Hoyne Bancorp Inc. Common Stock (HYNE)

FairStock Score: 49/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Buffett/Graham-style investor, I want banks that earn a durable return on equity and trade at a sensible multiple of book. At the $16.84 close on 2026-10-13, FairStock calculates a P/B of 0.85 and a P/E of 336.8. The P/B looks cheap, but ROE is only 0.21%, so the bank is earning almost nothing on shareholders' capital. Earnings are also erratic: filed results show a net loss of $2.0 million in FY2024 (period ended 2024-12-31), net income of $232,690 in FY2025 (period ended 2025-12-31), a loss of $118,352 in fiscal Q1 2026 (quarter ended 2026-03-31), and net income of $96,000 in fiscal Q2 2026 (quarter ended 2026-06-30). The latest quarter's margin was 1.99%, and the Piotroski F-Score is 3/9. The Lynch category is none because only two years of filed results are available. Hoyne has operated since 1887 and runs a 61-employee savings bank, which may give it local deposit relationships, but I see no evidence of a durable moat. More importantly, bank-specific measures such as CET1, net interest margin, nonperforming loans, credit-loss provisions, and deposit costs are not in the data, so I cannot underwrite leverage or credit risk. A sub-book price can be a value trap if returns stay near zero. The FairStock Score is 49/100. I would need consistent positive earnings, a much higher ROE, and clearer credit metrics before treating this as a true bargain. For now, the price may be low, but the business quality does not yet justify confidence.

In plain English: Hoyne Bancorp is a small Illinois bank holding company that takes deposits and makes loans, mainly business and real estate loans. Its profits have been tiny and uneven: it lost money in 2024, made a small profit in 2025, and has swung between small losses and small profits by quarter. The stock price looks low compared with the bank's accounting value, but because the bank earns very little on its money, that low price may be a warning rather than a true bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer