Hoyne Bancorp, Inc. Common Stock carries no debt; cash flow comfortably covers obligations.

Hoyne Bancorp, Inc. Common Stock's free cash flow has increased -105.38% from $-3.75M last year to $201.99K, signaling increasing performance

Hoyne Bancorp, Inc. Common Stock's debt to equity ratio is 0.00, which means that the company's assets are healthy financed, signaling financial stability.

Hoyne Bancorp, Inc. Common Stock's debt has decreased relative to shareholder equity from 0.00 last year to 0.00 today, signaling strengthened financials

Hoyne Bancorp, Inc. Common Stock has a net cash position, so leverage is healthy.

Hoyne Bancorp, Inc. Common Stock earns at least as much interest as it pays. Interest obligations are fully covered.

Hoyne Bancorp, Inc. Common Stock's profit margin has increased (-88.22%) in the last year from -8.36% to -0.98%, signaling increasing performance

Hoyne Bancorp, Inc. Common Stock's short-term liabilities of $324.95M exceed its short-term assets of $117.38M, signaling financial risk

Hoyne Bancorp, Inc. Common Stock's return on assets of -0.04% is lower than the 5.00% threshold, indicating inefficient asset utilization

Hoyne Bancorp, Inc. Common Stock's return on equity of -0.17%, is lower than 15.00%, indicating bad performance

Hoyne Bancorp, Inc. Common Stock's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Hoyne Bancorp, Inc. Common Stock has insufficient public price history to evaluate earnings stability.

Hoyne Bancorp, Inc. Common Stock has positive free cash flow, indicating the company generates cash after capital expenditures

Hoyne Bancorp, Inc. Common Stock has a free cash flow yield of 0.17%, which is below the 2.00% threshold, indicating limited cash return relative to market value

Hoyne Bancorp, Inc. Common Stock's yearly earnings has increased -115.08% since last year from $-1.54M to $232.69K, signaling increasing performance

Hoyne Bancorp, Inc. Common Stock's yearly revenue has increased 16.94% since last year from $18.46M to $21.59M, signaling increasing performance

ROIC -0.04% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Hoyne Bancorp, Inc. Common Stock has insufficient revenue history to calculate 3-year revenue CAGR.

Hoyne Bancorp, Inc. Common Stock has insufficient public price history to evaluate revenue consistency.

Hoyne Bancorp, Inc. Common Stock has insufficient public price history to evaluate ROE consistency.

Hoyne Bancorp, Inc. Common Stock has insufficient data to evaluate this check.

Hoyne Bancorp, Inc. Common Stock has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

Hoyne Bancorp, Inc. Common Stock is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Hoyne Bancorp, Inc. Common Stock has an EV/EBITDA ratio of 7.44x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Hoyne Bancorp, Inc. Common Stock has insufficient data to evaluate this check.

Hoyne Bancorp, Inc. Common Stock has insufficient diluted EPS history to calculate the PEG ratio.

Hoyne Bancorp, Inc. Common Stock has a price-to-book ratio of 0.75x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Hoyne Bancorp, Inc. Common Stock has a price-to-sales ratio of 5.63x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue