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Hoyne Bancorp Inc Financials

HYNE
Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Hoyne Bancorp Inc (HYNE) financial statements, including the 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).

Rhea AI HYNE FY2025

FY2025 shows a balance-sheet repair story, where lower leverage and new funding mattered more than earnings.

FY2025’s turnaround was largely a funding and balance-sheet reset, not an earnings surge: cash rose to $47.6M while financing provided $33.8M. Debt-to-equity roughly halved to 2.0x even though net income was only $233K, so the stronger liquidity picture arrived faster than the underlying profit engine and says the year was more about capital structure repair than pure operating momentum.

The swing from a -$2.0M loss in FY2024 to a small profit in FY2025 was helped by lower overhead, with SG&A falling to $6.1M. Since revenue also reached $20.4M while interest expense climbed to $14.1M, the recovery looks like better cost absorption and funding mix improvement rather than a clean margin breakout, meaning small execution gains mattered more than any broad earnings cushion.

Cash generation finally turned positive, with operating cash flow of $1.2M and free cash flow of $202K. Against a $489.4M asset base and $161.4M of equity, that still signals very low earning power per dollar of capital, so the institution is healthier on liquidity than on returns.

Generated by Rhea from SEC filings [ NOT FINANCIAL ADVICE ]

Financial Health Signals

Profitability Growth Leverage Liquidity Cash Flow Returns 24 / 100
Financial Profile 24/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.

Growth
69

Hoyne Bancorp Inc's revenue surged 21.2% year-over-year to $20.4M, reflecting rapid business expansion. This strong growth earns a score of 69/100.

Leverage
61

Hoyne Bancorp Inc has a moderate D/E ratio of 2.03. This balance of debt and equity financing earns a leverage score of 61/100.

Cash Flow
6

While Hoyne Bancorp Inc generated $1.2M in operating cash flow, capex of $1.0M consumed most of it, leaving $202K in free cash flow. This results in a low score of 6/100, reflecting heavy capital investment rather than weak cash generation.

Returns
9

Hoyne Bancorp Inc generates a 0.1% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 9/100. This is up from -2.3% the prior year.

Piotroski F-Score Neutral
5/9

Hoyne Bancorp Inc passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed
5.35x

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

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Earnings & Revenue

Revenue
$20.4M
YoY+21.2%

Hoyne Bancorp Inc generated $20.4M in revenue in fiscal year 2025. This represents an increase of 21.2% from the prior year.

EBITDA
N/A
Net Income
$233K
YoY+111.9%

Hoyne Bancorp Inc reported $233K in net income in fiscal year 2025. This represents an increase of 111.9% from the prior year.

EPS (Diluted)
$0.03

Hoyne Bancorp Inc earned $0.03 per diluted share (EPS) in fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow
$202K
YoY+105.4%

Hoyne Bancorp Inc generated $202K in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 105.4% from the prior year.

Cash & Debt
$47.6M
YoY+210.5%

Hoyne Bancorp Inc held $47.6M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share
N/A
Shares Outstanding
8M

Hoyne Bancorp Inc had 8M shares outstanding in fiscal year 2025.

Margins & Returns

Gross Margin
N/A
Operating Margin
N/A
Net Margin
1.1%
YoY+12.8pp

Hoyne Bancorp Inc's net profit margin was 1.1% in fiscal year 2025, showing the share of revenue converted to profit. This is up 12.8 percentage points from the prior year.

Return on Equity
0.1%
YoY+2.4pp

Hoyne Bancorp Inc's ROE was 0.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.4 percentage points from the prior year.

Capital Allocation

R&D Spending
N/A
Share Buybacks
N/A
Capital Expenditures
$1.0M
YoY+6.6%

Hoyne Bancorp Inc invested $1.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 6.6% from the prior year.

