Hoyne Bancorp, Inc. Common Stock

HYNE

Banks - Regional · Financial Services

Price

$16.70

+0.04 (+0.24%)

Market Cap

$124.4M

Exchange

NASDAQ

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Based on the IPO prospectus (annual filing). This score will refine automatically once the company reports its first quarters.

Share count rising — dilution

+17.3% over 2y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 6.9M (2023) → 8.1M (2025)

Hoyne Bancorp, Inc. focuses on operating as the bank holding company for Hoyne Savings Bank that provides various financial products and services. It offers NOW, money market, savings, and certificates of deposit accounts. The company also provides commercial real estate loans, including commercial construction; commercial and industrial loans; one to four residential properties; and home equity loans and lines of credit and other consumer loans. Hoyne Bancorp, Inc. was founded in 1887 and is he

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-2.1% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-134.6% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.0%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Runway

5+ years

Quarterly Free Cash Flow

↑ Burn rate improving

$437M cash & investments at current burn rate

Revenue declining

Hoyne Bancorp, Inc. Common Stock's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

68.4%

Premium pricing power — 68.4% gross margin

Operating Margin

0.0%

Thin — 0.0% operating margin

ROCE

0.0%

Weak — 0.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+16.9%

Fast-growing sales (16.9% YoY)

EPS YoY

N/A

Data not available

EPS Consistency

N/A

Data not available

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Cash Flow

Cash Conversion

535%

Turns 535% of profit into real cash

FCF Margin

0.9%

Thin free cash flow (0.9%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

0.00

Conservative — low debt load (0.00)

Interest Cover

0.00x

Dangerous — barely covers interest (0.0x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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