Hoyne Bancorp, Inc. (HYNE) fair value: what the stock is really worth
As of Oct 28, 2026: fair value (intrinsic value) of Hoyne Bancorp, Inc. stock $14.47, price $18.71, upside -22.7%, quality 52 out of 100. Rating: overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Oct 28, 2026.
How to read this chart
11‑month range $13.67 – $18.71 · fair‑value band $11.49 – $19.16 · the $18.71 price screens above the $14.47 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 28, 2026.
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Hoyne Bancorp, Inc. operates as the bank holding company for Hoyne Savings Bank that provides various financial products and services in the United States. The company offers money market, checking, savings, and certificates of deposit accounts; and individual retirement accounts.
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It also provides commercial real estate loans, business lines of credit, business loans, and construction loans. Hoyne Bancorp, Inc. was founded in 1887 and is headquartered in Oak Park, Illinois.
Stock analysis
Hoyne Bancorp, Inc. (HYNE) currently trades at $18.71, while our model-based Fair Value estimate is $14.47, 22.7% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $14.47 per share, and 1 of the 4 models we run sit above the $18.71 price.
Bear case: the Economic Profit group reads lowest at $11.15, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $11.49 (bear) to $19.16 (bull), the price of $18.71 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Hoyne Bancorp, Inc. Common Stock reported revenue of $21.6M in FY2025 versus $16.1M in FY2023, a compound +15.9%/yr. Reported net income was $233K in FY2025, compounding −60.5%/yr from FY2023.
Key figures
Market cap $140M Micro · P/E ratio 374.2 · P/S ratio 8.13 · EPS (TTM) $0.0500 · Net margin 1.5% · Return on equity 0.2% · Return on assets (EBIT) −0.3% · Operating margin 4.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 21 out of 100 (low confidence).
What moves the price
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at −23%, HYNE screens cheaper than that median.
Fair Value models
Bear$11.49Fair Value $14.47Bull$19.16
Price $18.71 · Upside -22.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.0414 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.85/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: only 3 usable fiscal years, at least 4 required
not computed
Growth Forecast
A lot of optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
more than +80 %
Yearly growth needed for the next five years to justify today's price.
Compare Hoyne Bancorp, Inc. Common Stock with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1064 stocks
Beats the industry median on 2/10 measures
Overall it trails its industry peers.
Valuation
Quality Score52 · Below median
Fair Value upside−22.7% · Below median
Profitability
Return on equity (12 months)0.2% · Bottom 25%
Return on assets0.1% · Bottom 25%
Net margin (12 months)1.5% · Bottom 25%
Operating margin (12 months)4.1% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)36.1% · Top 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Hoyne Bancorp, Inc. Common Stock Fair Value". https://www.fairvalue-calculator.com/stock/HYNE
Frequently asked questions
Is Hoyne Bancorp, Inc. (HYNE) overvalued or undervalued?
As of Oct 28, 2026, our model estimates a fair value of $14.47 versus a price of $18.71, about −23% upside (overvalued).
What is the fair value of HYNE?
Our model-based fair value for Hoyne Bancorp, Inc. Common Stock is $14.47 (as of Oct 28, 2026), built from audited fundamentals. The current price: $18.71.
What is the quality score of HYNE?
Hoyne Bancorp, Inc. Common Stock has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Hoyne Bancorp, Inc. (HYNE)?
Our model-based price target is the fair value of $14.47 (as of Oct 28, 2026) from 4 valuation models. Cautious scenario $11.49, optimistic scenario $19.16. It is a calculation from audited fundamentals, not an analyst target.
What is the Hoyne Bancorp, Inc. Common Stock stock forecast for 2026?
Our models put fair value at $14.47, about −23% upside versus a price of $18.71 (overvalued). Cautious scenario $11.49, optimistic scenario $19.16. The calculation is refreshed regularly with new filings.
What is the revenue of Hoyne Bancorp, Inc. (HYNE)?
Hoyne Bancorp, Inc. Common Stock reported trailing-twelve-month revenue of about $17.2M (latest available figure, as of Oct 28, 2026).
What growth is priced into Hoyne Bancorp, Inc. (HYNE)?
For today's price to be fair in a discounted-cash-flow model, Hoyne Bancorp, Inc. Common Stock would have to grow free cash flow by more than 80 % per year for five years (discount rate 12.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 2 years revenue grew +16.0 % per year. As of Oct 28, 2026.
What discount rate (WACC) does the fair value of HYNE use?
Our models discount Hoyne Bancorp, Inc. Common Stock at 12.7 %: a base by market capitalisation (micro), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Hoyne Bancorp, Inc. Common Stock that is more than 80 % per year a year over ten years, using the same discount rate (12.7 %) and the same formula as our fair value.
