Hoyne Bancorp (HYNE)
Market Price (12/18/2025): $13.66 | Market Cap: $-Sector: Financials | Industry: Regional Banks
Hoyne Bancorp (HYNE)
Market Price (12/18/2025): $13.66Market Cap: $-Sector: FinancialsIndustry: Regional Banks
Investment Highlights
Why It Matters
Which of these 2 stories sounds closer for this stock?
1. Generates cash flow
The stock generated 4% or more of the share price (called cash flow yield), and shows moderate 10-15% or more growth.
2. Riding a trend
Think Tesla during the pandemic of 2020 when EVs were riding a cultural high, or Nvidia in the current AI boom, or even Figma. These companies don’t have enough yield, or, enough growth, or both - however - they are riding a trend. They have momentum. These can be more volatile - they don’t have the floor of strong cash flow
| Megatrend and thematic driversMegatrends include Local & Community Banking. Themes include Community Lending, Local Deposit Solutions, and Personalized Financial Services. | Not cash flow generativeCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -11%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -16% |
| Key risksHYNE key risks include credit quality deterioration from [1] a potential overconcentration in its commercial real estate and consumer loan portfolios and [2] elevated delinquencies already noted in consumer credit cards. |
| Megatrend and thematic driversMegatrends include Local & Community Banking. Themes include Community Lending, Local Deposit Solutions, and Personalized Financial Services. |
| Not cash flow generativeCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -11%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -16% |
| Key risksHYNE key risks include credit quality deterioration from [1] a potential overconcentration in its commercial real estate and consumer loan portfolios and [2] elevated delinquencies already noted in consumer credit cards. |
Valuation, Metrics & Events
HYNE Stock
Why The Stock Moved
Qualitative Assessment
AI Generated Analysis | Feedback
1. Member Approval of Conversion and Oversubscribed Offering
On November 14, 2025, Hoyne Bancorp announced that its members had approved the Plan of Conversion. Additionally, the Subscription Offering, which concluded on November 5, 2025, was reported as oversubscribed in its first category by eligible account holders.
2. Closing of Conversion and Stock Offering
Hoyne Bancorp, Inc. announced the closing of its conversion from a mutual holding company structure to a stock holding company structure and its associated stock offering on December 3, 2025. The company sold 7,935,000 shares of common stock at a price of $10.00 per share, generating gross offering proceeds of approximately $79.4 million.
Stock Movement Drivers
Return vs. Risk
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| HYNE Return | � | � | � | � | � | � | � |
| Peers Return | 24% | 42% | -20% | 22% | 16% | 10% | 118% |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 14% | 108% |
Monthly Win Rates [3] | |||||||
| HYNE Win Rate | � | � | � | � | � | � | |
| Peers Win Rate | 55% | 62% | 47% | 45% | 60% | 55% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 73% | |
Max Drawdowns [4] | |||||||
| HYNE Max Drawdown | � | � | � | � | � | � | |
| Peers Max Drawdown | -54% | -6% | -34% | -31% | -15% | -25% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: USB, TFC, AX, LOB, AMAL.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/17/2025 (YTD)
How Low Can It Go
HYNE has limited trading history. Below is the Financials sector ETF (XLF) in its place.
| Event | XLF | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -26.9% | -25.4% |
| % Gain to Breakeven | 36.7% | 34.1% |
| Time to Breakeven | 525 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -43.3% | -33.9% |
| % Gain to Breakeven | 76.5% | 51.3% |
| Time to Breakeven | 295 days | 148 days |
| 2018 Correction | ||
| % Loss | -26.1% | -19.8% |
| % Gain to Breakeven | 35.2% | 24.7% |
| Time to Breakeven | 338 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -83.7% | -56.8% |
| % Gain to Breakeven | 515.2% | 131.3% |
| Time to Breakeven | 4,470 days | 1,480 days |
Compare to
In The Past
SPDR Select Sector Fund's stock fell -26.9% during the 2022 Inflation Shock from a high on 1/12/2022. A -26.9% loss requires a 36.7% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth over time.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
Trade Ideas
Select past ideas related to HYNE. For more, see Trefis Trade Ideas.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 11212025 | WU | Western Union | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 14.1% | 14.1% | -0.4% |
| 11212025 | COIN | Coinbase Global | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 5.1% | 5.1% | 0.0% |
| 11142025 | PYPL | PayPal | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -2.4% | -2.4% | -7.5% |
| 11142025 | V | Visa | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 4.6% | 4.6% | -2.7% |
| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -9.0% | -9.0% | -11.0% |
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 11212025 | WU | Western Union | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 14.1% | 14.1% | -0.4% |
| 11212025 | COIN | Coinbase Global | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 5.1% | 5.1% | 0.0% |
| 11142025 | PYPL | PayPal | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -2.4% | -2.4% | -7.5% |
| 11142025 | V | Visa | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 4.6% | 4.6% | -2.7% |
| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -9.0% | -9.0% | -11.0% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons for Hoyne Bancorp
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 43.09 |
| Mkt Cap | 4.9 |
| Rev LTM | 889 |
| Op Inc LTM | - |
| FCF LTM | 495 |
| FCF 3Y Avg | 384 |
| CFO LTM | 523 |
| CFO 3Y Avg | 420 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 8.4% |
| Rev Chg 3Y Avg | 9.5% |
| Rev Chg Q | 9.8% |
| QoQ Delta Rev Chg LTM | 2.4% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 37.3% |
| CFO/Rev 3Y Avg | 38.2% |
| FCF/Rev LTM | 36.7% |
| FCF/Rev 3Y Avg | 38.2% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 4.9 |
| P/S | 2.9 |
| P/EBIT | - |
| P/E | 11.1 |
| P/CFO | 7.6 |
| Total Yield | 13.5% |
| Dividend Yield | 2.0% |
| FCF Yield 3Y Avg | 17.3% |
| D/E | 0.3 |
| Net D/E | -0.7 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 18.2% |
| 3M Rtn | 9.5% |
| 6M Rtn | 26.9% |
| 12M Rtn | 12.4% |
| 3Y Rtn | 46.9% |
| 1M Excs Rtn | 17.5% |
| 3M Excs Rtn | 6.8% |
| 6M Excs Rtn | 14.5% |
| 12M Excs Rtn | -1.3% |
| 3Y Excs Rtn | -30.5% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 9302025 | 11132025 | 10-Q 9/30/2025 |
| 3312025 | 6172025 | S-1 3/31/2025 |
| 12312024 | 10022025 | 424B3 12/31/2024 |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |