What is Hoyne Bancorp, Inc.'s (HYNE) StockRank?

MoatMap's StockRank for Hoyne Bancorp, Inc. (HYNE) is 17/100, with a Strong Sell signal. This is a composite score combining Quality (35), Value (30), and Momentum (34) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Hoyne Bancorp, Inc. have an economic moat?

Hoyne Bancorp, Inc. (HYNE) has a Quality factor score of 35/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Hoyne Bancorp, Inc. a buy, hold, or sell?

MoatMap's current signal for Hoyne Bancorp, Inc. (HYNE) is Strong Sell, based on a StockRank of 17/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is Hoyne Bancorp, Inc. in?

Hoyne Bancorp, Inc. (HYNE) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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HYNE

Strong SellSinker

Hoyne Bancorp, Inc. · Financial Services · United States · $134M · Avg Vol: $175K/d

StockRank

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P/E (TTM)

554.0x

ROE

0.2%

D/E

—

Dividend %

—

COMPANY DESCRIPTION

Hoyne Bancorp, Inc. operates Hoyne Savings Bank, a community bank providing traditional financial services like deposit accounts and real estate loans, primarily in the Chicago metropolitan area. The bank leverages its strong local presence and customer relationships to offer personalized services. It functions as a niche financial institution deeply embedded within specific local communities.

FINANCIAL SUMMARY (USD)

Year	2023	2024	2025	CAGR	TTM
Revenue	11.6M	11.4M	15.3M	14.9%	17.2M
EPS	0.18	-0.24	0.03	-59.6%	0.03
Shares	8.1M	8.1M	7.5M	-8.0%	8.1M
Debt	—	—	—	—	—
Equity	87.8M	86.2M	161.4M	35.6%	—
Op CF	-1.9M	-2.8M	1.2M	—	-2.8M
Inv CF	-1.1M	-11.7M	-2.8M	—	—
Fin CF	-25.6M	5.1M	33.8M	—	—

Loading 1Y...

PRICE (1Y)+1.3%

SMA 50SMA 200

$16.55

RSI (14)

47.5

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.1%*14.4

ROE

0.2%10.8

GP/Assets

3.5%N/A

Op. Margin

4.1%24.0

FCF/Assets

0.0%N/A

Piotroski

693.9

Int. Cover

—50.0

D/E Ratio

bankN/A

Current Ratio

bankN/A

Value

P/E (TTM)

554.0x0.2

EV/EBITDA

bankN/A

P/FCF

663.8xN/A

P/B

0.8x77.9

P/S

7.8x21.1

Div Yield

—N/A

Momentum

52W High %

—N/A

RS 6M

2%58.2

SMA 50/200

—N/A

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

-19%16.0

FUNDAMENTALS

Market Cap

$134M

P/E (Forward)

—

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of HYNE are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
HYNE	Hoyne Bancorp, Inc.(you)	$134M	17	Strong Sell
FGBI	First Guaranty Bancshares, Inc.	$144M	16	Strong Sell
BCBP	BCB Bancorp, Inc.	$156M	21	Sell
FNWB	First Northwest Bancorp	$108M	23	Sell
FINW	FinWise Bancorp	$209M	16	Strong Sell
SSBI	Summit State Bank	$87M	16	Strong Sell
BAFN	BayFirst Financial Corp.	$178M	24	Sell
WSBK	Winchester Bancorp, Inc.	$116M	28	Sell
SRBK	SR Bancorp, Inc.	$142M	31	Sell
RVSB	Riverview Bancorp, Inc.	$103M	28	Sell

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Hoyne Bancorp, Inc. (HYNE): Stock Score Summary

Hoyne Bancorp, Inc. (HYNE) has a MoatMap StockRank of 17/100 based on Quality (35/100), Value (30/100), and Momentum (34/100) factor scores. The current signal is STRONG SELL.

Key Financial Metrics

Price	$16.55
Market Cap	$134M
P/E (TTM)	554.00
Price/Book	0.84
Return on Equity	0.2%
Operating Margin	4.1%
Revenue Growth	36.1%
Free Cash Flow	$202K

Hoyne Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Hoyne Bancorp, Inc.’s (HYNE) StockRank?: MoatMap’s StockRank for Hoyne Bancorp, Inc. (HYNE) is 17/100, with a Strong Sell signal. It is a composite of Quality (35), Value (30), and Momentum (34) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Hoyne Bancorp, Inc. have an economic moat?: Hoyne Bancorp, Inc. (HYNE) has a Quality factor score of 35/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Hoyne Bancorp, Inc. a buy, hold, or sell?: MoatMap’s current signal for Hoyne Bancorp, Inc. (HYNE) is Strong Sell, based on a StockRank of 17/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Hoyne Bancorp, Inc. in?: Hoyne Bancorp, Inc. (HYNE) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).