.21+$4.68MHMST
7$62,955,705$57,916,892.81$34,871$5,097.54+$62.92MHMST
8$1,514,607,910$1,447,245,305.76$44,643$7,331.52+$1514.56MHMST
9$66,701,522,169$65,080,891,704.62$58,541$10,772.15+$66701.46MHMST
10$5,428,538,270,458$5,357,167,641,737.20$78,850$16,211.26+$5428538.19MHMST

HMST vs GIS: Complete Analysis 2026

HMSTStock

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.

Full HMST Calculator →

GISConsumer Staples

General Mills, Inc. manufactures and markets branded consumer foods worldwide. The company operates in five segments: North America Retail; Convenience Stores & Foodservice; Europe & Australia; Asia & Latin America; and Pet. It offers ready-to-eat cereals, refrigerated yogurt, soup, meal kits, refrigerated and frozen dough products, dessert and baking mixes, bakery flour, frozen pizza and pizza snacks, snack bars, fruit and salty snacks, ice cream, nutrition bars, wellness beverages, and savory and grain snacks, as well as various organic products, including frozen and shelf-stable vegetables. It also supplies branded and unbranded food products to the North American foodservice and commercial baking industries; and manufactures and markets pet food products, including dog and cat food. The company markets its products under the Annie's, Betty Crocker, Bisquick, Blue Buffalo, Blue Basics, Blue Freedom, Bugles, Cascadian Farm, Cheerios, Chex, Cinnamon Toast Crunch, Cocoa Puffs, Cookie Crisp, EPIC, Fiber One, Food Should Taste Good, Fruit by the Foot, Fruit Gushers, Fruit Roll-Ups, Gardetto's, Go-Gurt, Gold Medal, Golden Grahams, Häagen-Dazs, Helpers, Jus-Rol, Kitano, Kix, Lärabar, Latina, Liberté, Lucky Charms, Muir Glen, Nature Valley, Oatmeal Crisp, Old El Paso, Oui, Pillsbury, Progresso, Raisin Nut Bran, Total, Totino's, Trix, Wanchai Ferry, Wheaties, Wilderness, Yoki, and Yoplait trademarks. It sells its products directly, as well as through broker and distribution arrangements to grocery stores, mass merchandisers, membership stores, natural food chains, e-commerce retailers, commercial and noncommercial foodservice distributors and operators, restaurants, convenience stores, and pet specialty stores, as well as drug, dollar, and discount chains. The company operates 466 leased and 392 franchise ice cream parlors. General Mills, Inc. was founded in 1866 and is headquartered in Minneapolis, Minnesota.

Full GIS Calculator →
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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.