HYNE
Financial ServicesHoyne Bancorp, Inc. Common Stock · Banks - Regional · $120M
HYNE — Key Takeaways
✅ Strengths
⚠️ Areas of Concern
HYNE — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| Apr 8, 2026 | 26.3 | 1.8 | 12.0 | 85.5 | 36.4 | 1.8 | 0.0 |
| Apr 7, 2026 | 26.3 | 1.8 | 12.0 | 85.5 | 36.4 | 1.9 | 0.0 |
| Apr 6, 2026 | 26.3 | 1.8 | 12.0 | 85.5 | 36.4 | 1.9 | 0.0 |
| Apr 5, 2026 | 26.3 | 1.8 | 12.0 | 85.5 | 36.4 | 1.9 | 0.0 |
| Apr 4, 2026 | 26.3 | 1.8 | 12.0 | 85.5 | 36.4 | 1.9 | 0.0 |
| Apr 3, 2026 | 26.3 | 1.8 | 12.0 | 85.5 | 36.4 | 1.9 | 0.0 |
| Apr 2, 2026 | 26.3 | 1.8 | 12.0 | 85.5 | 36.4 | 1.9 | — |
HYNE — Pillar Breakdown
Quality
— 1.8/100 (25%)Hoyne Bancorp, Inc. Common Stock currently shows below-average quality metrics, suggesting challenges with profitability.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 85.5/100 (20%)Hoyne Bancorp, Inc. Common Stock is growing rapidly with strong revenue and earnings expansion.
Revenue trajectory over the last twelve months.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Risk
— 36.4/100 (15%)Hoyne Bancorp, Inc. Common Stock has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 1.8/100 (15%)Hoyne Bancorp, Inc. Common Stock appears expensively valued relative to its fundamentals and growth prospects.
Inverse of forward P/E — higher yield means cheaper stock.
Moat
— 12/100 (30%)Hoyne Bancorp, Inc. Common Stock operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for HYNE.
Score Composition
More Stock Analysis
How is the HYNE UQS Score Calculated?
The UQS (Unified Quality Score) for Hoyne Bancorp, Inc. Common Stock is calculated using a proprietary 5-pillar framework with 25 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Hoyne Bancorp, Inc. Common Stock's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Hoyne Bancorp, Inc. Common Stock is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.