Hoyne Bancorp, Inc. (HYNE) vs SR Bancorp, Inc. (SRBK)

Hoyne Bancorp, Inc. and SR Bancorp, Inc. are both Banks Regional companies. Hoyne Bancorp, Inc. and SR Bancorp, Inc. are of similar size ($141.4M and $133.0M). SR Bancorp, Inc. has the higher net margin (8.89% vs 1.14%) and the higher return on invested capital (2.08% vs 0.02%). Across the 12 metrics below, SR Bancorp, Inc. leads on 9 and Hoyne Bancorp, Inc. on 3.

Valuation

Metric HYNE SRBK Banks Regional median
P/E — 32.53 12.15
P/S 5.39 2.73 2.37
P/B 0.76 0.77 1.21
Price to free cash flow n/m 18.45 10.80
EV/EBITDA n/m n/m —
EV/Sales 4.24 2.40 2.27
Earnings yield — 3.07% 8.11%
Free cash flow yield (3.50%) 5.42% 8.98%

Profitability

Metric HYNE SRBK Banks Regional median
Gross margin 77.92% 65.81% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 1.14% 8.89% 18.66%
Free cash flow margin (18.89%) 14.77% 21.18%
Return on equity 0.21% 2.44% 10.64%
Return on assets 0.11% 0.42% 1.13%
Return on invested capital 0.02% 2.08% 8.33%

Growth

Metric HYNE SRBK Banks Regional median
Revenue growth (TTM) — 18.26% 6.61%
EPS growth (last fiscal year) — 138.25% —
Revenue growth, 5-year CAGR — 27.62% 12.30%
Net income growth, 5-year CAGR — 22.38% 9.71%

Health

Metric HYNE SRBK Banks Regional median
Debt to equity 0.00 0.27 0.22
Current ratio 0.98 1.04 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HYNE SRBK Banks Regional median
Dividend yield — — 3.75%
Payout ratio — — 0.27

Size

Metric HYNE SRBK Banks Regional median
Market cap 133.03m 141.36m 921.07m

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