Stock fact sheet · data as of
Hoyne Bancorp, Inc. Common Stock (HYNE): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Blend
Is HYNE undervalued?
Hoyne Bancorp, Inc. Common Stock (HYNE) closed at 16.80 on 16 Oct 2026, 1771% above the GLS average fair value of 0.8980. 6 of the 6 models that produced a number value the shares below the current price. A gap this wide usually means the market is paying for growth or a story the trailing numbers do not show yet; the models work from filed results, not forecasts, so they are conservative by design.
The 6 models disagree widely: GLS Growth gives 0.0426 while Graham Number gives 4.03. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files HYNE under Blend.
Nine valuation models for HYNE
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 0.2715 | -98% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 4.03 | -76% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 0.5391 | -97% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 0.1337 | -99% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 0.0426 | -100% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 0.3713 | -98% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -28.22 | -268% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - HYNE passes 5 of the nine Piotroski tests, which falls one point short of the Sunday Scan's "6 or more" rule. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is low at 4.8 out of 10, which says the ten-year record of revenue, earnings, margins and returns on capital has been inconsistent - growth and shocks rather than steady compounding.
Returns on capital are thin or negative - ROIC 0.1%, ROE 0.1%, ROA 0.0% - with debt at 0.00 times equity and negative free cash flow.
Hoyne Bancorp, Inc. Common Stock pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 3/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 0.1% |
|---|---|---|---|
| GLS Moat | 4.8 / 10 | ROE | 0.1% |
| Debt / equity | 0.00 | ROA | 0.0% |
| Free-cash-flow yield | -1.1% | Payout ratio | 0% |
| Institutions | 3 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 24: No options
HYNE has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (24 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 11k shares a day on a market cap of $125M, with a beta of 0.45 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 0 / 25 | -1771% margin of safety | |
| Health | 11 / 20 | Piotroski 5/9 | |
| Moat | 7 / 15 | moat 4.8/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 11k shares/day, $125M cap, beta 0.45 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for HYNE in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Hoyne Bancorp, Inc. Common Stock by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| BOTJ Bank of the James Financial Group, Inc. | 26.99 | 33.57 | +20% | 39No options | $123M |
| MGYR Magyar Bancorp, Inc. | 19.89 | 34.82 | +43% | 39No options | $128M |
| CWBK CW Bancorp | 41.74 | 110.97 | +62% | 39No options | $122M |
| JFBC Jeffersonville Bancorp | 28.62 | 54.99 | +48% | 39No options | $121M |
| KTHN Katahdin Bankshares Corp. | 38.00 | 48.84 | +22% | 39No options | $121M |
| SOMC Southern Michigan Bancorp, Inc. | 28.90 | 51.55 | +44% | 39No options | $130M |
| BBNA Bonvenu Bancorp, Inc. | 18.50 | 20.40 | +9% | 39No options | $121M |
| CMHF Community Heritage Financial, Inc. | 40.74 | 37.65 | -8% | 31No options | $120M |
| FKYS First Keystone Corporation | 19.99 | 18.60 | -7% | 34No options | $131M |
| RVSB Riverview Bancorp, Inc. | 6.01 | 6.83 | +12% | 45Weak | $120M |
| MPCB Mountain Pacific Bancorp Inc | 17.13 | 54.80 | +69% | 39No options | $120M |
| CNBP Cornerstone Bancorp Inc. | 120.00 | 136.75 | +12% | 39No options | $118M |
⚖ Compare HYNE with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about HYNE
Is HYNE undervalued right now?
No: at 16.80 the stock trades 1771% above the GLS average fair value of 0.8980 (data as of 16 Oct 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of HYNE and what does it mean?
HYNE has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for HYNE?
0.8980 per share as of 16 Oct 2026 - the simple average of the 6 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Hoyne Bancorp, Inc. Common Stock report earnings next?
No upcoming earnings date is recorded for HYNE in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does HYNE have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on HYNE, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.