Hoyne Bancorp, Inc. (HYNE)
Financials · Community Banking / Regional Savings Banks · NASDAQ
A community-focused savings bank with 138 years of history in Chicago that originates commercial real estate, commercial and industrial, and residential mortgage loans primarily in Cook County, Illinois.
What Hoyne Bancorp, Inc. does
Hoyne Bancorp, Inc. is a savings and loan holding company formed in 2025 as the parent of Hoyne Savings Bank, a 138-year-old Illinois-chartered savings bank. The bank originates commercial real estate (including commercial construction), commercial and industrial, residential mortgage, and home equity loans, primarily serving customers in Cook County, Illinois and the Chicago Metropolitan Statistical Area. As of March 31, 2026, the company had total assets of $477.2 million, including $288.6 million in net loans and $131 million in investment securities.
Themes: Community banking, Commercial real estate lending, Residential mortgage lending, Chicago market focus, Retail deposits
Fundamentals
- Price$16.57 as of 2026-08-26 close
- Market cap$134M as of 2026-08-26
- P/E566.84 as of 2026-08-27
- ROE-0.2% as of 2026-08-27
- Debt / equity0.00 as of 2026-08-27
- Beta0.17 as of 2026-08-27
- 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
- price-to-earnings ratiotop 10% 524 covered Financials peers, as of 2026-08-27
- return on equitybottom 25% 575 covered Financials peers, as of 2026-08-27
- free cash flow (absolute dollars, latest fiscal year)bottom 25% 431 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.
How Hoyne Bancorp, Inc. looks technically
Hoyne Bancorp, Inc. (HYNE): a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 30, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 55, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 9 trading days ago (its momentum flipped positive). It made a new 20-day low about 15 trading days ago.
Trend
8
| Distance from the 200-day | not enough price history yet — needs 200 trading sessions | n/a |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $16.51 | $16.51 |
| 200-day moving average | not enough price history yet — needs 200 trading sessions | n/a |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing low 14 calendar days ago — the swings before that are what the structure reading is measured on | 14 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes below 15.66. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C. | possible upward five-wave sequence, in wave 3 (one of several readings) |
| Since the 50/200 cross | not enough price history yet — needs 200 trading sessions | n/a |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 30, with sellers in control | 30.1 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 55, neither overbought (above 70) nor oversold (below 30) | 54.7 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($15.66 to $16.75) — its "stochastic" reading is 83 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 climbing within that range over the last few sessions. | 83.5 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 9 trading days ago (its momentum flipped positive) | 9 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $16.86 | $16.86 |
|---|---|---|
| From the 52-week high | it is 1.7% below its 52-week high (its highest price of the past year) | -1.7% |
| Above the 52-week low | it is 24.1% above its 52-week low (its lowest price of the past year) | +24.1% |
| Below the 52-week high | it is 1.7% below its highest point of the past year | 1.7% |
| Since a 20-day breakout | it made a new 20-day low about 15 trading days ago | 15 sessions |
| Since a 55-day breakout | it made a new 55-day high about 43 trading days ago | 43 sessions |
| All-time high | its highest closing price on record is $16.86 (set on 2026-06-26) | $16.86 |
| Given back of the 52-week move | not available for this company yet | n/a |
| From the all-time high | it is 1.7% below its all-time high | -1.7% |
| 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 24.1% above its all-time low | +24.1% |
Volatility
4
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 73% of it) | 27th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.2306 between its high and its low — about 1.4% 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 | $0.2306 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $16.07 and $16.71 — 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 | $16.07 – $16.39 – $16.71 |
| Typical daily range (% of price) | its price moves about 1.4% 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 | 1.4% |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.99× |
|---|
Candlestick patterns
3
| Since a doji | 5 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 5 sessions ago |
|---|---|---|
| Since a bullish engulfing | 4 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 | 4 sessions ago |
| Since a bearish engulfing | 2 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 2 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-08-26 1.1% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +1.1% |
|---|---|---|
| Gap filled | a 2.7% gap up opened on 2026-06-09 has been "filled" 10 sessions ago — price traded back through the level the gap left behind, and it took 44 sessions to close | 10 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +0.98% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 3.9 percentage points (the stock lost 0.2% while the market gained 3.7%) | -3.9% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 2.0 percentage points (the stock gained 4.7% while the market gained 2.7%) | +2.0% |
| vs market, 6 months | over the past 6 months this stock beat the market by 3.7 percentage points (the stock gained 14.8% while the market gained 11.1%) | +3.7% |
| vs market, 12 months | not available for this company yet | n/a |
Signal agreement
2
| Bullish technical signals | 2 of the 7 technical signals we can compute for it are currently in a bullish state: MACD momentum is positive, outperforming the market over 6 months — these describe past price behaviour, not a forecast | 2 of 7 |
|---|---|---|
| Bearish technical signals | 2 of the 7 technical signals we can compute for it are currently in a bearish state: a strong downtrend, with sellers in control, near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 2 of 7 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-21 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 2.4% of the share price. | 0.0% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 11% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $14.99 — a volume-weighted average of daily closes over 153 sessions, not a true tick-by-tick VWAP. | +10.5% |
|---|
Wave structure
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.
This labelling fails — stops being a possible reading at all — if it closes below $15.66.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $18.66 and $20.51 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close below $15.66.
This reading has stood for 5 trading days, since 2026-08-20.
Read from daily closes as of 2026-08-26.
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: Least volatile (2% or less typical daily range) · At the top of its 14-day range (stochastic above 80) · Trading inside the Ichimoku cloud · Elliott wave 3 candidates | Learn: adx · rsi · macd · breakout
Based on daily closing prices as of 2026-08-26. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Exposure to real estate market conditions and fluctuations in real estate values in Cook County, Illinois, which could increase loan delinquencies and charge-offs","Interest rate environment risk: inflation and changes in interest rates could reduce net interest margins, yields, and loan origination levels while increasing default rates","Competition from larger financial institutions (commercial banks, savings banks, credit unions, mortgage companies) with greater financial resources in the Chicago market area"]
What changed in the latest 10-Q
AI-assisted comparison of HYNE's 10-Q filed 2026-05-12 against the prior one filed 2025-11-13.
Management's Discussion & Analysis (MD&A)
- Added:
- Added bullet point: 'statements of our goals, intentions and expectations'
- Added bullet point: 'statements regarding our business plans, prospects, growth and operating strategies'
- Added bullet point: 'statements regarding the quality of our loan and investment portfolios'
- Added bullet point: 'estimates of our risks and future costs and benefits'
- Added bullet point: 'major catastrophes such as tornadoes, floods or other natural disasters, the related disruption to local, regional and global economic activity and financial markets, and the impact that any of the foregoing may have on us and our customers and other constituencies'
- Added bullet point: 'further data processing and other technological changes that may be more difficult or expensive than expected'
- Added bullet point: 'success or consummation of new business initiatives may be more difficult or expensive than expected'
- Added bullet point: 'geopolitical tensions that could affect economic activity or specific industry sectors'
- Added statement: 'On December 3, 2025, Hoyne Bancorp, Inc. became the holding company for Hoyne Savings Bank when Hoyne Savings MHC completed its conversion into the stock holding company form of organization'
- Added statement: 'In connection with the conversion, the Company sold 7,935,000 shares of common stock at a price of $10.00 per share, for gross proceeds of $79.4 million'
