1.Sales and profit
See section →- Hoyne Bancorp, Inc. had $15.3M of revenue in fiscal 2025, up 41.8% on the year before.
- Hoyne Bancorp, Inc. made $0.2M of net profit in fiscal 2025.
Hoyne Bancorp, Inc.
HYNE Nasdaq Savings Institutions, Not Federally Chartered Financials FY2024–FY2025
Hoyne Bancorp, Inc. had $15.3M of revenue in fiscal 2025, up 41.8% on the year before.
Last close · Oct 23, 2026
$17.62
0.4%KIRA’s summary AI analyst
Hi! I read Hoyne Bancorp, Inc.’s latest annual report (fiscal 2025). Here is what stands out:
2 strengths 1 to watch
2.Cash and shareholders
See section →- In the last 12 months, insiders bought $2.3M of shares on the open market and sold none.
3.Financial health
See section →- It earned 0.2% on shareholders’ money. Running costs took 96.4% of revenue (the efficiency ratio; lower is better).
Hoyne Bancorp, Inc. in 30 seconds
Good So-so Weak
Good
Are sales growing?
+41.8%
Yes. Sales grew 41.8% last year.
So-so
Does it make a profit?
1.5%
A little. It keeps 1.5% of every sale as profit.
Weak
How lean are its costs?
96.4%
Costly. Running costs take 96.4% of revenue.
Weak
How much does it earn on its capital?
0.2%
Low. It earns 0.2% a year on shareholders’ money.
Rules of thumb on reported numbers. A starting point, not a recommendation.
Key numbers, fiscal 2025
Market cap
Last close times the latest diluted share count, so it is approximate.
$131M
Oct 23 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
—
On $0.03 EPS (TTM)
Charts by
Sales and profit
Is it selling more, and how much does it keep?
Revenue and margins
KIRA · Hoyne Bancorp, Inc. had $15.3M of revenue in fiscal 2025, up 41.8% on the year before.
In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).
Revenue
FY24
Revenue $10.8M
FY25
Revenue $15.3M
Revenue
Q3 '24
Revenue $2.7M
Q4 '24
Revenue $3.2M
Q1 '25
Revenue $3.3M
Q2 '25
Revenue $3.6M
Q3 '25
Revenue $3.6M
Q4 '25
Revenue $4.8M
Q1 '26
Revenue $4.5M
Q2 '26
Revenue $4.8M
Net interest income share and efficiency ratio
FY24
Net interest share 90.0%
Efficiency ratio 123.4%
FY25
Net interest share 92.0%
Efficiency ratio 96.4%
Net interest share
Efficiency ratio
Net interest income share and efficiency ratio
Q3 '24
Net interest share 89.4%
Efficiency ratio 119.8%
Q4 '24
Net interest share 90.1%
Efficiency ratio 117.4%
Q1 '25
Net interest share 91.0%
Efficiency ratio 103.2%
Q2 '25
Net interest share 93.9%
Efficiency ratio 90.9%
Q3 '25
Net interest share 93.6%
Efficiency ratio 93.7%
Q4 '25
Net interest share 88.0%
Efficiency ratio 97.9%
Q1 '26
Net interest share 93.8%
Efficiency ratio 100.9%
Q2 '26
Net interest share 91.8%
Efficiency ratio 94.2%
Net interest share
Efficiency ratio
Net income and earnings per share
KIRA · Hoyne Bancorp, Inc. made $0.2M of net profit in fiscal 2025.
Loss periods are shown in red.
In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.
Net income
FY24
Net income −$2.0M
FY25
Net income $0.2M
Net income
Q3 '24
Net income −$0.4M
Q4 '24
Net income −$0.4M
Q1 '25
Net income −$0.2M
Q2 '25
Net income $0.1M
Q3 '25
Net income $0.1M
Q4 '25
Net income $0.2M
Q1 '26
Net income −$0.1M
Q2 '26
Net income $0.1M
Diluted EPS
FY24
Diluted EPS —
FY25
Diluted EPS $0.03
Diluted EPS
Q3 '24
Diluted EPS —
Q4 '24
Diluted EPS —
Q1 '25
Diluted EPS —
Q2 '25
Diluted EPS —
Q3 '25
Diluted EPS —
Q4 '25
Diluted EPS —
Q1 '26
Diluted EPS −$0.02
Q2 '26
Diluted EPS $0.01
Cash and shareholders
How much cash comes in, and where does it go?
Dividends, buybacks and share count
In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).
Dividends and buybacks
FY24
Dividends —
Buybacks —
FY25
Dividends —
Buybacks —
Dividends
Buybacks
Diluted shares outstanding (annual)
FY24
Diluted shares —
FY25
Diluted shares 0.01B
Insider trades
KIRA · In the last 12 months, insiders bought $2.3M of shares on the open market and sold none.
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.
In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.