HYNE Income Statement

Metric Q1'26 Q4'25 Q3'25 Q1'25 Q4'24 Q3'24
Revenue $5.3M N/A $5.0M+6.9% $4.7M N/A $4.2M
Cost of Revenue N/A N/A N/A N/A N/A N/A
Gross Profit N/A N/A N/A N/A N/A N/A
R&D Expenses N/A N/A N/A N/A N/A N/A
SG&A Expenses $2.4M N/A $1.7M-7.9% $1.9M N/A $1.7M
Operating Income N/A N/A N/A N/A N/A N/A
Interest Expense $4.2M N/A $3.4M+13.3% $3.0M N/A $2.4M
Income Tax -$56K N/A $26K+133.3% -$77K N/A -$247K
Net Income -$118K N/A $70K+142.2% -$166K N/A -$397K
EPS (Diluted) $-0.02 N/A N/A N/A N/A N/A

HYNE Balance Sheet

Metric Q1'26 Q4'25 Q3'25 Q1'25 Q4'24 Q3'24
Total Assets $477.2M-2.5% $489.4M+7.6% $454.8M N/A $449.5M N/A
Current Assets N/A N/A N/A N/A N/A N/A
Cash & Equivalents $13.5M-71.7% $47.6M+76.8% $26.9M-13.7% $31.2M+103.6% $15.3M-15.9% $18.2M
Inventory N/A N/A N/A N/A N/A N/A
Accounts Receivable N/A N/A N/A N/A N/A N/A
Goodwill N/A N/A N/A N/A N/A N/A
Total Liabilities $316.1M-3.6% $328.0M-10.0% $364.6M N/A $363.7M N/A
Current Liabilities N/A N/A N/A N/A N/A N/A
Long-Term Debt N/A N/A N/A N/A N/A N/A
Total Equity $161.1M-0.2% $161.4M+79.0% $90.1M+2.5% $87.9M+2.4% $85.8M-3.0% $88.5M
Retained Earnings $101.3M-0.1% $101.4M-0.4% $101.8M N/A $101.7M N/A

HYNE Cash Flow Statement

Metric Q1'26 Q4'25 Q3'25 Q1'25 Q4'24 Q3'24
Operating Cash Flow -$821K-164.7% $1.3M N/A $905K+162.2% -$1.5M N/A
Capital Expenditures $49K-92.0% $605K N/A $172K-32.3% $254K N/A
Free Cash Flow -$870K-230.8% $665K N/A $733K+142.9% -$1.7M N/A
Investing Cash Flow -$22.1M-59.1% -$13.9M N/A $2.3M+113.8% -$16.9M N/A
Financing Cash Flow -$11.2M-133.7% $33.3M N/A $12.6M-18.1% $15.4M N/A
Dividends Paid N/A N/A N/A N/A N/A N/A
Share Buybacks N/A N/A N/A N/A N/A N/A

HYNE Financial Ratios

Metric Q1'26 Q4'25 Q3'25 Q1'25 Q4'24 Q3'24
Gross Margin N/A N/A N/A N/A N/A N/A
Operating Margin N/A N/A N/A N/A N/A N/A
Net Margin -2.3% N/A 1.4%+4.9pp -3.5% N/A -9.5%
Return on Equity -0.1% N/A 0.1%+0.3pp -0.2% N/A -0.4%
Return on Assets -0.0% N/A 0.0% N/A N/A N/A
Current Ratio N/A N/A N/A N/A N/A N/A
Debt-to-Equity 1.96-0.1 2.03-2.0 4.04 N/A 4.24 N/A
FCF Margin -16.6% N/A N/A 15.7% N/A N/A

Frequently Asked Questions

Hoyne Bancorp Inc (HYNE) reported $20.4M in total revenue for fiscal year 2025. This represents a 21.2% 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.

Hoyne Bancorp Inc (HYNE) revenue grew by 21.2% year-over-year, from $16.8M to $20.4M in fiscal year 2025.

Yes, Hoyne Bancorp Inc (HYNE) reported a net income of $233K in fiscal year 2025, with a net profit margin of 1.1%.

Hoyne Bancorp Inc (HYNE) reported diluted earnings per share of $0.03 for fiscal year 2025. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Hoyne Bancorp Inc (HYNE) had a net profit margin of 1.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

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.

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.

Hoyne Bancorp Inc (HYNE) generated $1.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

Hoyne Bancorp Inc (HYNE) had $489.4M in total assets as of fiscal year 2025, including both current and long-term assets.

Hoyne Bancorp Inc (HYNE) invested $1.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Hoyne Bancorp Inc (HYNE) had 8M shares outstanding as of fiscal year 2025.

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.

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.

Hoyne Bancorp Inc (HYNE) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. 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.

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.

Hoyne Bancorp Inc (HYNE) scores 24 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.

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