- Added statement: 'The Company also contributed 161,938 shares of common stock and $250,000 in cash to Hoyne Charitable Foundation, Inc'
- Added statement: 'Shares of the Company's common stock began trading on December 4, 2025, on the Nasdaq Capital Market under the trading symbol "HYNE"'
- Added financial data: 'As of March 31, 2026, we had total assets of $477.2 million, including $288.6 million in net loans and $103.7 million of investment securities available-for-sale, and investment securities held-to-maturity of $27.2 million, total deposits of $312.0 million and total stockholders' equity of $161.1 million'
- Added statement: 'For the three months ended March 31, 2026, we had a net loss of $118,000 compared to a net loss of $166,000 for the three months ended March 31, 2025'
- Removed:
- Removed reference to 'Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended (the "Exchange Act") and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995'
- Removed list of forward-looking statement identifiers: 'may', 'will', 'should', 'could', 'would', 'target' (retained only 'plan', 'potential', 'estimate', 'project', 'believe', 'intend', 'anticipate', 'expect')
- Removed bullet point: 'general economic conditions, either nationally or in our market areas, that are worse than expected'
- Removed bullet point: 'changes in the level and direction of loan delinquencies and write-offs and changes in estimates of the adequacy of the allowance for loan losses'
- Removed bullet point: 'our ability to implement and change our business strategies'
- Removed bullet point: 'adverse changes in the securities or secondary mortgage markets'
- Removed bullet point: 'changes in monetary or fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the Federal Reserve Board'
- Removed bullet point: 'changes in the quality or composition of our loan or investment portfolios'
- Removed bullet point: 'technological changes that may be more difficult or expensive than expected'
- Removed bullet point: 'a failure or breach of our operational or security systems or infrastructure, including cyber-attacks'
- Removed bullet point: 'our ability to retain key employees'
- Removed disclaimer: 'Because of these and other uncertainties, our actual future results may be materially different from the results indicated by these forward-looking statements. Except as required by applicable law or regulation, we do not undertake, and we specifically disclaim any obligation, to update any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events'
- Removed reference to 'Hoyne Savings, MHC, Hoyne Financial Corporation' from company description in Overview
- Removed statement: 'and has not engaged in any business to date'
- Removed statement: 'Upon completion of the Conversion (as described below), we will own all of the issued and outstanding stock of Hoyne Savings Bank'
- Removed statement: 'After the conversion is complete, we will be authorized to pursue other business activities permitted by applicable laws and regulations'
- Removed description of pre-conversion corporate structure: 'Currently, Hoyne Savings Bank is a wholly-owned subsidiary of Hoyne Financial Corporation...'
- Removed financial data for September 30, 2025: 'As of September 30, 2025, we had total assets of $454.8 million...total stockholders' equity of $90.1 million'
- Removed statement: 'For the nine months ended September 30, 2025, we had a net income of $31,000 compared to a net loss of $1.5 million for the nine months ended September 30, 2024'
- Removed statement: 'After the conversion, we expect that our noninterest expenses will increase as we grow and expand our operations'
- Reworded:
- Changed comparison period from 'December 31, 2024 (audited)' to 'December 31, 2025 (audited)'
- Changed comparison period from 'nine and three month periods ended September 30, 2025 and 2024' to 'three month periods ended March 31, 2026 and 2025'
- Changed reference from 'Prospectus' to 'Quarterly Report on Form 10-Q' in boilerplate
- Simplified Forward-Looking Statements section from detailed statutory reference to simpler identification using words like 'estimate,' 'project,' 'believe,' 'intend,' 'anticipate,' 'plan,' 'seek,' 'expect'
- Changed 'charge-offs' to match 'charge-offs' (consistent in newer)
- Changed 'allowance for loan losses' to 'allowance for credit losses' in newer filing
- Changed 'continue to implement' to 'implement' regarding business strategies
- Changed 'Public Company Accounting Oversight Board' to 'the Public Company Accounting Oversight Board' (minor article change)
- Changed 'our ability to hire and retain key employees' (newer) from 'our ability to retain key employees' (older)
- Changed 'our compensation expense associated with equity allocated or awarded to our employees' (older) to 'our compensation expense associated with equity allocated or awarded to our employees' (wording slightly different)
