Hoyne Bancorp, Inc. (HYNE) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 12, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 11, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the HYNE SEC filings page.
Hoyne Bancorp, Inc. (HYNE) reported $17.7M in revenue over the twelve months to Jun 30, 2026. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 2 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Hoyne’s dominant mechanic is balance-sheet repair: leverage fell sharply as profitability and cash generation returned in FY2025.
Cash conversion reversed: operating cash flow moved from-$2.77M in FY2024 to$1.25M in FY2025, making the improvement more than a reported-profit change. Positive free cash flow of$202K despite$1.04M of capital expenditures shows reinvestment was funded internally, but left limited surplus.
Debt-to-equity fell from 4.2x to 2.0x as equity expanded materially in FY2025. With total assets at
Revenue increased
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Hoyne Bancorp, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Hoyne Bancorp, Inc. earned a return on assets of 0.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from -0.4% the prior year. Earnings ranks banks on that return over three years, and Hoyne Bancorp, Inc. scores 15/100 among other banks.
Hoyne Bancorp, Inc. reported revenue of $15.3M in fiscal year 2025, against $10.8M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Hoyne Bancorp, Inc. scores 91/100 among other banks.
Hoyne Bancorp, Inc. funded 33.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $161.4M of equity against $489.4M of assets. Capital ranks banks on that cushion, and Hoyne Bancorp, Inc. scores 90/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Hoyne Bancorp, Inc. scores 5/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Hoyne Bancorp, Inc. scores 51/100 on it among other banks.
Hoyne Bancorp, Inc. reported net income of $233K in fiscal year 2025, against a loss of $2.0M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Hoyne Bancorp, Inc. scores 15/100 among other banks.
Hoyne Bancorp, Inc. passes 5 of 5 computable financial strength tests (4 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), both operating efficiency signals pass.
For every $1 of reported earnings, Hoyne Bancorp, Inc. generates $5.35 in operating cash flow ($1.2M OCF vs $233K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Hoyne Bancorp, Inc. generated $4.8M in revenue in Q2 2026. This represents an increase of 34.7% from the same quarter a year earlier. Against the prior quarter it is up 7.6%.
Hoyne Bancorp, Inc. reported $96K in net income in Q2 2026. This represents a decrease of 18.6% from the same quarter a year earlier. Against the prior quarter it is up 181.1%.
Not reported for Q2 2026.
Cash & Balance Sheet
Hoyne Bancorp, Inc. recorded an outflow of $654K in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents a decrease of 140.8% from the same quarter a year earlier. Against the prior quarter it is up 24.8%.
Hoyne Bancorp, Inc. held $25.4M in cash as of Q2 2026; long-term debt is not reported for that period.
Not reported for Q2 2026.
Margins & Returns
Hoyne Bancorp, Inc.'s net profit margin was 2.0% in Q2 2026, showing the share of revenue converted to profit. This is down 1.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 4.6 percentage points.
Hoyne Bancorp, Inc.'s ROE was 0.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Hoyne Bancorp, Inc. invested $183K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 17.4% from the same quarter a year earlier. Against the prior quarter it is up 276.9%.
Not reported for Q2 2026.
Not reported for Q2 2026.
HYNE Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $4.8M+34.7% | $4.5M+35.4% | $4.8M | $3.6M+37.1% | $3.6M | $3.3M | N/A | $2.7M |
| SG&A Expenses | $2.4M+48.9% | $2.4M+31.8% | $908K | $1.7M-2.1% | $1.6M | $1.9M | N/A | $1.7M |
| Interest Expense | $4.4M+31.6% | $4.2M+39.6% | $4.3M | $3.4M+43.6% | $3.4M | $3.0M | N/A | $2.4M |
| Income Tax | $50K-30.6% | -$56K+26.6% | -$245K | $26K+110.3% | $72K | -$77K | N/A | -$247K |
| Net Income | $96K-18.6% | -$118K+28.7% | $211K | $70K+117.6% | $118K | -$166K | N/A | -$397K |
| EPS (Basic) | $0.01 | -$0.02 | N/A | N/A | N/A | N/A | N/A | N/A |
| EPS (Diluted) | $0.01 | -$0.02 | N/A | N/A | N/A | N/A | N/A | N/A |
| Diluted Shares (Avg) | 7M | 7M | N/A | N/A | N/A | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
HYNE Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $480.0M | $477.2M | $489.4M+8.9% | $454.8M | N/A | N/A | $449.5M | N/A |
| Cash & Equivalents | $25.4M+6.4% | $13.5M-56.8% | $47.6M+210.5% | $26.9M+47.7% | $23.8M | $31.2M | $15.3M | $18.2M |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $318.8M | $316.1M | $328.0M-9.8% | $364.6M | N/A | N/A | $363.7M | N/A |
| Total Equity | $161.1M+81.3% | $161.1M+83.2% | $161.4M+88.0% | $90.1M+1.9% | $88.9M | $87.9M | $85.8M | $88.5M |
| Retained Earnings | $101.4M | $101.3M | $101.4M-0.3% | $101.8M | N/A | N/A | $101.7M | N/A |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
HYNE Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$471K-125.8% | -$821K-190.7% | $1.3M+187.3% | -$2.8M | $1.8M | $905K | -$1.5M | N/A |
| Stock-Based Compensation | N/A | $93K | N/A | N/A | N/A | N/A | N/A | N/A |
| Capital Expenditures | $183K-17.4% | $49K-71.7% | $605K+137.9% | $44K | $222K | $172K | $254K | N/A |
| Free Cash Flow | -$654K-140.8% | -$870K-218.6% | $665K+138.9% | -$2.8M | $1.6M | $733K | -$1.7M | N/A |
| Investing Cash Flow | $10.1M+195.7% | -$22.1M-1045.5% | -$13.9M+17.8% | $5.4M | $3.4M | $2.3M | -$16.9M | N/A |
| Financing Cash Flow | $2.2M+117.6% | -$11.2M-188.7% | $33.3M+115.8% | $491K | -$12.6M | $12.6M | $15.4M | N/A |
Not reported in any period shown, so not listed: Depreciation & Amortization, Dividends Paid, Share Buybacks.
