Hoyne Bancorp, Inc. Common Stock (HYNE) Stock

Hoyne Bancorp, Inc. Common Stock (HYNE) is a Financials stock trading at $16.41 (as of 2026-09-02), with a market capitalization of $132.87M and a trailing P/E of 514.3. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Hoyne Bancorp, Inc. operates as the bank holding company for Hoyne Savings Bank, offering deposit accounts such as NOW, money market, savings, and certificates of deposit, along with commercial real estate and other lending products. Its services include commercial construction, commercial and industrial loans, residential loans, and home equity lines of credit and other consumer loans.

Understand Hoyne Bancorp, Inc. Common Stock: how it makes money

Hoyne Bancorp runs Hoyne Savings Bank in Chicago, offering deposits and loans (commercial real estate, residential, consumer) and earning the interest spread between what it pays depositors and what it charges borrowers. As a small community bank, nearly all revenue is net interest income, leaving it exposed to rate cycles and local credit conditions.

Profit is the net interest spread: lending rates on the loan book minus deposit funding costs and operating overhead, all within a small local portfolio.

Business quality (Unprofitable): The bank is currently operating at a loss on an after-tax basis (ROE of zero, graded Unprofitable), with only a thin positive operating margin keeping the core lending engine afloat.

Bull case

  • Spread still covers costs: The operating margin of 3% (10-Q) shows the bank's lending spread is just sufficient to cover overhead, meaning the core deposit-gathering and loan-rotation engine is functioning despite the small scale.

Bear case

  • No real loss buffer: At a 3% operating margin (10-Q), the bank has almost zero cushion: a modest uptick in deposit funding costs or a small cluster of commercial real estate charge-offs could flip operations to negative.
Valuation — source: SEC EDGAR (first-party)
Price$16.41
Market Cap$132.87M
P/E Ratio514.3
EV / EBITDA3263.2
Price / Book0.82
Price / Sales6.22
FCF Yield0.2%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$20.37M
Net Margin1.1%
Revenue Growth (YoY)8.3%
FCF Growth (YoY)-195.0%
Valuation vs Sector & Industry
Stock P/E514.3
Sector P/E (Financials)14.9
Industry P/E (Banking)12.7
vs Sector3347.5%
vs Industry3950.8%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderVANGUARD CAPITAL MANAGEMENT LLC ($5.35M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOWalter F. Healy
Employees73
CountryUS
IPO Date2025-12-04

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HYNE earnings history · HYNE institutional & insider holders · HYNE KPIs & operating metrics · HYNE financials · HYNE investor presentations & press releases · HYNE SEC filings · HYNE peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-09-02.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.