Hoyne Bancorp, Inc. HYNE
FinancialsBanking ServicesUnited States of America
Last close 18.80 USD on Nov 1, 2026, +29.7% year to date
Quant rating
- Growth D 609 of 799
- Valuation D 697 of 799
- Quality D 700 of 799
- Revisions D 617 of 799
- Momentum B 123 of 799
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Subscribe to access the complete report for Hoyne Bancorp, Inc.: quant scores, valuation history, consensus estimates, peers and six years of financial statements.
Historical valuation
Multiples use consensus estimates for the next twelve months. The dashed line is the 5-year average.
Growth and profitability
| 2025 | 2024 | 2023 | 2022 | 2021 | 5Y avg | |
|---|---|---|---|---|---|---|
| Revenue (mil) | 20.4 | 16.8 | 15.4 | – | – | – |
| Revenue growth | 21.2% | 8.9% | – | – | – | – |
| EPS (basic, normalized) | 0.03 | −0.24 | 0.18 | – | – | – |
| EPS growth | – | – | – | – | – | – |
| Gross margin | – | – | – | – | – | – |
| Net margin | 1.1% | −11.7% | 9.7% | – | – | −0.3% |
| ROE | – | – | – | – | – | – |
| Cash & short-term investments (mil) | – |
|---|---|
| Tier 1 risk-adjusted capital ratio | 27.3% |
| Long-term debt (mil) | 0 |
| Net debt (mil) | – |
| Total equity (mil) | 161 |
| Net debt / equity | – |
Estimates and valuation
| Sales (mil) | Book value per share | EPS | |||||||
|---|---|---|---|---|---|---|---|---|---|
| Fiscal year | Mean est. | Growth | EV/Sales | Mean est. | Growth | P/B | Mean est. | Growth | P/E |
| 2025 actual | 20.4 | +21.2% | 6.2x | – | – | – | – | – | – |
Estimate revisions
| Sales | EPS | |||||||
|---|---|---|---|---|---|---|---|---|
| Fiscal year | Estimate (mil) | 1M | 3M | 6M | Estimate | 1M | 3M | 6M |
| 2026 | – | – | – | – | – | – | – | – |
| 2027 | – | – | – | – | – | – | – | – |
| 2028 | – | – | – | – | – | – | – | – |
Earnings surprises
| FQ-9 | FQ-8 | FQ-7 | FQ-6 | FQ-5 | FQ-4 | FQ-3 | FQ-2 | FQ-1 | FQ0 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales reported (mil) | – | – | – | – | – | – | – | – | – | – |
| Sales mean (mil) | – | – | – | – | – | – | – | – | – | – |
| Surprise | – | – | – | – | – | – | – | – | – | – |
| EPS reported | – | – | – | – | – | – | – | – | – | – |
| EPS mean | – | – | – | – | – | – | – | – | – | – |
| Surprise | – | – | – | – | – | – | – | – | – | – |
FQ0 is the most recent reported quarter, FQ-1 the one before, and so on.
Peer comparison Banking Services
| Company | Market cap | Tier 1 ratio | Net margin | Deposits/loans | FY1 P/E | FY2 P/E | FY1 P/B | FY2 P/B |
|---|---|---|---|---|---|---|---|---|
| HYNE Hoyne Bancorp, Inc. | 152M | 27.3% | 1.1% | 1.20x | – | – | – | – |
| UBAB United Bancorporation of Alabama Inc | 189M | – | 5.0% | 1.53x | – | – | – | – |
| BERK Berkshire Inc Bancorp | 179M | – | 14.1% | 1.81x | – | – | – | – |
| CNBW CNB Corp | 171M | 14.3% | 20.1% | 1.65x | – | – | – | – |
| TYCB Calvin B Taylor Bankshares Inc | 153M | – | – | 1.86x | – | – | – | – |
| AMBK American Bank Inc | 166M | – | 29.3% | 0.93x | – | – | – | – |
| Mean | 20.8% | 13.9% | 1.50x | – | – | – | – | |
| Median | 20.8% | 14.1% | 1.59x | – | – | – | – |
Technical analysis
- 1M+14.6%
- 3M+12.8%
- 1Y+34.3%
- 3Y+34.3%
Financial statements in millions of USD
Income statement in millions of USD, fiscal years
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Interest income | 20.4 | 16.8 | 15.4 | – | – | – |
| Total interest expense | 6.3 | 7.1 | 4.5 | – | – | – |
| Net interest income | 14.1 | 9.7 | 10.9 | – | – | – |
| Loan loss provision | 0.5 | 0.5 | 0 | – | – | – |
| Net interest income after loan loss provision | 13.5 | 9.2 | 10.9 | – | – | – |
| Non-interest income | 1.2 | 1.1 | 0.6 | – | – | – |
| Non-interest expense | −14.8 | −13.3 | −13.5 | – | – | – |
