Hoyne Bancorp, Inc. Common Stock (HYNE) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Hoyne Bancorp, Inc. Common Stock stock (HYNE) is currently trading at $14.85. Hoyne Bancorp, Inc. Common Stock PS ratio (Price-to-Sales) is 9.15. WallStSmart rates HYNE as Sell.
- HYNE PE ratio analysis and historical PE chart
- HYNE PS ratio (Price-to-Sales) history and trend
- HYNE intrinsic value — DCF, Graham Number, EPV models
- HYNE stock price prediction 2025 2026 2027 2028 2029 2030
- HYNE fair value vs current price
- HYNE insider transactions and insider buying
- Is HYNE undervalued or overvalued?
- Hoyne Bancorp, Inc. Common Stock financial analysis — revenue, earnings, cash flow
- HYNE Piotroski F-Score and Altman Z-Score
- HYNE analyst price target and Smart Rating
Hoyne Bancorp, Inc.
📊 No data available
Try selecting a different time range
Smart Analysis
Hoyne Bancorp, Inc. Common Stock (HYNE) · 7 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/book, revenue growth. Concerns around market cap and operating margin. Significant fundamental concerns warrant caution or avoidance.
Hoyne Bancorp, Inc. Common Stock (HYNE) Key Strengths (2)
Revenue surging 38.10% year-over-year
Trading at 1.34x book value, attractively priced
Hoyne Bancorp, Inc. Common Stock (HYNE) Areas to Watch (5)
Company is losing money with a negative profit margin
Near-zero operating margins, business under pressure
Very expensive at 9.2x annual revenue
Very low institutional interest at 12.86%
Micro-cap company with very limited liquidity and high volatility
Supporting Valuation Data
Hoyne Bancorp, Inc. Common Stock (HYNE) Detailed Analysis Report
Overall Assessment
This company scores 27/100 in our Smart Analysis, earning a F grade. Out of 7 metrics analyzed, 2 register as strengths (avg 9.0/10) while 5 fall into concern territory (avg 1.6/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Revenue Growth, Price/Book. Valuation metrics including Price/Book (1.34) suggest the stock is attractively priced. Growth metrics are encouraging with Revenue Growth at 38.10%.
The Bear Case
The primary concerns are Profit Margin, Operating Margin, Price/Sales. Some valuation metrics including Price/Sales (9.15) suggest expensive pricing. Profitability pressure is visible in Operating Margin at 4.03%, Profit Margin at -2.96%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Profit Margin improves, as this is the primary drag on the overall score. Second, margin trajectory, with Operating Margin at 4.03% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 38.10% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Profit Margin and Operating Margin are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
HYNE Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
HYNE's Price-to-Sales ratio of 9.15x sits near its historical average of 8.1x (90th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 0% below its historical high of 9.15x set in Mar 2026, and 50% above its historical low of 6.08x in Dec 2025. Over the past 12 months, the PS ratio has expanded from ~6.1x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Hoyne Bancorp, Inc. Common Stock (HYNE) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Hoyne Bancorp, Inc. Common Stock is in a high-growth phase, prioritizing rapid expansion over margins. Revenue reached 13M with 38% growth year-over-year. The company is currently unprofitable, posting a -3.0% profit margin.
Key Findings
Revenue growing at 38% YoY, reaching 13M. This pace significantly outperforms most BANKS - REGIONAL peers.
The company is unprofitable with a -3.0% profit margin. The path to breakeven will be the key catalyst.
Free cash flow is -580,529, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Growth sustainability: can Hoyne Bancorp, Inc. Common Stock maintain 38%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Hoyne Bancorp, Inc. Common Stock.
Bottom Line
Hoyne Bancorp, Inc. Common Stock is a high-conviction growth story with revenue accelerating at 38% while profitability is still developing. For growth-oriented investors, the trajectory is compelling. For value investors, the thin -3.0% margins and premium valuation suggest patience until the unit economics mature further.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Loading insider activity...
About Hoyne Bancorp, Inc. Common Stock(HYNE)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Hoyne Bancorp, Inc. is the bank holding company for Hoyne Savings Bank that provides various financial products and services. The company is headquartered in Chicago, Illinois.