HYNE Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 2.0%-1.3pp | -2.6%+2.4pp | 4.4% | 1.9%+16.9pp | 3.3% | -5.0% | N/A | -14.9% |
| Return on Equity | 0.1%-0.1pp | -0.1%+0.1pp | 0.1% | 0.1%+0.5pp | 0.1% | -0.2% | N/A | -0.4% |
| Return on Assets | 0.0% | 0.0% | 0.0% | 0.0% | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 1.98 | 1.96 | 2.03-2.2x | 4.04 | N/A | N/A | 4.24 | N/A |
| Asset Turnover | 0.01 | 0.01 | 0.01 | 0.01 | N/A | N/A | N/A | N/A |
| FCF Margin | -13.6%-58.3pp | -19.4%-41.5pp | 14.0% | -76.8% | 44.8% | 22.1% | N/A | N/A |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Where Hoyne Bancorp, Inc. Ranks
Frequently Asked Questions
What is Hoyne Bancorp, Inc.'s annual revenue?
Hoyne Bancorp, Inc. (HYNE) reported $15.3M in total revenue for fiscal year 2025. This represents a 41.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Hoyne Bancorp, Inc.'s revenue growing?
Hoyne Bancorp, Inc. (HYNE) revenue grew by 41.8% year-over-year, from $10.8M to $15.3M in fiscal year 2025.
Is Hoyne Bancorp, Inc. profitable?
Yes, Hoyne Bancorp, Inc. (HYNE) reported a net income of $233K in fiscal year 2025, with a net profit margin of 1.5%.
What is Hoyne Bancorp, Inc.'s net profit margin?
Hoyne Bancorp, Inc. (HYNE) had a net profit margin of 1.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Hoyne Bancorp, Inc.'s return on equity (ROE)?
Hoyne Bancorp, Inc. (HYNE) has a return on equity of 0.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Hoyne Bancorp, Inc.'s free cash flow?
Hoyne Bancorp, Inc. (HYNE) generated $202K in free cash flow during fiscal year 2025. This represents a 105.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Hoyne Bancorp, Inc.'s operating cash flow?
Hoyne Bancorp, Inc. (HYNE) generated $1.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Hoyne Bancorp, Inc.'s total assets?
Hoyne Bancorp, Inc. (HYNE) had $489.4M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Hoyne Bancorp, Inc.'s capital expenditures?
Hoyne Bancorp, Inc. (HYNE) invested $1.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Hoyne Bancorp, Inc.'s debt-to-equity ratio?
Hoyne Bancorp, Inc. (HYNE) had a debt-to-equity ratio of 2.03 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Hoyne Bancorp, Inc.'s return on assets (ROA)?
Hoyne Bancorp, Inc. (HYNE) had a return on assets of 0.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Hoyne Bancorp, Inc.'s P/E ratio?
Hoyne Bancorp, Inc. (HYNE) trades at 516x earnings, its market capitalization divided by net income of $258K net income, trailing 12 months to June 30, 2026. The market capitalization is $133.3M as of Sep 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Hoyne Bancorp, Inc.'s price-to-sales ratio?
Hoyne Bancorp, Inc. (HYNE) trades at 7.5x sales, its market capitalization divided by revenue of $17.7M revenue, trailing 12 months to June 30, 2026. The market capitalization is $133.3M as of Sep 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Hoyne Bancorp, Inc.'s Piotroski F-Score?
Hoyne Bancorp, Inc. (HYNE) has a Piotroski F-Score of 5 out of 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Hoyne Bancorp, Inc.'s earnings high quality?
Hoyne Bancorp, Inc. (HYNE) has an earnings quality ratio of 5.35x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Hoyne Bancorp, Inc.?
Hoyne Bancorp, Inc. (HYNE) scores 45 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.