Hoyne Bancorp, Inc. (HYNE)
Financials · savings and loan holding companies · NASDAQ
A long-standing community-focused savings bank based in Cook County, Illinois, recently converted to a stock holding company.
What Hoyne Bancorp, Inc. does
Hoyne Bancorp, Inc. is a savings and loan holding company for Hoyne Savings Bank, an Illinois-chartered savings bank established in 1887. The bank operates six full-service banking offices and a loan production office in Cook County, Illinois, providing residential mortgages, commercial real estate loans, commercial construction loans, and commercial and industrial loans.
Themes: community banking, mortgage lending, commercial real estate lending
Fundamentals
- Price$17.11 as of 2026-10-20 close
- Market cap$139M as of 2026-08-11 (share count; price 2026-10-20)
- P/En/a not reported by our data source
- ROE+0.1% FY2025, SEC XBRL
- ROICn/a No figure: it is a bank or insurer, whose operating income and debt are not what ROIC divides.
- Debt / equityn/a No figure: its filing tags none of the debt lines we read, which is not evidence of zero debt.
- Beta0.10 as of 2026-09-03
- Last reported earningsn/a no earnings announcement (Form 8-K, Item 2.02) has been filed in our data yet
How HYNE compares in its sector
- return on equitybottom 10% 558 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)bottom 25% 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Quarterly results
| Quarter | Net income | Diluted EPS | Operating cash flow | Capex |
|---|---|---|---|---|
| Q2 FY2026 2026-06-30 | $96000 | $0.01 | -$470870† | $183352† |
| Q1 FY2026 2026-03-31 | -$118352 | -$0.02 | -$821130 | $48648 |
| Q4 FY2025 2025-12-31 | $201604† | — | $1M† | $605065† |
| Q3 FY2025 2025-09-30 | $70063 | — | -$3M† | $44043† |
| Q2 FY2025 2025-06-30 | $118000 | — | $2M† | $221871† |
| Q1 FY2025 2025-03-31 | -$166035 | — | $905413 | $172129 |
| Q4 FY2024 2024-12-31 | -$421889† | — | -$1M† | $254332† |
| Q3 FY2024 2024-09-30 | -$397298 | — | — | — |
† Not filed as a discrete quarter: derived from the company's own year-to-date figures (for example the fourth quarter as the fiscal year minus the first nine months). A derived per-share figure is approximate, because the share count moves within the year.
Balance sheet at 2026-06-30
- Cash and equivalents$25M includes restricted cash (the filer tags no unrestricted total)
- Total debtnot shown the filing tags none of the debt lines we read — not evidence of zero debt
From the company's own SEC 10-Q and 10-K filings (XBRL), re-read every week. Figures in US dollars as filed; informational only — not financial advice.
How Hoyne Bancorp, Inc. looks technically
Hoyne Bancorp, Inc. (HYNE) is trading 9.6% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average has held above its 200-day average for at least 11 trading days — a long-sustained "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 23 (a reading of 25+ marks a strong trend). Momentum is stretched — its 14-day RSI (a 0–100 momentum gauge) is 75, in overbought territory (above 70). It just made a new 20-day high, pushing above its recent trading range. Trading volume is running unusually high — about 2.3× its 30-day average, a sign of heightened interest.
