Hoyne Bancorp, Inc.

HYNE Financial Banks Regional

Hoyne Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $21.6 million, up 20.7% from fiscal 2024.

Revenue
+11.4%
Free cash flow
−140.8%

Quarter to June 2026, against a year earlier

18.06 0.61 −3.27%
Market cap
$151.2M
P/E
—
Fwd P/E
—
Dividend yield
—
F-score
n/a
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a

Insider Decisions last twelve months

Bought, $m 2.49
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 10 — — — — 1 2 — 2 — — —
Sell — — — — — — — — — — — —
Insider Ownership 0.00%

Capital & Financial Ratios $m

Size
Market Cap 151.16
Revenue ttm 22.74
Net income ttm 0.26
Free cash flow ttm (4.29)
Net debt Q (26.25)
Valuation
P/E —
Forward P/E —
Price / sales 6.15
Forward P/S Powerpack
Price / FCF 0.00
Price / book 0.87
Financial health
Current ratio Q 0.98
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +11.37% (above 0%: growing)
Operating income growth Q −23.16% (below 0%: shrinking)
EPS, this year —
EPS, next year A —
Revenue, next year A —
EPS, past 5 yrs —
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash — 17 48 26
Receivables — — — —
Inventory — — — —
Other — — — —
— 259 318 310
2023 2024 2025 Q'26
Payables — 361 325 316
ST’ Debt — — — —
Other — — — —
— 361 325 316

Compound Annual Growth %

10y 5y 3y
Sales — — —
Cash Flow — — —
Earnings — — —
Book Value — — —

EPS $

Mar Jun Sep Dec Year
’26 (0.02) 0.01 — — —
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 6 6 — — —
’25 5 5 5 6 22
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (1) 0 — — —
’25 1 2 (3) 1 1
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (1) (1) — — —
’25 1 2 (3) 1 0
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — — — — — — — — 18 22 23 +20.7% — — — —
Gross margin, % — — — — — — — — 60.37 70.89 77.92 +10.5 pt
EBT — — — — — — — — (3) 0 0 n/m
EBT margin, % — — — — — — — — (16.74) 0.04 0.14 +16.8 pt
Net income — — — — — — — — (2) 0 0 n/m
Per share, $
Per share, $ Revenue — — — — — — — — 0.00 2.90 3.05 n/m
Earnings — — — — — — — — — 0.03 — —
Cash flow — — — — — — — — 0.00 0.17 (0.37) n/m
Capex — — — — — — — — 0.00 (0.14) (0.20) n/m
Free cash flow — — — — — — — — 0.00 0.03 (0.58) n/m
Book value — — — — — — — — 0.00 21.66 21.60 n/m
Shares, m — — — — — — — — — 7 — —
Valuation, ×
Valuation, × P/E — — — — — — — — — — — —
P/S — — — — — — — — 0.00 0.00 6.15 0.0
P/B — — — — — — — — 0.00 0.00 0.87 0.0
EV/Sales — — — — — — — — (1.40) (2.25) — (1.8)
EV/FCF — — — — — — — — 12.80 (239.93) — (113.6)
Cash, $m
Cash, $m Operating cash flow — — — — — — — — (3) 1 (3) n/m
Capex — — — — — — — — (1) (1) (2) +6.6%
Free cash flow — — — — — — — — (4) 0 (4) n/m
Balance, $m
Balance, $m Working capital — — — — — — — — (102) (7) (6) (93.0%)
Net debt — — — — — — — — (17) (48) (26) +190.6%
Shareholders’ equity — — — — — — — — 86 161 161 +88.0%
Returns, %
Returns, % ROA — — — — — — — — 0.00 0.05 0.11 +0.1 pt
ROIC — — — — — — — — (2.70) 0.00 0.02 +2.7 pt
ROE — — — — — — — — 0.00 0.19 0.21 +0.2 pt
People
People Employees — — — — — — — — — 61 — —
Revenue/emp, $m — — — — — — — — 0.00 0.35 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 25 Oct 2026

Hoyne Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FINW FinWise Bancorp $187.9M 13.5× 19.5× +98.06% (above 0%: growing) −48.39% (below 0%: shrinking) −43.89% (below 0%: shrinking) 91.22% 0.00% Compare
BAFN BayFirst Financial Corp. $179.3M — (loss-making) — −70.88% (below 0%: shrinking) n/m −99.45% (below 0%: shrinking) 27.34% 0.00% Compare
EBMT Eagle Bancorp Montana, Inc. $166.3M 10.6× 10.6× +1.67% (above 0%: growing) −19.15% (below 0%: shrinking) +45.65% (above 0%: growing) 75.79% 0.00% Compare
MNSB MainStreet Bank $154.1M 10.6× 10.7× −6.70% (below 0%: shrinking) +9.43% (above 0%: growing) +286.64% (above 0%: growing) 57.99% 0.00% Compare
HNVR Hanover Bancorp, Inc. $153.7M 17.0× 11.4× −2.10% (below 0%: shrinking) +66.67% (above 0%: growing) +972.77% (above 0%: growing) 56.13% 0.00% Compare
HYNE Hoyne Bancorp, Inc. $151.2M — — +11.37% (above 0%: growing) — −140.80% (below 0%: shrinking) 83.07% 0.00%
LSBK Lake Shore Bancorp, Inc. $145.7M 16.6× — +2.32% (above 0%: growing) +16.05% (above 0%: growing) +60.67% (above 0%: growing) 75.39% 0.00% Compare
MGYR Magyar Bancorp, Inc. $142.1M 11.4× 10.6× +9.88% (above 0%: growing) +25.00% (above 0%: growing) +84.11% (above 0%: growing) 63.70% 0.00% Compare
SRBK SR Bancorp, Inc. $134.0M 42.2× 20.3× −1.47% (below 0%: shrinking) −51.91% (below 0%: shrinking) +141.06% (above 0%: growing) 63.94% 0.00% Compare
Median of peers $153.9M 13.5× 11.1× +0.10% +9.43% +72.39% 63.82% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 23 April 2026

Ownership

Directors and executive officers, together 3.20%
Hoyne Savings Bank ESOP Trust 8.00%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Hoyne Bancorp, Inc. (HYNE) Latest News

stockrow.com/HYNE · Data as of Oct 25, 2026 · For information only; not investment advice. · © 2026 stockrow.com