HYNE
BEARISH
$16.09
Live
Hoyne Bancorp, Inc. · NASDAQ
$13.35
52W Range
$16.14
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 11, 2026
Market cap
$119.89M
P/E
536.33
ROE
0.2%
Profit margin
1.6%
Debt/Equity
N/A
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
90%
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.
Key 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
Recent short-term price momentum (1-week change +7.5%)
Positive revenue growth trend Q/Q (50.03%)
Key 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%)
Very thin operating margins (0.25%)
Bearish technical trend score (10/100)
AI Fair Value Estimate
Based on comprehensive analysis
$3.67
-77.2% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
30
Weak
10
50
40
50
0
AI Verdict
High Risk / Overvalued
Key drivers: Extreme P/E ratio, Negligible ROE/ROA, Massive gap between price and Graham Number
Confidence
90%
Value
10/100
Ref P/E 536.33, Graham Number $3.67
Positives
- P/B ratio below 1.0
Watchpoints
- P/E of 536.33
- Price is ~4.4x the Graham Number
Future
50/100
Ref Revenue Growth 51.40%
Positives
- High revenue growth (51.4%)
Watchpoints
- Inability to convert revenue growth into profit
Past
40/100
Ref 1Y Change +14.9%
Positives
- Positive 1Y price performance
Watchpoints
- Poor historical return on equity
Health
50/100
Ref Piotroski F-Score 4/9
Positives
- Piotroski F-Score 4/9 (Stable)
Watchpoints
- Extremely low ROA (0.05%)
Dividend
0/100
Ref Dividend Yield N/A
Positives
No standout positives identified.
Watchpoints
- No dividend paid
- 0/100 dividend strength
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$16.09
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for HYNE and closest competitors.
Updated 2026-04-10
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
HYNE
Hoyne Bancorp, Inc.
Primary
|
+14.9% | +14.9% | +14.9% | +14.9% | +11.7% | +7.5% |
|
AFBI
Affinity Bancshares, Inc.
Peer
|
+90.8% | +37.0% | +8.5% | +2.0% | -3.1% | +0.2% |
|
BTA
BlackRock Long-Term Municipal Advantage Trust
Peer
|
-3.9% | +10.0% | +2.3% | +10.9% | +1.1% | -1.8% |
|
BSBK
Bogota Financial Corp.
Peer
|
-12.5% | -12.1% | +23.3% | -5.8% | +5.1% | +4.4% |
|
BCBP
BCB Bancorp, Inc.
Peer
|
-14.4% | -47.9% | -27.2% | -4.7% | -5.0% | +2.1% |
HYN
Hoyne Bancorp, Inc.
Primary
5Y
+14.9%
3Y
+14.9%
1Y
+14.9%
6M
+14.9%
1M
+11.7%
1W
+7.5%
AFB
Affinity Bancshares, Inc.
Peer
5Y
+90.8%
3Y
+37.0%
1Y
+8.5%
6M
+2.0%
1M
-3.1%
1W
+0.2%
BTA
BlackRock Long-Term Municipal Advantage Trust
Peer
5Y
-3.9%
3Y
+10.0%
1Y
+2.3%
6M
+10.9%
1M
+1.1%
1W
-1.8%
BSB
Bogota Financial Corp.
Peer
5Y
-12.5%
3Y
-12.1%
1Y
+23.3%
6M
-5.8%
1M
+5.1%
1W
+4.4%
BCB
BCB Bancorp, Inc.
