Hoyne Bancorp Inc Financials
This page shows Hoyne Bancorp Inc (HYNE) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
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.
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 27/100, reflecting heavy capital investment rather than weak cash generation.
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 $20.4M in revenue in fiscal year 2025.
Hoyne Bancorp Inc reported $233K in net income in fiscal year 2025.
Cash & Balance Sheet
Hoyne Bancorp Inc generated $202K in free cash flow in fiscal year 2025, representing cash available after capex.
Hoyne Bancorp Inc had 8M shares outstanding in fiscal year 2025.
Margins & Returns
Hoyne Bancorp Inc's net profit margin was 1.1% in fiscal year 2025, showing the share of revenue converted to profit.
Capital Allocation
Hoyne Bancorp Inc invested $1.0M in capex in fiscal year 2025, funding long-term assets and infrastructure.
HYNE Income Statement
| Metric | Q2'26 | Q3'25 | Q2'25 |
|---|---|---|---|
| Revenue | $5.0M | N/A | $4.2M |
| Cost of Revenue | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A |
| SG&A Expenses | $1.7M | N/A | $1.7M |
| Operating Income | N/A | N/A | N/A |
| Interest Expense | $3.4M | N/A | $2.4M |
| Income Tax | $26K | N/A | -$247K |
| Net Income | $70K | N/A | -$397K |
| EPS (Diluted) | N/A | N/A | N/A |
HYNE Cash Flow Statement
| Metric | Q2'26 | Q3'25 | Q2'25 |
|---|---|---|---|
| Operating Cash Flow | N/A | N/A | N/A |
| Capital Expenditures | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A |
| Investing Cash Flow | N/A | N/A | N/A |
| Financing Cash Flow | N/A | N/A | N/A |
| Dividends Paid | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A |
HYNE Financial Ratios
| Metric | Q2'26 | Q3'25 | Q2'25 |
|---|---|---|---|
| Gross Margin | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A |
| Net Margin | 1.4% | N/A | -9.5% |
| Return on Equity | 0.1% | N/A | -0.4% |
| Return on Assets | 0.0% | N/A | N/A |
| Current Ratio | N/A | N/A | N/A |
| Debt-to-Equity | 4.04-0.2 | 4.24 | N/A |
| FCF Margin | N/A | N/A | N/A |
Frequently Asked Questions
What is Hoyne Bancorp Inc's annual revenue?
Hoyne Bancorp Inc (HYNE) reported $20.4M in total revenue for fiscal year 2025. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
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 1.1%.
What is Hoyne Bancorp Inc's net profit margin?
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.
What is Hoyne Bancorp Inc's free cash flow?
Hoyne Bancorp Inc (HYNE) generated $202K in free cash flow during fiscal year 2025. 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 capital expenditures?
Hoyne Bancorp Inc (HYNE) invested $1.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
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 5 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.