Trend
8
| Distance from the 200-day | it is trading 9.6% above its 200-day average, the long-term trend line — a longer-term uptrend | +9.6% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $16.58 | $16.58 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $15.61 | $15.61 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 60 calendar days ago — the swings before that are what the structure reading is measured on | 60 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in the fourth leg, a pullback against that upward direction; the labelling fails if price closes below 16.86. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible upward five-wave sequence, in wave 4 (atypical proportions) |
| Since the 50/200 cross | its 50-day average has held above its 200-day average for at least 11 trading days — a long-sustained "golden cross", a bullish long-term signal | at least 11 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 23 (a reading of 25+ marks a strong trend) | 23.2 |
Momentum
3
| 14-day RSI | momentum is stretched — its 14-day RSI (a 0–100 momentum gauge) is 75, in overbought territory (above 70) | 75.0 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($16.45 to $17.25) — its "stochastic" reading is 82 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 82.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in positive territory (momentum leaning bullish) | 14 sessions |
Range
7
| Since a 20-day breakout | it just made a new 20-day high, pushing above its recent trading range | 1 session |
|---|---|---|
| Since a 55-day breakout | it just made a new 55-day high, pushing above its recent trading range | 1 session |
| All-time high | its highest closing price on record is $17.25 (set on 2026-10-20) | $17.25 |
| Given back of the 52-week move | not available for this company yet | n/a |
| Nearest price level | not enough price history yet — needs 252 trading sessions | n/a |
| All-time low | its lowest closing price on record is $13.35 (set on 2025-12-04) | $13.35 |
| Above the all-time low | it is 28.2% above its all-time low | +28.2% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 66th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.1423 between its high and its low — about 0.8% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.1423 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $16.31 and $17.06 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $16.31 – $16.68 – $17.06 |
| Typical daily range (% of price) | its price moves about 0.8% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 0.8% |
| Stretch from the 200-day average | it is trading 10.5 daily ranges above its 200-day average price (9.6% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale. Read that multiple with care: this company's daily range is unusually small (about 0.8% of its price), which is what makes the multiple large — a stock trading in a narrow band near a takeover price does this | 10.5 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is running unusually high — about 2.3× its 30-day average, a sign of heightened interest | 2.30× |
|---|
Candlestick patterns
1
| Since a bullish engulfing | 6 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 6 sessions ago |
|---|
Price gaps
1
| Gap at the open | it opened on 2026-10-20 at essentially the same price it closed at the session before — no meaningful overnight gap | 0.0% |
|---|
Price streaks
1
| Closing streak | it has closed higher 3 sessions in a row, a +1.85% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 3 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 2.7 percentage points (the stock gained 3.7% while the market gained 1.0%) | +2.7% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 0.9 percentage points (the stock gained 2.7% while the market gained 3.6%) | -0.9% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 1.6 percentage points (the stock gained 6.9% while the market gained 8.5%) | -1.6% |
| vs market, 12 months | not available for this company yet | n/a |
Signal agreement
2
| Bullish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, a fresh 20-day high, MACD momentum is positive, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
|---|---|---|
| Bearish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bearish state: its RSI momentum gauge is overbought (a stretched reading), lagging the market over 6 months, near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 3 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 4.6% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-14 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 0.8% of the share price, which is taken to mean a barrier that gives way easily. | +4.6% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 13% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $15.09 — a volume-weighted average of daily closes over 191 sessions, not a true tick-by-tick VWAP. | +13.3% |
|---|
Wave structure
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 4 of five, a pullback against that direction.
This labelling fails — stops being a possible reading at all — if it closes below $16.86.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
On past moves of this shape the leg has usually ended somewhere between $16.49 and $16.86 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
This reading has stood for 1 trading day, since 2026-10-20.
Read from daily closes as of 2026-10-20.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Trading above the 50-day moving average · Overbought (14-day RSI above 70) · Unusually heavy trading volume · Broke out to a new 20-day high · Broke out to a new 20-day high on heavy volume | Learn: moving average · golden cross · adx · rsi · breakout · volume and relative volume
Based on daily closing prices as of 2026-10-20. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Fluctuations in interest rates and their impact on net interest margins and loan demand.","Concentration of loan portfolio and market operations within Cook County, Illinois.","Intense competition from larger financial institutions and non-depository competitors."]
What changed in the latest 10-Q
AI-assisted comparison of HYNE's 10-Q filed 2026-08-11 against the prior one filed 2026-05-12.
Management's Discussion & Analysis (MD&A)
- Added:
- In the newer filing, the financial condition discussion is stated as of June 30, 2026 (unaudited) compared to December 31, 2025, and results of operations are discussed for the three and six month periods ended June 30, 2026 and 2025 (unaudited).
- The newer filing states total assets of $480.0 million, net loans of $282.3 million, investment securities available-for-sale of $100.9 million, investment securities held-to-maturity of $25.9 million, total deposits of $312.6 million, and total stockholders' equity of $161.1 million as of June 30, 2026.
