Hoyne Bancorp, Inc. (HYNE) Fair Value 2026

HYNE · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.2 /10

32 fundamental signals · 3 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-31, Hoyne Bancorp, Inc. (HYNE) trades at $16.52, versus a $4.06 median fair value across its 3 active models — 75.4% below the current price. QOC: 7.2/10. Value Trap Risk: 0/100 (SAFE). 3/13 models active.

Key Facts

Ticker
HYNE
Price
$16.52
Quality Score
7.2/10
Value Trap Risk
0/100
Models Active
3/13
Last Updated
Strength: 3 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is Hoyne Bancorp, Inc. (HYNE) Undervalued or Overvalued in 2026?

According to CirclFi’s 3-model valuation engine, Hoyne Bancorp, Inc. (HYNE) appears overvalued as of : the median of 3 independent fair value estimates is $4.06, 75.4% below the current price of $16.52. Estimates range from $0.31 to $4.09. HYNE scores 7.2/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.1% versus its own 13-model consensus, across 3,804 rated companies as of 2026-08-31. HYNE’s -75.4% gap is wider than that market norm, and the Banks - Regional sector median is -21.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Hoyne Bancorp, Inc. Stock in 2026? →

What Fair Value Does Each Model Give HYNE?

3 Intrinsic Value Models vs. Current Price ($16.52)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $4.06 -75.4%
Relative · Low Conviction
 $4.09 -75.3%
Relative · Low Conviction
 $0.31 -98.1%

All Models Active

All 3 models are displayed above.

What Is HYNE's Fair Value Range?

Spread across 3 independent models · $0.31 to $4.09

CirclFi's 3 active models place Hoyne Bancorp, Inc. (HYNE) between $0.31 and $4.09 per share, a spread of 93% of the median. The median of that range — $4.06 — is the fair value CirclFi publishes for HYNE, against a current price of $16.52.

Low · Regime CrossHigh · FTNN
$0.31median $4.06$4.09
Where the range comes from
Most bearish modelRegime Cross-Sectional$0.31
Most bullish modelFTNN Topology$4.09
Model agreement0 bullish · 3 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on HYNE, not a CirclFi price target. How each model works →

What Is Hoyne Bancorp, Inc. (HYNE) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Hoyne Bancorp, Inc.'s intrinsic value is estimated at $4.06. Trading at its current price of $16.52, the valuation engine raises significant caution: 3 of 3 models flag downside risk, projecting a median implied return of -75.4%.

What Do the Models Say About HYNE?

3 of 13 models are currently active for HYNE. All 3 active models suggest the stock trades above fair value. Taken together, their median fair value for HYNE is $4.06 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does HYNE Rank in Banks - Regional?

Among 352 Banks - Regional stocks, HYNE ranks #293 by Quality of Company score. CirclFi's QOC score of 7.2/10 evaluates 32 fundamental signals. A score of 7.2 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

Hoyne Bancorp, Inc.'s positioning within the Banks - Regional segment means that loan loss provisions plays an outsized role in fundamental analysis. The sector's unique characteristics — including interest rate environment — shape both the opportunity set and risk profile.

Is HYNE a Value Trap?

CirclFi's Value Trap algorithm assigns HYNE a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

3 of 13 models are active for Hoyne Bancorp, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Hoyne Bancorp, Inc. earns a quality score of 7.2/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

Models cluster within a tight range (+22.9% spread), increasing conviction. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every HYNE valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across HYNE's 3 active models, average confidence is 24%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Hoyne Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

UBCPUnited Bancorp, Inc.QOC 7.2DBDeutsche Bank AktiengesellschaftQOC 7.2CULLCullman Bancorp, Inc.QOC 7.2GBFHGBank Financial Holdings Inc.QOC 7.2SFNCSimmons First National CorporationQOC 7.2KRNYKearny Financial Corp.QOC 7.2UCBUnited Community Banks, Inc.QOC 8.7FSBCFive Star BancorpQOC 8.3BKUBankUnited, Inc.QOC 7.8STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: UBCP · DB · CULL · GBFH · SFNC · KRNY · UCB · FSBC · BKU · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to HYNE?

7 companies across all industries closest to HYNE’s Quality of Company score of 7.2/10.

SVVSavers Value Village, Inc.QOC 7.2CECelanese CorporationQOC 7.2ADPTAdaptive Biotechnologies CorporationQOC 7.2MRPMillrose Properties, Inc.QOC 7.2NMRKNewmark Group, Inc.QOC 7.2SYNASynaptics IncorporatedQOC 7.2NVDANVIDIA CorporationQOC 10.0

Read investment analysis: SVV · CE · ADPT · MRP · NMRK · SYNA · NVDA

Where Does HYNE Sit in CirclFi's Banks - Regional Rankings?

HYNE is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Hoyne Bancorp, Inc.’s Valuation?

What is Hoyne Bancorp, Inc.'s intrinsic value in 2026?

CirclFi puts Hoyne Bancorp, Inc. (HYNE)'s intrinsic value at $4.06 — the median of 3 independent model estimates as of 2026-08-31, ranging from $0.31 to $4.09. The Quality of Company score is 7.2/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is HYNE overvalued or undervalued right now?

At $16.52, 0 of 3 active models suggest HYNE may be undervalued, while 3 indicate potential overvaluation. The median of all 3 fair value estimates is $4.06, 75.4% below the current price of $16.52 — a consensus view that HYNE is overvalued. The assessment depends on which methodology best fits Hoyne Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 7.2 mean for HYNE?

Hoyne Bancorp, Inc.'s QOC of 7.2/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on HYNE?

CirclFi analyzes HYNE with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 3 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on HYNE?

Of the 3 models currently active on HYNE, FTNN Topology is the most bullish at $4.09 per share, and Regime Cross-Sectional is the most bearish at $0.31. CirclFi's published fair value for HYNE is the median of that range, $4.06, not either extreme. The gap between the two ends equals 93% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is HYNE a value trap in 2026?

Hoyne Bancorp, Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 3-model valuation engine, Hoyne Bancorp, Inc. (HYNE) has a median fair value of $4.06 — 75.4% below the current price of $16.52 — as of 2026-08-31.” Source: circlfi.com/stock/HYNE/ · Methodology
Primary sources for this HYNE valuation
  • Financial statements: Hoyne Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0002073153) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for HYNE as of ; valuations recomputed .