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HYNE vs MA

HYNE
Hoyne Bancorp, Inc.
BEARISH
Price
$16.09
Market Cap
$119.9M
Sector
Financial Services
AI Confidence
90%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
HYNE
536.33
MA
30.28
Forward P/E
HYNE
--
MA
22.05
P/B Ratio
HYNE
0.81
MA
57.74
P/S Ratio
HYNE
8.12
MA
13.6
EV/EBITDA
HYNE
--
MA
22.13

Profitability

Gross Margin
HYNE
0.0%
MA
100.0%
Operating Margin
HYNE
0.25%
MA
57.73%
Profit Margin
HYNE
1.58%
MA
45.65%
ROE
HYNE
0.19%
MA
209.91%
ROA
HYNE
0.05%
MA
23.72%

Growth

Revenue Growth
HYNE
51.4%
MA
17.6%
Earnings Growth
HYNE
--
MA
24.2%

Financial Health

Debt/Equity
HYNE
--
MA
2.56
Current Ratio
HYNE
--
MA
1.03
Quick Ratio
HYNE
--
MA
0.68

Dividends

Dividend Yield
HYNE
--
MA
0.7%
Payout Ratio
HYNE
0.0%
MA
18.4%

AI Verdict

HYNE BEARISH

Hoyne Bancorp exhibits a severe valuation disconnect, with a current price of $16.09 vastly exceeding its Graham Number ($3.67) and Intrinsic Value ($0.21). While the Piotroski F-Score of 4/9 indicates stable financial health, the company's profitability is negligible, evidenced by an ROE of 0.19% and an astronomical P/E ratio of 536.33. Despite strong top-line revenue growth of 51.4%, this growth is not translating into meaningful earnings. The stock is trading at a significant premium to its fundamental value despite a bearish technical trend.

Strengths
Strong YoY revenue growth of 51.40%
Trading below book value (Price/Book: 0.81)
Piotroski F-Score of 4/9 indicates stable (non-distressed) health
Risks
Extreme valuation gap (Price $16.09 vs Graham Number $3.67)
Unsustainable P/E ratio of 536.33
Critically low profitability (ROE 0.19%, ROA 0.05%)
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

HYNE vs MA: Head-to-Head Comparison

This page compares Hoyne Bancorp, Inc. (HYNE) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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