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Financial statements

Hoyne Bancorp, Inc. financial statements

Income statement, balance sheet and cash flow statement for the last 2 fiscal years, taken from the XBRL data Hoyne Bancorp, Inc. files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

FY2025FY2025
Pre-tax income-2.990.01
Income tax-1.03-0.22
Net income-1.960.23
EPS, basic0.03
EPS, diluted0.03
Shares, basic (weighted)7.45
Shares, diluted (weighted)7.45

Balance sheet

FY2025FY2025
Cash and equivalents15.347.6
Property, plant and equipment7.757.42
Intangible assets0.320.14
Total assets450489
Total liabilities364328
Paid-in capital77.2
Retained earnings102101
Other comprehensive income-15.9-10.9
Shareholders' equity85.8161
Total equity85.8161
Total liabilities and equity450489
Shares outstanding8.1

Cash flow statement

FY2025FY2025
Net income-1.960.23
Stock-based compensation0.03
Deferred income tax-1.24-0.56
Change in payables0.26-0.49
Cash from operations-2.771.25
Capital expenditures-0.98-1.04
Sales and maturities of investments20.417
Cash from investing-11.7-2.76
Stock issued79.4
Cash from financing5.0833.8
Net change in cash-9.3532.3
Free cash flow-3.750.2
Income taxes paid6.876.32

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $16.43 on September 25, 2026.

Profitability

MetricValueHow it is calculated
Effective tax rate-667.9%Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)0.2%Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)0.1%Net income / average total assets.

Growth

MetricValueHow it is calculated
Book value growth, 1y88.0%Book value vs the same period a year earlier. Only from a positive base.
Total assets growth, 1y8.9%Total assets vs the same period a year earlier. Only from a positive base.

Balance sheet health

MetricValueHow it is calculated
Liabilities / assets66.4%Total liabilities / total assets.
Goodwill and intangibles / assets0.0%(Goodwill + intangible assets) / total assets.
Tangible book value$161.1MShareholders' equity - goodwill - intangible assets.

Efficiency

MetricValueHow it is calculated
FCF conversion-1,416.0%Free cash flow / net income, when net income is positive.

Per share

MetricValueHow it is calculated
EPS, diluted$0.03Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share-$0.49Free cash flow / diluted weighted shares.
Operating cash flow per share-$0.37Cash from operations / diluted weighted shares.
Book value per share$19.90Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share$19.90Tangible book value / shares outstanding.
Cash per share$3.13(Cash + short-term investments) / shares outstanding.

Valuation

MetricValueHow it is calculated
Market cap$133.0MShare price x shares outstanding.
Enterprise value$107.7MMarket cap + total debt - cash - short-term investments.
P/E515xMarket cap / net income. Only when net income is positive.
P/B0.83xMarket cap / shareholders' equity. Only when equity is positive.
Price / tangible book0.83xMarket cap / tangible book value, when positive.
FCF yield-2.8%Free cash flow / market cap.
Earnings yield0.2%Net income / market cap (the inverse of P/E).
Was Hoyne Bancorp, Inc. profitable in fiscal 2025?

Yes. Net income was $232.7K, a net margin of -.

How much free cash flow did Hoyne Bancorp, Inc. generate in fiscal 2025?

Cash from operations of $1.2M minus capital expenditures of $1.0M left free cash flow of $202.0K.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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