Hoyne Bancorp, Inc. (HYNE)
Hoyne Bancorp, Inc. functions as the holding company for Hoyne Savings Bank, which delivers a comprehensive suite of financial products and services. Its deposit offerings encompass NOW accounts, money market accounts, savings accounts, and certificates of deposit. Furthermore, the company extends various credit solutions, including financing for commercial real estate (such as construction projects), commercial and industrial enterprises, mortgages for residential properties with one to four units, home equity loans and lines of credit, and other forms of consumer lending. This institution was established in 1887 and maintains its headquarters in Chicago, Illinois.
Sector: Savings Institutions, Not Federally Chartered
Industry: Banks - Regional
Hoyne Bancorp, Inc. Common Stock
NASDAQ:HYNEFinancial Services · Banks - Regional
+4.82%$18.47
AH Close$18.11-1.95%vs close
AH Close$18.11-1.95%vs close
Mkt Cap$149.55M
Float7.19M
O/S8.1M
Inst Own24.4%
SI3.3%
Dilution
Delisting Issues Timeline
Financials Summary
Revenue$21.59M
Net Income$233K
Total Assets$489.38M
Free Cash Flow$202K
Debt & Equity
Equity 100%
Total Debt$0
Total Equity$161.37M
Shares Outstanding
Short Interest
Split History
No splits on record
Nothing in HYNE's public trading history: no forward or reverse split has affected the share count.
Balance Sheet Details
Assets$489.38M
Liabilities$328.01M
Accounts Receivable$1.45M
Accounts Payable$3.4M
Inventory$0
PP&E (Net)$7.42M
Goodwill$0
Intangible Assets$138K
Income Statement
| Period | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|
| Currency | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
| Revenue | $21.59M | $18.46M | $16.06M |
| YoY Growth | 16.9% | 15.0% | - |
| Cost of Revenue | $6.82M | $7.55M | $4.47M |
| Gross Profit | $14.76M | $10.91M | $11.59M |
| Gross Margin | 68.4% | 59.1% | 72.2% |
| Research and Development | $0 | $0 | $0 |
| Selling, General, and Administrative | $6.19M | $7.03M | $8.25M |
| Other | $8.57M | $6.29M | $5.23M |
| Total Operating Expenses | $14.75M | $13.32M | $13.48M |
| Operating Income (EBIT) | $9K | -$2.41M | -$1.89M |
| Operating Margin | 0.0% | -13.1% | -11.8% |
| Interest Expense | $6.28M | $7.08M | $4.47M |
| Interest Income | $20.37M | $16.8M | $15.42M |
| Other Income (Expense) | $0 | $0 | $0 |
| Income Before Tax (EBT) | $9K | -$2.41M | -$1.89M |
| Income Tax Expense | -$224K | -$869K | -$3.38M |
| Net Income | $233K | -$1.54M | $1.49M |
| Net Income Margin | 1.1% | -8.4% | 9.3% |
| Supplementary Data | |||
| EPS | 0.03 | -0.22 | 0.22 |
| Diluted EPS | 0.03 | -0.22 | 0.22 |
| Weighted Average OS | 8.10M | 6.90M | 6.90M |
| EBITDA | $836K | -$1.55M | -$1.27M |
| EBITDA Margin | 3.9% | -8.4% | -7.9% |
Balance Sheet
| Period | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|
| Currency | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
| Assets | |||
| Current Assets | |||
| Cash and Cash Equivalents | $48.47M | $16.68M | $26.03M |
| Short-Term Investments | $67.46M | $116.55M | $136.89M |
| Cash and Short-Term Investments | $115.93M | $133.23M | $162.91M |
| Accounts Receivable | $1.45M | $1.48M | $1.27M |
| Inventory | $0 | $0 | $0 |
| Other Current Assets | $0 | $0 | $0 |
| Total Current Assets | $117.38M | $134.71M | $164.18M |
| Long-Term Assets | |||
| Property, Plant & Equipment Net | $7.42M | $7.75M | $7.59M |
| Goodwill | $0 | $0 | $0 |
| Intangible Assets | $138K | $322K | $506K |
| Long-Term Investments | $335.51M | $274.95M | $247.92M |
| Deferred Tax Assets | $9.37M | $10.64M | $9.58M |
| Other Long-Term Assets | $19.57M | $21.55M | $16.32M |
| Total Long-Term Assets | $372M | $315.21M | $281.92M |
| Other Assets | $0 | $0 | $0 |
| Total Assets | $489.38M | $449.93M | $446.1M |
| Liabilities | |||
| Current Liabilities | |||
| Accounts Payable | $3.4M | $0 | $0 |
| Short-Term Debt | $0 | $0 | $0 |
| Current Income Tax Payable | $0 | $0 | $0 |
| Current Unearned Revenue | $0 | $0 | $0 |
| Other Current Liabilities | $321.55M | $357.29M | $352.88M |
| Total Current Liabilities | $324.95M | $357.29M | $352.88M |
| Long-Term Liabilities | |||
| Long-Term Debt | $0 | $0 | $0 |
| Long-Term Unearned Revenue | $0 | $0 | $0 |
| Long-Term Deferred Tax Liabilities | $0 | $0 | $0 |
| Other Long-Term Liabilities | $3.06M | $6.39M | $5.46M |
| Total Long-Term Liabilities | $3.06M | $6.39M | $5.46M |
| Other Liabilities | $0 | $0 | $0 |
| Total Liabilities | $328.01M | $363.68M | $358.34M |
| Stockholders' Equity | |||
| Preferred Stock | $0 | $0 | $0 |
| Common Stock | $81K | $0 | $0 |
| Retained Earnings | $101.39M | $102.14M | $103.68M |
| Comprehensive Income & Other | -$10.89M | -$15.89M | -$15.92M |
| Other Stockholders' Equity | $59.9M | -$15.89M | -$15.92M |
| Total Equity | $161.37M | $86.25M | $87.76M |
| Minority Interest | $0 | $0 | $0 |
| Total Liabilities and Equity | $489.38M | $449.93M | $446.1M |
| Supplementary Data | |||
| Total Debt | $0 | $74K | $171K |
| Net Debt | -$48.47M | -$16.68M | -$26.03M |
Cash Flow Statement
| Period | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|
| Currency | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
| Operating Activities | |||
| Net Income | $233K | -$1.54M | $1.49M |
| Depreciation & Amortization | $827K | $865K | $622K |
| Deferred Income Tax | -$556K | -$1.07M | -$3.6M |
| Stock-Based Compensation | $30K | $0 | $0 |
| Changes in Working Capital: | |||
| Accounts Receivable | $31K | -$213K | -$227K |
| Inventory | $0 | $0 | $0 |
| Accounts Payable | $0 | $0 | $0 |
| Other Working Capital | -$531K | $276K | $1.07M |
| Total Working Capital Change | -$500K | $63K | $843K |
| Other Non-Cash Items | $1.21M | -$1.09M | -$1.3M |
| Net Cash from Operating | $1.25M | -$2.77M | -$1.94M |
| Investing Activities | |||
| Capital Expenditures | -$1.04M | -$978K | -$717K |
| Acquisitions | -$567K | $0 | $0 |
| Purchases of Investments | $0 | -$992K | -$11.63M |
| Sales of Investments | $23.19M | $43.95M | $21.52M |
| Other Investing Activities | -$24.34M | -$53.63M | -$10.27M |
| Net Cash from Investing | -$2.76M | -$11.66M | -$1.1M |
| Financing Activities | |||
| Debt Repaid | - | - | - |
| Common Stock Issuance | $0 | $0 | $0 |
| Common Stock Repurchases | -$6.48M | $0 | $0 |
| Dividends Paid | $0 | $0 | $0 |
| Other Financing Activities | $40.26M | $5.08M | -$25.63M |
| Net Cash from Financing | $33.78M | $5.08M | -$25.63M |
| Forex Effect | $0 | $0 | $0 |
| Net Change in Cash | $32.27M | -$9.35M | -$28.67M |
| Supplementary Data | |||
| Operating Cash Flow | $1.25M | -$2.77M | -$1.94M |
| Capital Expenditure | -$1.04M | -$978K | -$717K |
| Free Cash Flow | $202K | -$3.75M | -$2.66M |
| Cash at Beginning | $15.33M | $24.68M | $53.34M |
| Cash at End | $47.6M | $15.33M | $24.68M |