ROARABLE
FREE $100K
My Trading Account →
▾
Trading Profile Active
Active Trader
Verified Trader
⚡ My $100K Trading Account → ★ My Saved Watchlist →
🟢 My $100K Account → Today Screener Big Ideas Track Record 💰 $100K Arena 🎲 Predictions 🏛️ Insiders 8 Analysts
Stock Ratings / Financials / HYNE / news
SRBK (55) ECBK (67) WSBK (53) BSBK (56) ⌘ Pro Terminal →

Why HYNE Stock advanced +0.69% Today — RQD Quant Desk Flash

$18.93 +0.69% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $18.92

Hoyne Bancorp Inc. (HYNE) carries a Roarable Rating of D+ (Sell) with 56/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $152.2M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on HYNE Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is HYNE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Hoyne Bancorp Inc. (NASDAQ: HYNE) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $18.93 (+0.69% 1D, market cap $152.2M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 7/20. Across 1097 tracked Financials issuers, HYNE ranks #514 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does HYNE compare to SRBK and ECBK in the Financials sector?
▼

Within the Financials sector (Banks), HYNE carries a Roarable D+ (56/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.1%. By comparison, SRBK (SR Bancorp Inc.) holds a D+ grade (55/100 RQD, P/E 29.3x, ROIC 2.7%, cap $149.0M) and ECBK (ECB Bancorp Inc.) posts a C+ grade (67/100 RQD, P/E 24.0x, ROIC 4.5%, cap $186.6M). Among the 5-stock peer group, ECBK leads on earnings multiple (24.0x) while ECBK leads on capital efficiency (4.5% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for HYNE?
▼

Per HYNE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002073153), Hoyne Bancorp Inc. generated $205.5M in revenue (+8.9% YoY), $232.7K in net income, and $202.0K in free cash flow against $489.4M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $18.92 (-0.07%)🧬 Dilution Drag (+1.36% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 0.1% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 56/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.4% avg 90D alpha vs SPY • 51.8% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510056
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ · Rk C
Cash (10)Whales (14)SEC (13)Macro (12)CEO (7)
Each axis scored 0–20
12M PRICE TARGET CONE-0.9% Base Target
$22 Bull$19 Base$15 Bear
📬 FREE HYNE RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HYNE)Realized 20D OHLCV Swing Band: ±4.3%
Deterministic 5-Pillar Attribution (56/100 Composite)
🔍 WHY HYNE SCORES 56/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+14/20 pts (25% of score)

20D Institutional Volume Accumulation (±4.3% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (23% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution7/20 pts (-13 pt drag)

Dilution Drag (+1.36% YoY Shares) & executive Form 4 sales trim 13 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
48
Grade D$16.84+1.6% Next Q
Q2 (-2Q)
51
Grade C-$17.11+9.1% Next Q
Q3 (-1Q)
53
Grade C-$18.67+1.4% Next Q
Current
56
Grade D+$18.93-0.4% Hist 90D α
Trajectory: D (48) → D+ (56)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the HYNE Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 56/100 (D+) score, HYNE faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Dilution Drag (+1.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($16.96) or 200D SMA ($15.92) invalidates the momentum regime and cuts Target Base ($18.76) toward Bear Floor ($14.63).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $HYNE• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “HYNE Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 56%NO 44%Trade / Inspect Odds →
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →

Why HYNE Stock advanced +0.69% Today — RQD Quant Desk Flash

Hoyne Bancorp Inc. (HYNE) advanced +0.69% to $18.93, trading at 95% of its 52-week range ($13.35 – $19.25). Stretched risk/reward at current multiples (0% return on capital) under elevated 10-year interest-rate pressure.