Peer
5Y
-14.4%
3Y
-47.9%
1Y
-27.2%
6M
-4.7%
1M
-5.0%
1W
+2.1%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
536.33
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.81
P/S Ratio
8.12
EV/Revenue
5.75
EV/EBITDA
N/A
Market Cap
$119.89M
Profitability
Profit margins and return metrics
Profit Margin
1.58%
Operating Margin
0.25%
Gross Margin
N/A
ROE
0.19%
ROA
0.05%
Growth
Revenue and earnings growth rates
Revenue Growth
+51.4%
Earnings Growth
N/A
Q/Q Revenue Growth
+50.03%
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$5.99
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
4.2%
Total Assets
$0.5B
Liabilities
$0.3B
Equity
$0.2B
Debt/Equity
2.03x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
52%
Financial Services Sector Comparison
Comparing HYNE against 341 companies in the Financial Services sector
(60 bullish, 147 neutral, 134 bearish)
P/E Ratio
536.33
This Stock
vs
54.09
Sector Avg
+891.6%
(Expensive)
Return on Equity (ROE)
0.19%
This Stock
vs
-0.66%
Sector Avg
-128.4%
(Below Avg)
Profit Margin
1.58%
This Stock
vs
63.27%
Sector Avg
-97.5%
(Weaker)
Revenue Growth
51.4%
This Stock
vs
44.9%
Sector Avg
+14.5%
(Growing)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
HYNE
Hoyne Bancorp, Inc.
|
BEARISH | $119.89M | 536.33 | 0.2% | 1.6% | $16.09 | |
|
AFBI
Affinity Bancshares, Inc.
|
NEUTRAL | $123.04M | 15.47 | 6.5% | 25.3% | $19.95 | Compare |
|
BTA
BlackRock Long-Term...
|
BEARISH | $126.6M | - | -6.4% | -77.7% | $9.42 | Compare |
|
BSBK
Bogota Financial Corp.
|
NEUTRAL | $112.05M | 50.82 | 1.5% | 12.0% | $8.64 | Compare |
|
BCBP
BCB Bancorp, Inc.
|
BEARISH | $135.41M | 131.0 | 0.9% | 4.3% | $7.86 | Compare |
HYNE
Hoyne Bancorp, Inc.
BEARISH
Mkt Cap
$120M
P/E
536.3
ROE
0.2%
Price
$16.09
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-12-05 | MANFRE THOMAS S. | Chief Financial Officer | Purchase | 18,217 | $244,546 |
| 2025-12-04 | HEALY WALTER F. | Chief Executive Officer | Purchase | 38,209 | $434,369 |
| 2025-12-03 | OPAS DAVID M. | Director | Purchase | 10,000 | $100,000 |
| 2025-12-03 | ROSENBAUM STEVEN F | Director | Purchase | 30,000 | $300,000 |
| 2025-12-03 | WINNINGHAM JANET H. | Director | Purchase | 20,000 | $200,000 |
| 2025-12-03 | GONSCH JUDITH A. | Director | Purchase | 30,000 | $300,000 |
| 2025-12-03 | BREEMS TIMOTHY S. SR. | Director | Purchase | 30,000 | $300,000 |
| 2025-12-03 | VACCARELLO ANTHONY M. | Director | Purchase | 10,000 | $100,000 |
| 2025-12-03 | WIEMANN THEODORE C. | Director | Purchase | 25,000 | $250,000 |
| 2025-12-03 | CARSTENSEN PAULA M. | Director | Purchase | 20,000 | $200,000 |
MANFRE THOMAS S.
Chief Financial Officer
2025-12-05
18,217 shares
·
$244,546
HEALY WALTER F.
Chief Executive Officer
2025-12-04
38,209 shares
·
$434,369
OPAS DAVID M.
Director
2025-12-03
10,000 shares
·
$100,000
ROSENBAUM STEVEN F
Director
2025-12-03
30,000 shares
·
$300,000
WINNINGHAM JANET H.
Director
2025-12-03
20,000 shares
·
$200,000
GONSCH JUDITH A.
Director
2025-12-03
30,000 shares
·
$300,000
BREEMS TIMOTHY S. SR.
Director
2025-12-03
30,000 shares
·
$300,000
VACCARELLO ANTHONY M.
Director
2025-12-03
10,000 shares
·
$100,000
WIEMANN THEODORE C.
Director
2025-12-03
25,000 shares
·
$250,000
CARSTENSEN PAULA M.
Director
2025-12-03
20,000 shares
·
$200,000
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning HYNE from our newsroom.
Newest → oldest
No matching news yet.