Hoyne Bancorp, Inc. (HYNE) stock analysis
Close on Nov 13, 2026Market cap $154.49MP/E –Yield –
StockData Score
Prices as of Nov 13, 2026How the score works
Weak5 of 30 checks passed
Hoyne Bancorp passes 5 of the 30 checks behind our score; 18 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 1/6
- Growth
- 1/6
- Past performance
- 0/6
- Financial health
- 3/6
- Dividend
- 0/6
What stands out
Well capitalized
Equity is 33.2% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Loans equal 95.3% of deposits, so lending is funded by customer deposits.
P/B below the industry
Hoyne Bancorp's price-to-book of 0.97 is below the Savings Institutions median of 1.04.
Growing faster than the industry
Revenue grew 38.6% over the last twelve months; the Savings Institutions median is 8.4%.
What to watch
P/S above the industry
Hoyne Bancorp's price-to-sales of 8.13 is above the Savings Institutions median of 3.72.
Return on assets under 1%
Return on assets was 0.1%; for a bank or insurer, 1% or more is considered good.
Return on equity below the industry
Hoyne Bancorp's return on equity of 0.3% is below the Savings Institutions median of 5.9%.
Net margin below the industry
Hoyne Bancorp's net margin of 1.9% is below the Savings Institutions median of 21.8%.
Valuation1/6
P/E against its history
Not enough price and earnings history to compare.
P/E against the industry
Needs positive earnings and enough profitable companies in the industry.
P/S above the industry
Hoyne Bancorp's price-to-sales of 8.13 is above the Savings Institutions median of 3.72.
P/B below the industry
Hoyne Bancorp's price-to-book of 0.97 is below the Savings Institutions median of 1.04.
Price against fair value
We could not estimate a fair value: it needs at least two valuation methods with positive inputs.
Margin of safety
Depends on the fair value estimate.
Growth1/6
Revenue growth over 3 years
Needs three years of positive revenue.
EPS growth over 3 years
Needs positive EPS three years ago and today.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growing faster than the industry
Revenue grew 38.6% over the last twelve months; the Savings Institutions median is 8.4%.
Company guidance
No outlook found in earnings releases from the last twelve months.
Gross margin trend
Banks and insurers do not report gross profit.
Past performance0/6
Return on equity
Needs positive equity and five years of results.
Return on assets under 1%
Return on assets was 0.1%; for a bank or insurer, 1% or more is considered good.
Return on equity below the industry
Hoyne Bancorp's return on equity of 0.3% is below the Savings Institutions median of 5.9%.
Earnings over 5 years
Needs positive net income five years ago and in the latest year.
Net margin against its history
Needs five years of revenue and net income.
Net margin below the industry
Hoyne Bancorp's net margin of 1.9% is below the Savings Institutions median of 21.8%.
Financial health3/6
Well capitalized
Equity is 33.2% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Loans equal 95.3% of deposits, so lending is funded by customer deposits.
Adequate loan-loss reserve
The allowance for credit losses is 1.0% of loans; we look for at least 1%.
High cost base
Non-interest expense takes 96.1% of revenue; under 60% is efficient for a bank.
Deposits shrinking
Deposits fell 13.4% over the past year.
Borrowings
Needs debt and equity figures.
Dividend0/6
No dividend
Hoyne Bancorp has not paid a dividend in the last twelve months.
Yield against Treasuries
No dividend.
Yield against the market
No dividend.
Dividend stability
No dividend.
Earnings cover
No dividend.
Cash-flow cover
No dividend.
Fair value
How we estimate itWe don't publish a fair value for Hoyne Bancorp. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.
Valuation over time
Using the earnings and balance sheet published at each date, not today's.
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Market risk
From the past year of daily prices.
Liquidity
High risk
- Average value traded per day
- $292.89K
- Value traded per 1% price move
- $202.11K
Downside
Low risk
- Typical loss in a bad month
- 2.6%
- Volatility (annualized)
- 16%
- Sharpe ratio, 1 year
- 2.10
- Beta to the S&P 500 (5Y)
- –
Margins
Share of revenue, fiscal years 2023 to 2025
Net margin
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +41.8% | – | – | – |
Returns and balance sheet
3 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2023 | FY2023 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | – | 0.2% | |
| Capex to revenue | – | – | 6.8% |
Cash use needs five years of cash flow figures
Hoyne Bancorp does not report operating cash flow and capital expenditure for each of the last five fiscal years.
DuPont analysis
Return on equity split into margin, efficiency and leverage
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 1.5% | 0.03× | 3.80× | 0.2% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
- ProfitableNet income above zero$232.69K
- Cash generatingOperating cash flow above zero$1.25M
- Return on assets improvedROA up on the prior year– → 0.1%
- Earnings backed by cashOperating cash flow above net income$1.25M vs $232.69K
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise– → 7M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose– → 0.03
See a number that looks wrong?