Hoyne Bancorp, Inc. (HYNE)
Financial Services · NCM
Fundamentals
Valuation and ratings
Hoyne Bancorp, Inc. trades at USD16.60, which is 20% below the USD19.89 our discounted cash flow model puts on the business. On that measure alone it screens as undervalued, though a DCF is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 16 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 416.8 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
About Hoyne Bancorp, Inc.
Hoyne Bancorp, Inc. operates as the bank holding company for Hoyne Savings Bank that provides various financial products and services in the United States. The company offers money market, checking, savings, and certificates of deposit accounts; and individual retirement accounts. It also provides commercial real estate loans, business lines of credit, business loans, and construction loans. Hoyne Bancorp, Inc. was founded in 1887 and is headquartered in Oak Park, Illinois.
HYNE passes 2 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Common questions
Is Hoyne Bancorp, Inc. (HYNE) undervalued?
Against our discounted cash flow estimate of USD19.89, HYNE at USD16.60 is 20% below fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.
What is HYNE's P/E ratio?
HYNE trades at 416.8 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
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Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.