| Net income before taxes | 0 | −3.0 | −1.9 | – | – | – |
| Provision for taxes | −0.2 | −1.0 | −3.4 | – | – | – |
| Minority interest & equity in affiliates | – | – | – | – | – | – |
| Other | 0 | 0 | 0 | – | – | – |
| Net income before extraordinary items | 0.2 | −2.0 | 1.5 | – | – | – |
| Extraordinary items | – | – | – | – | – | – |
| Net income | 0.2 | −2.0 | 1.5 | – | – | – |
| Basic weighted average shares (mil) | 7.5 | 8.1 | 8.1 | – | – | – |
| Diluted weighted average shares (mil) | 7.5 | 8.1 | 8.1 | – | – | – |
| Basic EPS excluding extraordinary items | 0.03 | −0.24 | 0.18 | – | – | – |
| Basic EPS, normalized | 0.03 | −0.24 | 0.18 | – | – | – |
Balance sheet in millions of USD, fiscal years
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Cash & due from banks | 47.6 | 15.3 | 24.7 | – | – | – |
| Other earning assets | 153 | 171 | 210 | – | – | – |
| Net loans | 268 | 241 | 191 | – | – | – |
| Property, plant & equipment | 7.4 | 7.7 | 7.6 | – | – | – |
| Goodwill | – | – | – | – | – | – |
| Intangibles | 0.1 | 0.3 | 0.5 | – | – | – |
| Long-term investments | – | – | – | – | – | – |
| Other long-term assets | 9.4 | 10.8 | 9.6 | – | – | – |
| Other assets | 3.9 | 3.3 | 3.2 | – | – | – |
| Total assets | 489 | 450 | 446 | – | – | – |
| Liabilities | ||||||
| Accounts payable | – | – | – | – | – | – |
| Payable/accrued | 3.4 | 3.6 | 3.4 | – | – | – |
| Accrued expenses | – | – | – | – | – | – |
| Total deposits | 322 | 357 | 353 | – | – | – |
| Other bearing liabilities | – | – | – | – | – | – |
| Short-term borrowings | – | – | – | – | – | – |
| Current portion of long-term debt | – | – | – | – | – | – |
| Long-term debt | 0 | 0 | 0 | – | – | – |
| Minority interest | – | – | – | – | – | – |
| Other liabilities | 3.1 | 2.8 | 2.1 | – | – | – |
| Total liabilities | 328 | 364 | 358 | – | – | – |
| Shareholders' equity | ||||||
| Preferred stock | – | – | – | – | – | – |
| Common stock | 0.1 | – | – | – | – | – |
| Additional paid-in capital | 77.2 | – | – | – | – | – |
| Retained earnings (accumulated deficit) | 101 | 102 | 104 | – | – | – |
| Treasury stock | – | – | – | – | – | – |
| Other equity | −17.3 | −15.9 | −15.9 | – | – | – |
| Total equity | 161 | 85.8 | 87.8 | – | – | – |
| Total liabilities & shareholders' equity | 489 | 450 | 446 | – | – | – |
Cash flow statement in millions of USD, fiscal years
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Operating activities | ||||||
| Net income | 0.2 | −2.0 | 1.5 | – | – | – |
| Depreciation, depletion & amortization | 0.8 | 0.9 | 0.6 | – | – | – |
| Deferred taxes | – | – | – | – | – | – |
| Non-cash items | 1.6 | −0.4 | −1.3 | – | – | – |
| Changes in working capital | −1.4 | −1.3 | −2.8 | – | – | – |
| Cash from operations | 1.2 | −2.8 | −1.9 | – | – | – |
| Investing activities | ||||||
| Capital expenditures | −1.0 | −1.0 | −0.7 | – | – | – |
| Other investing cash flows | −1.7 | −10.7 | −0.4 | – | – | – |
| Cash from investing | −2.8 | −11.7 | −1.1 | – | – | – |
| Financing activities | ||||||
| Financing cash flow items | −45.6 | 5.1 | −25.6 | – | – | – |
| Cash dividends paid | – | – | – | – | – | – |
| Issuance (retirement) of debt, net | – | – | – | – | – | – |
| Other financing cash flows | 79.3 | 0 | 0 | – | – | – |
| Cash from financing | 33.8 | 5.1 | −25.6 | – | – | – |
| Foreign exchange effects | – | – | – | – | – | – |
| Net change in cash | 32.3 | −9.3 | −28.7 | – | – | – |
| Free cash flow | 0.2 | −3.8 | −2.7 | – | – | – |
Disclaimer
The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.
This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.
QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.
Live quote provided by TradingView. Report data updated Nov 1, 2026 after market close.