Hoyne Bancorp, Inc. Common Stock

HYNE

Banks - Regional · Financial Services

Exchange

NASDAQ

Winston Score

Winston is worried

Below-average fundamentals — multiple weak pillars.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Good

Valuation

Weak

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Winston Score History

The full picture

Hoyne Bancorp is a small community bank holding company based in the Chicago, Illinois area. It offers everyday banking services like checking and savings accounts, home loans, and other deposit products, mainly to individual customers and small businesses in its local market. It operates as a traditional community bank, competing in a crowded regional banking landscape dominated by much larger institutions.

The company makes money primarily through the difference between the interest it earns on loans and the interest it pays on deposits, known as net interest income. With a market cap of roughly $100 million, Hoyne Bancorp is a very small player, and its negative operating margin signals it is currently struggling to cover its costs. The main risk facing the business is its thin profitability — rising funding costs and competition from larger banks and online lenders could make it difficult to grow earnings, and the company may face pressure to improve efficiency or consider strategic alternatives.

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

+28.2% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+124.4% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

0.0%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Runway

5+ years

Quarterly Free Cash Flow

→ Burn rate stable

$438M cash & investments at current burn rate

Revenue accelerating

Hoyne Bancorp, Inc. Common Stock grew revenue 28% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

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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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+16.4%

Fast-growing sales (+16.4% YoY)

Profit growth

EPS YoY

N/A

Data not available

How steady the profit is

EPS Consistency

3/4 quarters

Earnings grew in most of the last 8 quarters

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

497.9x

no trend

Expensive — P/E 497.9

P/E over 35. The market is pricing in heavy, sustained growth.

Cheaper or dearer next year

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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