NASDAQ : HYNE
Hoyne Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 18.8 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 152.22M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|
| Interest Income on Loans | 17.01M | 15.87M | 11.53M | 8.35M |
| Interest Income on Investments | 4.24M | 4.49M | 5.27M | 7.07M |
| Total Interest Income | 21.26M | 20.37M | 16.80M | 15.42M |
| Interest Paid on Deposits | 5.02M | 6.28M | 7.08M | 4.47M |
| Net Interest Income | 16.24M | 14.08M | 9.71M | 10.95M |
| Other Non-Interest Income | 1.13M | 874.58K | 961.14K | 638.04K |
| Total Non-Interest Income | 1.48M | 1.22M | 1.08M | 638.04K |
| Revenues Before Loan Losses | 17.72M | 15.30M | 10.79M | 11.59M |
| Provision for Loan Losses | 540.00K | 540.00K | 468.00K | |
| Revenue | 17.18M | 14.76M | 10.33M | 11.59M |
| Salaries and Employee Benefits | 7.25M | 6.06M | 6.97M | 8.19M |
| Amortization of Goodwill & Intangibles | 184.00K | 184.00K | 184.00K | 184.00K |
| Selling, General & Administrative | 3.16M | 2.76M | 2.85M | 2.50M |
| Other Non-Interest Expense | 6.55M | 5.75M | 3.31M | 2.60M |
| Total Non-Interest Expense | 17.14M | 14.75M | 13.32M | 13.48M |
| EBT Excluding Unusual Items | 32.92K | 8.92K | -2.99M | -1.89M |
| Pretax Income | 32.92K | 8.92K | -2.99M | -1.89M |
| Income Tax Expense | -224.77K | -223.77K | -1.03M | -3.38M |
| Net Income | 257.69K | 232.69K | -1.96M | 1.49M |
| Net Income to Common | 257.69K | 232.69K | -1.96M | 1.49M |
| Basic Shares Outstanding | 8.10M | 7.45M | ||
| Diluted Shares Outstanding | 8.10M | 7.45M | ||
| EPS (Basic) | 0.03 | 0.03 | ||
| EPS (Diluted) | 0.03 | 0.03 |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|
| Cash & Equivalents | 25.38M | 47.60M | 15.33M | 24.68M |
| Investment Securities | 42.05M | 42.29M | 45.02M | 70.14M |
| Mortgage-Backed Securities | 85.59M | 93.60M | 106.90M | 125.44M |
| Total Investments | 127.64M | 135.89M | 151.93M | 195.59M |
| Gross Loans | 292.21M | 276.38M | 248.25M | 193.82M |
| Allowance for Loan Losses | -2.95M | -2.68M | -2.13M | -1.65M |
| Other Adjustments to Gross Loans | -6.97M | -5.74M | -5.20M | -1.60M |
| Net Loans | 282.29M | 267.95M | 240.93M | 190.57M |
| Property, Plant & Equipment | 7.67M | 7.42M | 7.82M | 7.76M |
| Other Intangible Assets | 46.00K | 138.00K | 322.00K | 506.00K |
| Accrued Interest Receivable | 1.69M | 1.45M | 1.48M | 1.27M |
| Long-Term Deferred Tax Assets | 9.48M | 9.37M | 10.81M | 9.58M |
| Other Real Estate Owned & Foreclosed | 729.00K | 729.43K | 138.90K | 200.00K |
| Other Long-Term Assets | 23.87M | 17.67M | 19.59M | 14.79M |
| Total Assets | 479.96M | 489.38M | 449.51M | 446.10M |
| Accounts Payable | 2.85M | 3.40M | 3.44M | 3.09M |
| Interest Bearing Deposits | 112.10M | 122.26M | 156.32M | 151.14M |
| Institutional Deposits | 33.60M | 38.97M | 36.55M | 33.15M |
| Non-Interest Bearing Deposits | 166.86M | 160.32M | 164.42M | 168.58M |
| Total Deposits | 312.56M | 321.55M | 357.29M | 352.88M |
| Current Portion of Leases | 39.00K | 73.97K | 170.55K | |
| Long-Term Debt | 3.07M | 3.06M | 2.75M | 2.09M |
| Pension & Post-Retirement Benefits | 119.00K | 119.00K | ||
| Total Liabilities | 318.82M | 328.01M | 363.68M | 358.34M |
| Common Stock | 81.00K | 80.97K | ||
| Additional Paid-In Capital | 77.31M | 77.24M | ||
