Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Hoyne BancorpHYNE -1.56%14 Return-on-Tangible-Equity is 0.24% as of Jun. 2026, which is 26% above its 10-year median of 0.19. GuruFocus rates HYNE with a GF Score™ of 14/100. The stock has 1 warning sign investors should review. Among 1,521 Banks companies, Hoyne Bancorp ranks worse than 95.2% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Hoyne Bancorp's annualized net income for the quarter that ended in Jun. 2026 was $0.38 Mil. Hoyne Bancorp's average shareholder tangible equity for the quarter that ended in Jun. 2026 was $161.04 Mil. Therefore, Hoyne Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 0.24%.
The historical rank and industry rank for Hoyne Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
HYNE'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -2.27 Med: 0.19 Max: 1.71
Current: 0.19
During the past 3 years, Hoyne Bancorp's highest Return-on-Tangible-Equity was 1.71%. The lowest was -2.27%. And the median was 0.19%.
HYNE's Return-on-Tangible-Equity is ranked worse than 95.2% of 1521
companies
in the Banks industry
Industry Median: 11.49
vs HYNE: 0.19
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Hoyne Bancorp Return-on-Tangible-Equity Related Terms
Hoyne Bancorp Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Hoyne Bancorp's Return-on-Tangible-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
HYNE vs CMHF, BOTJ, FMBN: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Hoyne Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Hoyne Bancorp Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Hoyne Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Hoyne Bancorp's Return-on-Tangible-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 0.24% mean?
Hoyne Bancorp (HYNE) has a Return-on-Tangible-Equity of 0.24% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Hoyne Bancorp and its competitors. This is 26% above median its historical median of 0.19. According to the industry distribution chart, Hoyne Bancorp ranks #1448 out of 1521 companies in the Banks industry, placing it in the top 95.2%.
Is Hoyne Bancorp's Return-on-Tangible-Equity too high?
Hoyne Bancorp's current Return-on-Tangible-Equity of 0.24% is 26% above median its 10-year median of 0.19. The Banks industry median Return-on-Tangible-Equity is 11.49. Hoyne Bancorp's value of 0.24% is 97.9% below this industry median. Based on the distribution chart, Hoyne Bancorp ranks #1448 out of 1521 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Hoyne Bancorp has a GF Score™ of 14/100, reflecting its overall financial health beyond just this single metric.
How does Hoyne Bancorp's Return-on-Tangible-Equity compare to CMHF and BOTJ?
According to the Banks industry distribution chart, Hoyne Bancorp ranks #1448 out of 1521 companies for Return-on-Tangible-Equity. This places Hoyne Bancorp in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.49. Hoyne Bancorp's value of 0.24% is 97.9% below this benchmark. While the company's 10-year median is 0.19 vs. the industry median of 11.49, Hoyne Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.49, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hoyne Bancorp's current Return-on-Tangible-Equity of 0.24% is 97.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Hoyne Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hoyne Bancorp's current Return-on-Tangible-Equity is 0.24%, which is 26% above median its own 10-year median of 0.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hoyne Bancorp stock overvalued right now?
Hoyne Bancorp (HYNE) has a current Return-on-Tangible-Equity of 0.24%. The current Return-on-Tangible-Equity is 0.24%, which is 26% above median its 10-year median of 0.19 and 97.9% below the Banks industry median of 11.49. Hoyne Bancorp's overall GF Score™ is 14/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Hoyne Bancorp (HYNE), the current Return-on-Tangible-Equity is 0.24% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Hoyne Bancorp Inc is a holding company that conducts business mainly through its subsidiaries. It is a savings institution focused on serving customers' banking needs in the market area. The group offers Personal and Business banking services.
14GF Score
Get the complete analysis for HYNE
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HYNE has been successfully added to your 