Bought, 12 months
$2.3M
10 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
| Date | Insider | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Aug 28, 2026 | Steven F. RosenbaumDirector | Bought | 200 | $16.56 | $0.0M | Form 4 |
| Aug 25, 2026 | Walter F HealyPresident, CEO and Director, Director | Bought | 1,500 | $16.59 | $0.0M | Form 4 |
| Aug 24, 2026 | Walter F HealyPresident, CEO and Director, Director | Bought | 48 | $16.36 | $0.0M | Form 4 |
| Jun 11, 2026 | Walter F HealyPresident, CEO and Director, Director | Bought | 1,537 | $16.28 | $0.0M | Form 4 |
| Jun 11, 2026 | Thomas S. ManfreEVP and CFO | Bought | 61 | $16.28 | $0.0M | Form 4 |
| May 20, 2026 | Steven F. RosenbaumDirector | Bought | 400 | $15.63 | $0.0M | Form 4 |
| Dec 5, 2025 | Thomas S. ManfreEVP and CFO | Bought | 16,242 | $13.84 | $0.2M | Form 4 |
| Dec 4, 2025 | Walter F HealyPresident, CEO and Director, Director | Bought | 14,284 | $13.66 | $0.2M | Form 4 |
| Dec 3, 2025 | Thomas S. ManfreEVP and CFO | Bought | 1,975 | $10.00 | $0.0M | Form 4 |
| Dec 3, 2025 | Walter F HealyPresident, CEO and Director, Director | Bought | 23,925 | $10.00 | $0.2M | Form 4 |
| Dec 3, 2025 | Timothy S BreemsDirector | Bought | 15,000 | $10.00 | $0.2M | Form 4 |
| Dec 3, 2025 | Anthony M. VaccarelloDirector | Bought | 10,000 | $10.00 | $0.1M | Form 4 |
| Dec 3, 2025 | Theodore C. WiemannDirector | Bought | 25,000 | $10.00 | $0.3M | Form 4 |
| Dec 3, 2025 | Steven F. RosenbaumDirector | Bought | 30,000 | $10.00 | $0.3M | Form 4 |
| Dec 3, 2025 | Paula M. CarstensenDirector | Bought | 20,000 | $10.00 | $0.2M | Form 4 |
| Dec 3, 2025 | Judith A. GonschDirector | Bought | 30,000 | $10.00 | $0.3M | Form 4 |
| Dec 3, 2025 | Janet H. WinninghamDirector | Bought | 20,000 | $10.00 | $0.2M | Form 4 |
| Dec 3, 2025 | David M. OpasDirector | Bought | 10,000 | $10.00 | $0.1M | Form 4 |
Financial health
Can it carry its debts, and how well does it use its money?
Balance sheet
Loans, deposits and capital at each fiscal year end.
In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.
Loans and deposits
FY24
Loans $241M
Deposits $357M
FY25
Loans $268M
Deposits $322M
Loans
Deposits
| Fiscal year end | FY24 | FY25 |
|---|---|---|
| Loans, net | $241M | $268M |
| Deposits | $357M | $322M |
| Loans / deposits | 67.4% | 83.3% |
| Total assets | $450M | $489M |
| Shareholders' equity | $85.8M | $161M |
| Intangible assets | $0.3M | $0.1M |
| Provision / loans | 0.2% | 0.2% |
Returns and efficiency
KIRA · It earned 0.2% on shareholders’ money. Running costs took 96.4% of revenue (the efficiency ratio; lower is better).
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
In plain words: Return on equity is the profit made on shareholders’ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.
Return on equity, return on tangible equity and efficiency ratio
FY24
ROE −2.3%
ROTE −2.3%
Efficiency ratio 123.4%
FY25
ROE 0.2%
ROTE 0.1%
Efficiency ratio 96.4%
ROE
ROTE
Efficiency ratio
All figures
Every number, year by year.
2 years of figures
Amounts in USD. Hover a ratio’s name for its definition.
In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.
| Fiscal year | FY24 | FY25 |
|---|---|---|
| Income statement | ||
| Revenue | $10.8M | $15.3M |
| Net interest income | $9.7M | $14.1M |
| Noninterest income | $1.1M | $1.2M |
| Noninterest expense | $13.3M | $14.8M |
| Provision for credit losses | $0.5M | $0.5M |
| Pretax income | −$3.0M | $0.0M |
| Income tax | −$1.0M | −$0.2M |
| Net income | −$2.0M | $0.2M |
| Diluted EPS | — | $0.03 |
| Diluted shares | — | 0.01B |
| Cash flow | ||
| Cash from operations | −$2.8M | $1.2M |
| Capital expenditure | $1.0M | $1.0M |
| Free cash flow | −$3.8M | $0.2M |
| Stock-based compensation | — | $0.0M |
| Balance sheet | ||
| Cash and short-term investments | $15.3M | $47.6M |
| Finance lease liabilities | $0.1M | $0.0M |
| Loans, net | $241M | $268M |
| Deposits | $357M | $322M |
| Property and equipment, net | $7.7M | $7.4M |
| Intangible assets | $0.3M | $0.1M |
| Total assets | $450M | $489M |
| Total liabilities | $364M | $328M |
| Shareholders' equity | $85.8M | $161M |
| Margins | ||
| Net margin | −18.1% | 1.5% |
| FCF margin | −34.8% | 1.3% |
| Net interest share of revenue | 90.0% | 92.0% |
| Efficiency ratio | 123.4% | 96.4% |
| Returns | ||
| Return on equity | −2.3% | 0.2% |
| Return on assets | −0.4% | 0.0% |
| Return on tangible equity | −2.3% | 0.1% |
| Growth | ||
| Revenue growth | — | 41.8% |
| Financial health | ||
| Loans / deposits | 67.4% | 83.3% |
| Provision / loans | 0.2% | 0.2% |
| Capital allocation | ||
| Capex / revenue | 9.1% | 6.8% |
| Stock comp / revenue | — | 0.2% |
| Quality scores | ||
| Accruals ratio | 0.2% | −0.2% |
Source: SEC EDGAR XBRL filings (CIK 0002073153). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.