Hoyne Bancorp Inc
HYNEBuild a strategy around HYNE
Hoyne Bancorp Inc AI Insights
Informational only. Not investment advice.Snapshot
- Net loss of -391K TTM with -2.8% net margin vs industry median of 0% - unprofitable micro-cap bank holding company burning cash[Net Margin TTM]
- Zero debt (D/E 0.0) with 90M equity and 28M cash - fortress balance sheet but earning nothing on 455M assets (ROA -0.09%)[Debt to Equity]
- P/S of 8.4x vs industry median 2.9x - paying 3x premium for a loss-making entity with negative FCF of -2.2M TTM[P/S Ratio]
Watch Triggers
- Net Income TTM: Turns positive for 2 consecutive quarters — Profitability inflection would validate turnaround thesis and justify premium valuation
- Free Cash Flow TTM: Improves to breakeven or positive — Cash burn rate determines runway; continued -2M+ FCF depletes 28M cash in ~12 years
- Book Value Per Share: Declines below $10 from current $11.13 — Erosion of book value removes primary downside protection for equity holders
Bull Case
Trading at 1.28x book (11.13/share) with zero debt - downside protected by tangible book of 90M vs 115M market cap
28M cash (24% of market cap) provides runway for turnaround without dilution; no capex spend TTM preserves liquidity
Bear Case
Negative FCF -2.2M TTM and -391K net loss with no dividend - value trap with no catalyst and cash burn eroding book value
P/S 8.4x is 2.9x industry median for unprofitable bank - severe overvaluation given ROE -0.4% vs median +2.5%
Bull vs Bear Balance
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Forward Thesis
Path to profitability requires interest income growth to exceed 6.6M interest expense burden
- Interest expense TTM 6.6M consuming 48% of revenue
- Asset turnover 0.03x indicates severe earning asset underutilization
- ROE -0.4% vs industry median 2.5%
Valuation Context
Caveats
Public Strategies Rankings
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HYNE Fundamentals
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$117.2M | — | ||
$68.74M | — | ||
483 | — | ||
$15.3M | +41.8% | — | |
$0.03 | — | ||
0% | — | ||
1.52% | +19.7% | — | |
$201,986 | — | ||
0.19% | +2.5% | — | |
Beta 5Y (Monthly) | unknown | — |
HYNE Dividend History
HYNE Stock Splits
HYNE SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
03/26/26 | 12/31/25 | 10-K | |
11/13/25 | 09/30/25 | 10-Q | |
10/02/25 | 06/30/25 | 424B3 | |
06/17/25 | 03/31/25 | S-1 | |
10/02/25 | 12/31/24 | 424B3 | |
11/13/25 | 09/30/24 | 10-Q | |
06/30/24 | 06/30/24 | Unknown | -- |
06/17/25 | 03/31/24 | S-1 |