How much growth has Hoyne Bancorp, Inc. (HYNE) delivered so far?
Over the past 2 years revenue at Hoyne Bancorp, Inc. Common Stock grew +16.0 % a year. The price currently implies more than 80 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Hoyne Bancorp, Inc. (HYNE) growing?
The median revenue growth in the sector is +9.0 % a year. That is the yardstick for the growth priced into Hoyne Bancorp, Inc. Common Stock (more than 80 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Hoyne Bancorp, Inc. (HYNE)?
The free-cash-flow yield on the price is 0.14 %: that much free cash flow Hoyne Bancorp, Inc. Common Stock produces per unit of market value. When it exceeds the discount rate of our models (12.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Hoyne Bancorp, Inc. (HYNE)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Hoyne Bancorp, Inc. Common Stock it is $14.47 per share (as of Oct 28, 2026), against a price of $18.71. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Hoyne Bancorp, Inc. Common Stock stock overvalued or undervalued in 2026?
As of Oct 28, 2026, HYNE trades above its calculated fair value: price $18.71, fair value $14.47, a gap of about −23% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of HYNE?
No. The price is what the market pays today ($18.71); the fair value is what the company's own numbers justify ($14.47). For Hoyne Bancorp, Inc. Common Stock the two are $4.24 per share apart. That gap is exactly why we show both numbers side by side.
How much is Hoyne Bancorp, Inc. Common Stock worth?
The market values Hoyne Bancorp, Inc. Common Stock at about $140M (market capitalisation, as of Oct 28, 2026). Per share that is $18.71; our models calculate a fair value of $14.47 per share.
What do the bullish and bearish scenarios say about HYNE?
Our models span a range for Hoyne Bancorp, Inc. Common Stock: cautious scenario $11.49, base $14.47, optimistic $19.16 per share (as of Oct 28, 2026, price $18.71). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of HYNE?
Hoyne Bancorp, Inc. Common Stock trades at a price-to-earnings ratio of 374.2 (as of Oct 28, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $14.47 is built from several models across several years. Other multiples: P/B 0.9, P/S 8.1.
How solid is the balance sheet of Hoyne Bancorp, Inc. (HYNE)?
Balance-sheet figures for Hoyne Bancorp, Inc. Common Stock (as of Oct 28, 2026): return on equity 0.2%. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
Which stocks are comparable to Hoyne Bancorp, Inc. Common Stock?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Hoyne Bancorp, Inc. Common Stock stock attractive at the current price?
The data as of Oct 28, 2026: price $18.71, calculated fair value $14.47 (−23%), Quality Score 52/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of HYNE calculated?
We run Hoyne Bancorp, Inc. Common Stock through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $14.47, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.4 % above its aggregate fair value. Hoyne Bancorp, Inc. Common Stock itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Hoyne Bancorp, Inc. (HYNE)?
The closing price on Oct 28, 2026 was $18.71. Our model-based fair value is $14.47, about −23% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Hoyne Bancorp, Inc. Common Stock right now?
Solid but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Hoyne Bancorp, Inc. Common Stock
How large is the market capitalisation of Hoyne Bancorp, Inc. (HYNE)?
The market capitalisation of Hoyne Bancorp, Inc. Common Stock is $140M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Hoyne Bancorp, Inc. (HYNE)?
The price-to-sales ratio of Hoyne Bancorp, Inc. Common Stock is 8.13 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Hoyne Bancorp, Inc. (HYNE)?
Earnings per share at Hoyne Bancorp, Inc. Common Stock are $0.0500 (price ÷ EPS = P/E 374.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Hoyne Bancorp, Inc. (HYNE)?
The net margin of Hoyne Bancorp, Inc. Common Stock is 1.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Hoyne Bancorp, Inc. (HYNE)?
The return on equity (ROE) of Hoyne Bancorp, Inc. Common Stock is 0.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Hoyne Bancorp, Inc. (HYNE)?
On an EBIT basis the return on assets of Hoyne Bancorp, Inc. Common Stock is −0.3% (avg 3y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Hoyne Bancorp, Inc. (HYNE)?
The operating margin of Hoyne Bancorp, Inc. Common Stock is 4.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Hoyne Bancorp, Inc. (HYNE)?
Revenue at Hoyne Bancorp, Inc. Common Stock is growing +36.1% versus a year earlier. How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much net cash does Hoyne Bancorp, Inc. (HYNE) hold?
Hoyne Bancorp, Inc. Common Stock holds more cash than debt, $47.6M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Oct 28, 2026