| Retained Earnings | 101.36M | 101.39M | 101.72M | 103.68M |
| Comprehensive Income & Other | -17.61M | -17.34M | -15.89M | -15.92M |
| Shareholders' Equity | 161.14M | 161.37M | 85.83M | 87.76M |
| Total Liabilities & Equity | 479.96M | 489.38M | 449.51M | 446.10M |
| Total Debt | 3.41M | 3.06M | 2.83M | 2.26M |
| Net Cash (Debt) | 22.84M | 45.41M | 13.85M | 23.77M |
| Net Cash Per Share | 2.82 | 6.09 | ||
| Filing Date Shares Outstanding | 8.10M | 8.10M | ||
| Total Common Shares Outstanding | 8.10M | 8.10M | ||
| Book Value Per Share | 19.90 | 19.93 | ||
| Tangible Book Value | 161.10M | 161.23M | 85.51M | 87.25M |
| Tangible Book Value Per Share | 19.90 | 19.91 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|
| Net Income | 257.69K | 232.69K | -1.96M | 1.49M |
| Depreciation & Amortization | 875.45K | 827.45K | 864.87K | 621.79K |
| Gain (Loss) on Sale of Assets | -345.26K | -345.26K | -118.75K | |
| Gain (Loss) on Sale of Investments | -176.87K | -154.87K | -246.73K | -1.06M |
| Total Asset Writedown | 162.52K | |||
| Provision for Credit Losses | 540.00K | 540.00K | 468.00K | |
| Accrued Interest Receivable | -328.01K | 30.99K | -212.51K | -226.81K |
| Change in Accounts Payable | -1.51M | -486.87K | 259.10K | 1.88M |
| Change in Other Net Operating Assets | 437.74K | 1.17M | -554.27K | -1.15M |
| Other Operating Activities | -2.70M | -556.36K | -1.24M | -3.60M |
| Operating Cash Flow | -2.78M | 1.25M | -2.77M | -1.94M |
| Capital Expenditures | -881.11K | -1.04M | -978.35K | -717.15K |
| Cash Acquisitions | -567.36K | -567.36K | ||
| Investment in Securities | 20.68M | 23.19M | 43.95M | 9.74M |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -34.55M | -27.52M | -50.79M | -10.12M |
| Other Investing Activities | -4.52M | 3.18M | -3.84M | |
| Investing Cash Flow | -20.47M | -2.76M | -11.66M | -1.10M |
| Long-Term Debt Issued | 307.06K | 667.30K | ||
| Long-Term Debt Repaid | -207.80K | |||
| Net Debt Issued (Repaid) | 185.06K | 307.06K | 667.30K | -207.80K |
| Issuance of Common Stock | 79.35M | 79.35M | ||
| Repurchase of Common Stock | -6.48M | -6.48M | ||
| Net Increase (Decrease) in Deposit Accounts | -44.62M | -35.74M | 4.42M | -25.42M |
| Other Financing Activities | -3.66M | -3.66M | ||
| Financing Cash Flow | 24.78M | 33.78M | 5.08M | -25.63M |
| Net Cash Flow | 1.54M | 32.27M | -9.35M | -28.67M |
| Free Cash Flow | -3.66M | 201.99K | -3.75M | -2.66M |
| Free Cash Flow Margin | -21.30% | 1.37% | -36.34% | -22.95% |
| Free Cash Flow Per Share | -0.45 | 0.03 | ||
| Cash Interest Paid | 4.70M | 6.32M | 6.87M | 3.94M |
| Cash Income Tax Paid | 50.00K | 580.00K |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|
| Market Capitalization | 152.22M | 117.32M | ||
| Last Close Price | 18.80 | 14.49 | ||
| PE Ratio | 590.73 | 504.21 | ||
| PS Ratio | 8.86 | 7.95 | ||
| PB Ratio | 0.94 | 0.73 | ||
| P/FCF Ratio | 580.86 | |||
| P/OCF Ratio | 94.23 | |||
| Debt / Equity Ratio | 0.02 | 0.02 | 0.03 | 0.03 |
| Debt / FCF Ratio | 15.15 | |||
| Net Debt / Equity Ratio | -0.14 | -0.28 | -0.16 | -0.27 |
| Net Debt / FCF Ratio | 6.24 | -224.79 | 3.69 | 8.94 |
| Return on Equity (ROE) | 0.21% | 0.19% | -2.26% | |
| Return on Assets (ROA) | 0.06% | 0.05% | -0.44% | |
| Earnings Yield | 0.17% | 0.20% | ||
| FCF Yield | -2.40% | 0.17% |