Obermatt

Hoyne Bancorp

NAQ:HYNE · US44326H1077
BanksSmall

360

46
Medium confidence — indicative
Profit price
Cash yield1
Price/Sales15
EV / Gross Profit10
Price/Book84
Returns on capital13
Profit margins
Cash Conversion9
Accruals29
Owner Earnings Margin16
Sales growth74
Profit growth73
Reinvestment54
Price momentum62
Debt load66
Debt serviceability7
Liquidity37
Analyst ratings
Expectations trend
Market mood1
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Hoyne Bancorp clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQCM
Founded2025
Websitehoyne.com
ISINUS44326H1077
Last UpdateApr 2, 2026

Description

Analysis

Weak and unloved

Hoyne Bancorp, Inc. is weak and unloved: below-average business metrics and a price that reflects that disappointment.

The price is expensive. You pay 624.9× its owner earnings: the cash an owner could take out each year, which is in the historically expensive zone.

The trajectory is solid and the balance sheet is uncertain. The company scores 13/20 on our value-creation score: creating some value.

What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
16
2026

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
15
Price/Earnings
Price/Book
84
Dividend Yield
1
Value (overall)
21

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →