Hoyne Bancorp, Inc. (HYNE) AI Stock Analysis
HYNE AI stock analysis summary
AI ResearchHoyne Bancorp, Inc. (HYNE) operates as the bank holding company for Hoyne Savings Bank, with a market capitalization of $125.6M. The company increased revenue by 16.9% in FY2025 to $21.6M, returning to positive net income of $232,690. Over the trailing twelve months ended June 30, 2026, revenue stood at $17.2M, supported by a net cash position of $25.0M.
- Market cap
- $125.6M
- Revenue (TTM)
- $17.2M
- P/E
- 336.6x
- 1Y return
- — S&P 500 16.8%
- Avg. target
- —
Bull case
- Revenue increased at a 2-year CAGR of 15.9% to reach $21.6M in FY2025.
- The balance sheet carries minimal leverage, with $25.0M in net cash and total debt of only $337,661 as of June 30, 2026.
- The stock trades at a price-to-book ratio of 0.8x relative to $161.1M in shareholders' equity.
Bear case
- The company trades at a trailing P/E ratio of 336.6x, significantly above the US-listed Financial Services peer median of 12.1x.
- Profitability metrics are thin, including a trailing twelve-month profit margin of 1.5% and return on equity of 0.2%.
- Operating cash flow was negative in earlier years at -$1.9M in FY2023 and -$2.8M in FY2024 before recovering to $1.2M in FY2025.
What Hoyne Bancorp does
Hoyne Bancorp, Inc. operates as the bank holding company for Hoyne Savings Bank, providing various financial products and services in the United States. Founded in 1887 and based in Oak Park, Illinois, the company has 61 employees. Its product offerings include money market, checking, savings, and certificates of deposit accounts, as well as individual retirement accounts. On the lending side, the institution provides commercial real estate loans, business lines of credit, business loans, and construction loans.
Growth and profitability
Hoyne Bancorp grew annual revenue from $16.1M in FY2023 to $18.5M in FY2024, and reached $21.6M in FY2025, representing a 2-year revenue CAGR of 15.9%. Gross margin was 72.2% in FY2023, 59.1% in FY2024, and 68.4% in FY2025. Operating margin improved from -11.8% in FY2023 and -13.1% in FY2024 to 0.0% in FY2025. Net income shifted from $1.5M in FY2023 to -$1.5M in FY2024, then recovered to $232,690 in FY2025, generating EPS of $0.03. For the trailing twelve months, revenue was $17.2M with an operating margin of 4.1% and a profit margin of 1.5%, while quarterly revenue grew 36.1% year-over-year in the latest quarter ending June 30, 2026.
Balance sheet and cash flow
As of June 30, 2026, Hoyne Bancorp reported cash and short-term investments of $25.4M and total debt of $337,661, resulting in net cash of $25.0M. Shareholders' equity was $161.1M against total assets of $480.0M, with a debt-to-equity ratio of 0.00 and a current ratio of 693.87. Operating cash flow reached $1.2M in FY2025, generating free cash flow of $201,990 after capital expenditures of $1.0M. In FY2025, the company deployed $6.5M into share buybacks.
Valuation and performance
Hoyne Bancorp trades at a trailing P/E of 336.6x, compared to the median of 12.1x for its US-listed Financial Services peers. Its price-to-sales multiple of 7.3x and enterprise value-to-revenue multiple of 6.9x also exceed the peer median price-to-sales multiple of 3.2x. However, the company trades at a price-to-book multiple of 0.8x based on $161.1M in shareholders' equity. At the last close of $16.83 on October 16, 2026, the stock sat near its 52-week high of $16.86 and showed a year-to-date return of 16.1%, compared to a 1-year return of 16.8% for the S&P 500 (SPY).
What analysts expect
Hoyne Bancorp's next earnings report is scheduled for November 10, 2026. The stock closed at $16.83 on October 16, 2026, trading 7.3% above its 200-day average. The company has a total market capitalization of $125.6M, with insider ownership at 11.2%, institutional holdings at 24.5%, and short interest accounting for 3.3% of the float.
Key risks and what to watch
- Net income has shown sharp fluctuations, falling from $1.5M in FY2023 to -$1.5M in FY2024 before reaching $232,690 in FY2025.
- Operating margin of 0.0% in FY2025 remains below the peer median operating margin of 37.7% for US-listed Financial Services.
- Return on assets was limited to 0.1% over the trailing twelve months ended June 30, 2026.
AI-generated research summary. Written with AI from Quotelinks data as of October 16, 2026 and checked so every figure matches that data. For information only, not investment advice. Disclaimer
About this HYNE AI stock analysis
This page is an AI-written research summary of Hoyne Bancorp, Inc. (HYNE). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.
Related: HYNE income statement, HYNE balance sheet, HYNE key metrics, HYNE chart. See the HYNE stock overview for the latest quote and news.
HYNE AI stock analysis FAQ
What does Hoyne Bancorp do?
Hoyne Bancorp, Inc. is the bank holding company for Hoyne Savings Bank, offering deposit products like checking, savings, and certificates of deposit, along with commercial real estate, business, and construction loans.
When is Hoyne Bancorp's next earnings date?
Hoyne Bancorp is scheduled to release its next financial results on November 10, 2026.
How much debt does Hoyne Bancorp have?
As of June 30, 2026, the company held $337,661 in total debt alongside $25.4M in cash and short-term investments, resulting in net cash of $25.0M and a debt-to-equity ratio of 0.00.
What are Hoyne Bancorp's key valuation metrics?
Hoyne Bancorp has a market capitalization of $125.6M, a trailing P/E ratio of 336.6x, a price-to-sales ratio of 7.3x, and a price-to-book ratio of 0.8x.