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Hoyne Bancorp Inc. (HYNE) — RQD Stock Rating Cockpit

$18.98 +1.44% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $18.99

Hoyne Bancorp Inc. (HYNE) carries a Roarable Rating of D+ (Sell) with 53/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 53/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.9% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $153.7M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $18.99 (+0.07%)🧬 Dilution Drag (+1.36% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 53/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.9% avg 90D alpha vs SPY • 50.6% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE-2.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HYNE)Realized 20D OHLCV Swing Band: ±4.1%

Deterministic 5-Pillar Attribution (53/100 Composite)

🔍 WHY HYNE SCORES 53/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▲ #2 Bullish Driver: Macro Regime Fit+13/20 pts (25% of score)

FRED Regime × Technicals: 95% of 52W Range • RSI-14 at 85.5 (OVERBOUGHT (>70))

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution7/20 pts (-13 pt drag)

Dilution Drag (+1.36% YoY Shares) & executive Form 4 sales trim 13 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$16.79+0.2% Next Q

Q2 (-2Q)

Grade D$16.83+4.7% Next Q

Q3 (-1Q)

Grade C-$17.62+7.7% Next Q

Current

Grade D+$18.98-0.9% Hist 90D α

Trajectory: D (45) → D+ (53)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a HYNE Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While HYNE currently carries a cautious 53/100 (D+) rating due to Insider Conviction & Share Dilution (7/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($16.87) and Max Pain ($19.93) forces dealer call-delta covering toward $21.89.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+1.36% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $HYNE• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “HYNE Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 53%NO 47%Trade / Inspect Odds →

RSI-14 MOMENTUMOVERBOUGHT (>70)

85.530 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE95% OF RANGE

L: $13$18.98H: $19

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 10 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 17 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on HYNE

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (50)

0.1% ROIC with 42.0% gross margin and 0.13% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (50)

17/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like HYNE

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring HYNE)

✓Walkthrough of HYNE's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

HYNE // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +21.51%▲ RESISTANCE BREAKOUT

2026-10-30O $18.91H $19.21L $18.70C $18.98VOL 16.2K

RES: $16.76SUP: $16.92SMA50: $16.87SMA200: $15.88

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HYNE Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 HYNE Butterfly Map → + Track HYNE →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on HYNE today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for HYNE. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for HYNE today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HYNE)

Financials Rank #749 of 1096 ⚔️ SRBK vs HYNE Full Matrix →

1. Head-to-Head Financials Peer Comparison (HYNE vs. SRBK, ECBK, WSBK, BSBK)

Industry: Banks (24 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Hoyne Bancorp Inc. (HYNE) ranks #749 by composite RQD confidence (53/100, grade D+) and #922 by equity capitalization ($153.7M). Within this direct 5-issuer industry benchmark cohort, ECBK leads on earnings valuation at 24.0x trailing P/E, while ECBK leads on capital efficiency and profitability with 4.5% ROIC and — gross margin. ECBK currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with HYNE at 53/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
HYNE ACTIVE Hoyne Bancorp Inc.	D+	53/100	—	—	0.1%	+1.44%	$153.7M	Benchmark Subject
SRBK SR Bancorp Inc.	D+	57/100	29.3x	—	2.7%	+0.64%	$150.5M	/srbk-vs-hyne →
ECBK ECB Bancorp Inc.	C+	68/100	24.0x	—	4.5%	+1.23%	$186.4M	/ecbk-vs-hyne →
WSBK Winchester Bancorp Inc.	D+	53/100	—	—	-0.7%	+0.41%	$123.9M	/wsbk-vs-hyne →
BSBK Bogota Financial Corp.	D	51/100	56.3x	—	1.5%	-0.11%	$117.8M	/bsbk-vs-hyne →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2024–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0002073153

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Hoyne Bancorp Inc. (HYNE) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $232.7K, operating cash flow of $1.2M, and free cash flow of $202.0K (+105.4% YoY). On the balance sheet, HYNE closed FY2025 with $489.4M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$232.7K	$1.2M	$202.0K	$489.4M	—
FY2024 (FY)	2024-12-31	$0	-$2.0M	-$2.8M	-$3.8M	$449.5M	—

3. HYNE Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is HYNE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Hoyne Bancorp Inc. (NASDAQ: HYNE) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $18.98 (+1.44% 1D, market cap $153.7M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 7/20. Across 1096 tracked Financials issuers, HYNE ranks #749 in composite RQD confidence.

How does HYNE compare to SRBK and ECBK in the Financials sector?

Within the Financials sector (Banks), HYNE carries a Roarable D+ (53/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.1%. By comparison, SRBK (SR Bancorp Inc.) holds a D+ grade (57/100 RQD, P/E 29.3x, ROIC 2.7%, cap $150.5M) and ECBK (ECB Bancorp Inc.) posts a C+ grade (68/100 RQD, P/E 24.0x, ROIC 4.5%, cap $186.4M). Among the 5-stock peer group, ECBK leads on earnings multiple (24.0x) while ECBK leads on capital efficiency (4.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for HYNE?

Per HYNE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002073153), Hoyne Bancorp Inc. generated $0 in revenue, $232.7K in net income, and $202.0K in free cash flow against $489.4M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is HYNE trading relative to its 50-day, 200-day, and 52-week technical levels?

HYNE last traded at $18.98 (+1.44% on volume of 32,631 shares), positioning the stock +12.51% above its 50-day simple moving average ($16.87) and +19.52% above its 200-day simple moving average ($15.88). Across its 52-week range of $13.35 to $19.25, HYNE sits at the 95.4% percentile with a 14-day RSI of 85.5 (OVERBOUGHT (>70)) and an implied next-earnings move of ±4.1% ($18.20 to $19.76).

HYNE Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell HYNE stock right now?

Hoyne Bancorp Inc. (HYNE) currently earns a Roarable Rating of D+ (Sell — SELL) with 53/100 RQD Confidence. Stretched risk/reward at current multiples (0% return on capital) under elevated 10-year interest-rate pressure.

What is HYNE's 12-month price target and RQD AI Jury consensus?

HYNE's 12-month base price target is $18.55 (range $14.47 to $21.89), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: HYNE RQD Cockpit HYNE 12M Forecast HYNE Earnings & Move HYNE Dividends & DRIP HYNE Insiders & 13F HYNE Whale Options HYNE Profit Sankey HYNE News & Why