  • ▸Technical Tape: Trading at 95% of its 52-week range ($13.35 – $19.25) with RSI-14 at 79.4 (OVERBOUGHT (>70)).
  • ▸Volatility Profile: Historical 20-day realized swing band of ±4.3% around $18.93 (no active unusual options sweep snapshot on file).
  • ▸Fundamental Anchor: Roarable D+ (Sell) backed by 52% gross margin and $201986 annual free cash flow.
Live HYNE Headlines & Catalysts
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring HYNE)

  • ✓Walkthrough of HYNE's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
HYNE // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +20.42%▲ ASCENDING CHANNEL
2026-11-03O $18.98H $18.98L $18.80C $18.93VOL 16.2K
RES: $19.33SUP: $17.00SMA50: $16.96SMA200: $15.92
$19.58$18.22$16.87$15.52$14.17RES $19.33SUP $17.00$18.932026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HYNE Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 HYNE Butterfly Map → + Track HYNE →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +8.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on HYNE today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for HYNE. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for HYNE today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HYNE)

Financials Rank #514 of 1097 ⚔️ SRBK vs HYNE Full Matrix →

1. Head-to-Head Financials Peer Comparison (HYNE vs. SRBK, ECBK, WSBK, BSBK)

Industry: Banks (24 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Hoyne Bancorp Inc. (HYNE) ranks #514 by composite RQD confidence (56/100, grade D+) and #924 by equity capitalization ($152.2M). Within this direct 5-issuer industry benchmark cohort, ECBK leads on earnings valuation at 24.0x trailing P/E, while ECBK leads on capital efficiency and profitability with 4.5% ROIC and — gross margin. ECBK currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with HYNE at 56/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
HYNE ACTIVE
Hoyne Bancorp Inc.
D+ 56/100 — — 0.1% +0.69% $152.2M Benchmark Subject
SRBK
SR Bancorp Inc.
D+ 55/100 29.3x — 2.7% +2.40% $149.0M /srbk-vs-hyne →
ECBK
ECB Bancorp Inc.
C+ 67/100 24.0x — 4.5% +0.09% $186.6M /ecbk-vs-hyne →
WSBK
Winchester Bancorp Inc.
D+ 53/100 — — -0.7% +0.75% $124.0M /wsbk-vs-hyne →
BSBK
Bogota Financial Corp.
D+ 56/100 56.3x — 1.5% +1.64% $116.5M /bsbk-vs-hyne →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2024–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0002073153 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Hoyne Bancorp Inc. (HYNE) reported GAAP revenue of $205.5M (+8.9% vs. FY2024 revenue of $188.8M ) , GAAP net income of $232.7K, operating cash flow of $1.2M, and free cash flow of $202.0K (+105.4% YoY). On the balance sheet, HYNE closed FY2025 with $489.4M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $205.5M $232.7K $1.2M $202.0K $489.4M —
FY2024 (FY) 2024-12-31 $188.8M -$2.0M -$2.8M -$3.8M $449.5M —

3. HYNE Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is HYNE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Hoyne Bancorp Inc. (NASDAQ: HYNE) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $18.93 (+0.69% 1D, market cap $152.2M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 7/20. Across 1097 tracked Financials issuers, HYNE ranks #514 in composite RQD confidence.

How does HYNE compare to SRBK and ECBK in the Financials sector?

Within the Financials sector (Banks), HYNE carries a Roarable D+ (56/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.1%. By comparison, SRBK (SR Bancorp Inc.) holds a D+ grade (55/100 RQD, P/E 29.3x, ROIC 2.7%, cap $149.0M) and ECBK (ECB Bancorp Inc.) posts a C+ grade (67/100 RQD, P/E 24.0x, ROIC 4.5%, cap $186.6M). Among the 5-stock peer group, ECBK leads on earnings multiple (24.0x) while ECBK leads on capital efficiency (4.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for HYNE?

Per HYNE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002073153), Hoyne Bancorp Inc. generated $205.5M in revenue (+8.9% YoY), $232.7K in net income, and $202.0K in free cash flow against $489.4M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is HYNE trading relative to its 50-day, 200-day, and 52-week technical levels?