- The newer filing reports net income of $96,000 for the three months ended June 30, 2026 compared to net income of $118,000 for the three months ended June 30, 2025.
- The newer filing reports a net loss of $22,000 for the six months ended June 30, 2026 compared to a net loss of $47,000 for the six months ended June 30, 2025.
- Removed:
- The older filing stated the financial condition discussion as of March 31, 2026 (unaudited) compared to December 31, 2025 (audited), and results of operations for the three month periods ended March 31, 2026 and 2025 (unaudited).
- The older filing stated total assets of $477.2 million, net loans of $288.6 million, investment securities available-for-sale of $103.7 million, investment securities held-to-maturity of $27.2 million, total deposits of $312.0 million, and total stockholders' equity of $161.1 million as of March 31, 2026.
- The older filing reported a net loss of $118,000 for the three months ended March 31, 2026 compared to a net loss of $166,000 for the three months ended March 31, 2025.
- Reworded:
- The introductory sentence changed from reporting for the three month periods ended March 31, 2026 and 2025 in the older filing to reporting for the three and six month periods ended June 30, 2026 and 2025 in the newer filing.
- The description of December 31, 2025 financial condition changed from '(audited)' in the older filing to no audit designation in the newer filing.
- Balance sheet figures and period results were updated to reflect the newer reporting period ended June 30, 2026 instead of March 31, 2026.
- Notes:
- The provided newer MD&A text is truncated at the end of the Critical Accounting Policies paragraph, and the older MD&A text is also truncated in the same section, so only the portions shown could be compared.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
3 open-market purchases and 0 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-16. The 5 days since 2026-10-16 have not been checked yet.
- Last 90 days · read to 2026-10-163 buys ($28982) · 0 sells — 2 buying insiders
- Last 180 days · read to 2026-10-168 buys ($61250) · 0 sells — 3 buying insiders
Cluster buying: 9 different insiders reported open-market purchases (SEC code P) of HYNE within a 30-day window between 2025-12-03 and 2025-12-05. Disclosed Form 4 activity, not a prediction of performance or a buy signal.
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-28. Based on Form 4 filings read through 2026-10-16; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about HYNE's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding HYNE as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 263,648
- Reported value $4,413,466
reported quarterly holdings change (2026-03-31 → 2026-06-30): 2 new, 2 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about HYNE's institutional holders → See what each manager we track holds →
Short interest (FINRA)
HYNE had 235,844 shares of reported short interest as of the 2026-09-30 FINRA settlement date (delayed, bi-monthly; not real-time).
HYNE had 2.91% of its shares outstanding sold short as of the 2026-09-30 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 37.72 days to cover at the same settlement.
- Reported short interest (shares) 235,844
- Short interest (% of shares outstanding) 2.91%
- Prior settlement (shares) 243,765
- Reported change -3.25%
- Days to cover (reported) 37.72
Reported to FINRA as of the 2026-09-30 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- commercial banks
- savings banks
- credit unions
- mortgage-banking companies
- brokerage firms
- insurance companies
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Hoyne Bancorp, Inc. is found in…
Frequently asked questions
What does Hoyne Bancorp, Inc. (HYNE) do?
Hoyne Bancorp, Inc. is a savings and loan holding company for Hoyne Savings Bank, an Illinois-chartered savings bank established in 1887. The bank operates six full-service banking offices and a loan production office in Cook County, Illinois, providing residential mortgages, commercial real estate loans, commercial construction loans, and commercial and industrial loans.
What sector is Hoyne Bancorp, Inc. (HYNE) in?
Hoyne Bancorp, Inc. (HYNE) is classified in the Financials sector. Its industry is savings and loan holding companies. It trades on NASDAQ.
Who are Hoyne Bancorp, Inc.'s (HYNE) competitors?
Notable peers of Hoyne Bancorp, Inc. (HYNE) include commercial banks, savings banks, credit unions, mortgage-banking companies and brokerage firms. This peer set is informational only — not financial advice.
Is Hoyne Bancorp, Inc. (HYNE) overbought or oversold right now?
Hoyne Bancorp, Inc. (HYNE) is currently in overbought territory (its 14-day RSI is 75, above 70) (as of 2026-10-20). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on HYNE come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-20.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.