- Notes:
- The newer MD&A text appears truncated at the end during the 'Critical Accounting Policies' section, making full comparison of that section impossible
- Older MD&A text is also truncated at the end during compensation discussion, preventing full comparison
- The two filings cover different reporting periods (Q1 2026 vs. Q3 2025) and different comparison bases, affecting the relevance of financial metrics and business descriptions
Risk Factors
- Added:
- Item 1A. Risk Factors now states 'Not required for smaller reporting companies' instead of referencing material changes to risk factors in the Prospectus (filed 2026-05-12)
- Removed:
- Reference to 'There were no material changes to the risk factors relevant to our operations as described in the Prospectus beginning on page 15, "Risk Factors."' removed (filed 2026-05-12)
- Reworded:
- Exhibit 3.1 description changed from 'as incorporated by reference' to 'incorporated by reference' (filed 2026-05-12)
- Exhibit 3.2 description changed from 'as incorporated by reference' to 'incorporated by reference' (filed 2026-05-12)
- Exhibit 31.1 description expanded from 'Certification of Chief Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002' to include 'pursuant to Rules 13a-14(a) and 15d-14(a) of the Securities Exchange Act of 1934, as amended, and Section 302 of the Sarbanes-Oxley Act of 2002' (filed 2026-05-12)
- Exhibit 31.2 description expanded from 'Certification of Chief Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002' to include 'pursuant to Rules 13a-14(a) and 15d-14(a) of the Securities Exchange Act of 1934, as amended, and Section 302 of the Sarbanes-Oxley Act of 2002' (filed 2026-05-12)
- Exhibit 32.1 footnote changed from longer descriptive text to shortened statement 'This exhibit shall not be deemed "filed" by the Registrant for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended.' (filed 2026-05-12)
- Signature block changed Walter F. Healy title from '(Duly Authorized Representative)' to '(Principal Executive Officer)' (filed 2026-05-12)
- Notes:
- The comparison is limited to the Risk Factors section and related exhibits/signatures as provided; the full 10-Q content may differ beyond these excerpts
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)
2 open-market purchases and 0 open-market sales by insiders in the last 90 days.
- Last 90 days2 buys ($26015) · 0 sells — 2 buying insiders
- Last 180 days5 buys ($32268) · 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: 2026-06-11. As of 2026-08-27.
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)
2 institutional 13F filers reported holding HYNE as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 2
- Reported shares held 141,644
- Reported value $2,050,297
reported quarterly holdings change (2025-12-31 → 2026-03-31): 1 new, 0 increased, 1 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.
Short interest (FINRA)
HYNE had 255,068 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
HYNE had 3.15% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 44.3 days to cover at the same settlement.
- Reported short interest (shares) 255,068
- Short interest (% of shares outstanding) 3.15%
- Prior settlement (shares) 253,986
- Reported change 0.43%
- Days to cover (reported) 44.3
Reported to FINRA as of the 2026-07-31 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
- savings associations
- credit unions
- mortgage-banking 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 formed in 2025 as the parent of Hoyne Savings Bank, a 138-year-old Illinois-chartered savings bank. The bank originates commercial real estate (including commercial construction), commercial and industrial, residential mortgage, and home equity loans, primarily serving customers in Cook County, Illinois and the Chicago Metropolitan Statistical Area.
What sector is Hoyne Bancorp, Inc. (HYNE) in?
Hoyne Bancorp, Inc. (HYNE) is classified in the Financials sector. Its industry is Community Banking / Regional Savings Banks. It trades on NASDAQ.
Who are Hoyne Bancorp, Inc.'s (HYNE) competitors?
Notable peers of Hoyne Bancorp, Inc. (HYNE) include commercial banks, savings banks, savings associations, credit unions and mortgage-banking companies. 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 neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 55, in the neutral middle (as of 2026-08-26). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on HYNE come from?
Fundamentals and prices come from market data, as of 2026-08-27; 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: market data, as of 2026-08-27. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-26.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.