HYNE last traded at $18.93 (+0.69% on volume of 19,561 shares), positioning the stock +11.62% above its 50-day simple moving average ($16.96) and +18.91% above its 200-day simple moving average ($15.92). Across its 52-week range of $13.35 to $19.25, HYNE sits at the 94.6% percentile with a 14-day RSI of 79.4 (OVERBOUGHT (>70)) and an implied next-earnings move of ±4.3% ($18.12 to $19.74).

Direct Sub-Reports: HYNE RQD Cockpit HYNE 12M Forecast HYNE Earnings & Move HYNE Dividends & DRIP HYNE Insiders & 13F HYNE Whale Options HYNE Profit Sankey HYNE News & Why
ROARABLE RATING BRIEF • RQD 56/100 (D+) ✓ SEC XBRL & RQD VERIFIED

HYNE — Hoyne Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Hoyne Bancorp Inc. (HYNE) earns a live Roarable RQD composite score of 56/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $18.93 (+0.69% 1D, market capitalization $152.2M).

  • Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of 0.1%, gross margin of —, operating margin of —, and free cash flow yield of 0.13%.
  • Whale 13F & Options Flow (14/20) + Insider Conviction (7/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Hoyne Bancorp Inc. Is a NASDAQ-listed issuer classified under the Financials sector and the Banks industry. The profile describes the company as operating in Banks with a market capitalization of $0.2B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Hoyne Bancorp Inc. (HYNE) reported $205.5M in annual revenue (up from $188.8M in FY2024, +8.9% YoY) and $232.7K in GAAP net income. Over the multi-year SEC filing window from FY2024 ($188.8M revenue, -$2.0M net income) through FY2025, HYNE scaled operating cash flow to $1.2M and free cash flow to $202.0K, backed by $489.4M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 56/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 0.13% and institutional whale pillar of 14/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $13.35 – $19.25 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The graph identifies the sector as Financials and the industry as Banks, but establishes no upstream or downstream dependencies. Sector correlation and second-order bottlenecks cannot be determined from the source data.

  • Key Question #1: Can HYNE sustain or expand its — operating margin and 0.1% ROIC against Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $205.5M and free cash flow of $202.0K, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is HYNE's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

HYNE Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Hoyne Bancorp Inc. (HYNE) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to HYNE Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

HYNE Bull vs. Bear Conversation Board — What's Your Call at $18.93?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON HYNE 🐻 33% BEARISH CONVICTION
1. Pick Your Side on HYNE:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
AL AlphaFlow_Cap RQD DEBATE OPENER • Verified $100K Arena Trader 🐂 BULLISH 🎯 Target: $24.63 (+31.0%)
📌 Pinned Debate

The balance sheet pillar (13 of 20, Piotroski F 5/9, Altman Z 2.5) and a return to positive FY 2025 net income ($0.2M after -$2.0M) off

Don't sleep on HYNE's setup in Financials. The balance sheet pillar (13 of 20, Piotroski F 5/9, Altman Z 2.5) and a return to positive FY 2025 net income ($0.2M after -$2.0M) offer a modest floor against weak returns.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (56/100) backs up the fundamental quality.

CapAlloc_Nerd 🐂 BULL

@ForensicBear Fair point on current EV/EBITDA multiples, but you're ignoring the forward operating leverage in Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

FO ForensicBear RQD DEBATE OPENER • 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $14.48 (-23.0%)
Spot @ $18.80

ROIC of 0.1%, FCF yield of 0.13%, and an insider conviction score of 7 of 20 leave the stock with weak fundamentals and little visible

I respect the product at Hoyne Bancorp Inc., but the stock at $18.80 is a different story. ROIC of 0.1%, FCF yield of 0.13%, and an insider conviction score of 7 of 20 leave the stock with weak fundamentals and little visible insider support.. FCF yield is 0.13% and RQD sits at 56/100 (D+) — why pay up here when you can wait for next quarter's numbers?

LIVE TAPE