Hoyne Bancorp, Inc. Common Stock (HYNE) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

-99.9%

$0.02

vs $18.93 price

Levered DCF

-$6.22

After debt service

Piotroski score

5 / 9

Average

Altman Z-score

0.68

Distress zone

Rating

C+

Overall 2 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023
P/E	504.88×	-63.64×	63.64×
P/B	0.73×	1.12×	1.1×
P/S	5.44×	5.23×	6.02×
EV / EBITDA	82.33×	-51.69×	-55.64×
Gross margin	68.4%	59.1%	72.2%
Operating margin	0.0%	-13.1%	-11.8%
Net margin	1.1%	-8.4%	9.3%
Current ratio	0.36×	0.38×	0.47×
Debt / equity	0×	0×	0×
Interest coverage	0×	-0.34×	-0.42×
Dividend yield	0.0%	0.0%	0.0%
Payout ratio	0.0%	0.0%	0.0%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023
Return on equity	0.1%	-1.8%	1.7%
Return on invested capital	0.0%	-1.7%	1.6%
Return on assets	0.0%	-0.3%	0.3%
Free cash flow yield	0.2%	-3.9%	-2.8%
Earnings yield	0.2%	-1.6%	1.5%
Enterprise value	$68.9M	$80M	$70.7M
Net debt / EBITDA	-57.95×	10.73×	20.34×
Cash conversion cycle (days)	-157	29	29