Hoyne Bancorp Inc (HYNE)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$16.62-0.06%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · HYNE
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 32.6% |
| Our one-year growth estimate | diamond | Not available |
Growth built into the price is above our model estimate.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A comparable growth gap is not available.
The one-year revenue growth assumption on Valuation.
Model as of — · Company calendar date is not available
HYNE — legal / regulatory event — Changes in Registrant's Certifying Accountant
Dated 2026-06-24
Changes in Registrant's Certifying Accountant. (a) Dismissal of Independent Registered Public Accounting Firm On June 22, 2026, the Audit Committee (the “Audit Committee”) of the Board of Directors of Hoyne Bancorp, Inc. (the “Company”) dismissed Wipfli LLP (“Wipfli”) as the Company’s independent registered public accounting firm, effective immediately. Wipfli performed audits of the financial statements of the Company for the year ended December 31, 2025, and of the financial statements of H…
Why it matters: Changing the accounting firm could affect investor trust. It may impact future financial reports.
Worry ifThere are positive updates about the new accounting firm. This could improve financial reporting.
Less concerning ifThere are negative issues with the new accounting firm. This raises concerns about transparency.
Why it matters: The FOMC decision on July 29 may change borrowing costs and profits for banks like Hoyne.
Watch forThe FOMC raises interest rates. This leads to better net interest margins in the next earnings report.
Also watch forThe FOMC keeps rates unchanged or lowers them, leading to tighter margins.
Why it matters: Changes in the accounting firm can impact financial reporting and investor trust. This is important for transparency.
Watch forA press release confirms the appointment of a reputable new accounting firm.
Also watch forNo announcement on a new accounting firm after several months.
Why it matters: The dismissal of the accounting firm may raise concerns about financial oversight. This could affect investor trust.
Worry ifThe Audit Committee picks and confirms a new independent auditor.
Less concerning ifNo new auditor is appointed before the next earnings report.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$32 on $10,000 · ±0.3% | How much price usually moves either way. |
| Bad day | $161 loss on $10,000 · 1.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $443 loss on $10,000 · 4.4% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: The dismissal of Wipfli LLP could affect the accuracy of financial statements. Investors need to see how this change impacts future reports.
Worry ifThe next earnings report shows big differences in financial results from past reports.
Less concerning ifThe next earnings report is similar to past results. This shows stable financial reporting.
Why it matters: Wipfli LLP is out. This might worry people about money management and honesty.
Worry ifA new accounting firm is chosen. It gives a good audit report.
Less concerning ifThe new firm raises concerns or issues a qualified audit opinion.
Why it matters: Revenue growth trends affect how investors feel and how much the company is worth.
Worry ifRevenue growth reported below the median of 15% for the sector.
Less concerning ifRevenue growth is above the median. This supports further expansion.
Why it matters: Positive operating income shows the company is making more money. This helps investor trust.
Supportive ifQ3 operating income is positive. This shows that things are getting better.
Worry ifQ3 operating income is still negative. This shows there are profit problems.
Why it matters: Exceeding this growth rate would confirm management's focus on increasing revenue. It shows strong business momentum.
Supportive ifQ3 revenue growth reported above 3% quarter over quarter.
Worry ifQ3 revenue growth reported below 1% quarter over quarter.
Why it matters: Positive cash flow would indicate better cash management. This is crucial for long-term stability.
Supportive ifQ3 cash flow from operations is positive.
Worry ifQ3 cash flow from operations is still negative.
Why it matters: Changes in accountants can affect how financial reports look. This may impact investor trust.
Worry ifQ3 results show no major issues with the new accountant.
Less concerning ifQ3 results show discrepancies or issues linked to the new accountant.