What is Hoyne Bancorp, Inc. 's reserve for ESOP debt retirement?

Hoyne Bancorp, Inc. (HYNE) reported reserve for ESOP debt retirement of $6.39M in Q1 2026.

What does reserve for ESOP debt retirement mean?

An equity adjustment or contra-equity account representing the obligation or reserve associated with debt incurred by an Employee Stock Ownership Plan. This metric highlights the impact of employee compensation structures on the bank's total shareholders' equity. It is a vital indicator for investors evaluating the dilution and capital structure implications of employee benefit programs.

Hoyne Bancorp, Inc. HYNE Reserve for ESOP Debt Retirement

Reserve for ESOP Debt Retirement at other companies

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$2.78M-7.3%

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$3.95M-5.3%

FB Bancorp, Inc.FBLA

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Other financials

Income statement

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Revenue$4.5M+35.4%

Net income-$118.4K+28.7%

EPS (diluted)-$0.02-367%

Balance sheet

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Cash & equivalents$13.5M-56.8%

Total debt$26.0K—

Total equity$161.1M+83.2%

Total assets$477.2M—

Cash flow

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Operating cash flow-$821.1K-191%

CapEx$48.6K-71.7%

Free cash flow-$869.8K-219%

Valuation

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Market cap$124.36M+11.9%

P/E443.6×—

P/S7.6×—

Profitability

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Net margin1.7%—

FCF margin-7.2%—

Returns & leverage

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Return on equity0.2%—

Debt / equity0×—

Where this comes from

Reported directly by Hoyne Bancorp, Inc. in its filing.

Tagged under the XBRL concept us-gaap:UnearnedESOPShares.

The official record: Hoyne Bancorp, Inc. ’s 10-Q, filed May 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Hoyne Bancorp, Inc. 's reserve for ESOP debt retirement?: Hoyne Bancorp, Inc. (HYNE) reported reserve for ESOP debt retirement of $6.39M in Q1 2026.
What does reserve for ESOP debt retirement mean?: An equity adjustment or contra-equity account representing the obligation or reserve associated with debt incurred by an Employee Stock Ownership Plan. This metric highlights the impact of employee compensation structures on the bank's total shareholders' equity. It is a vital indicator for investors evaluating the dilution and capital structure implications of employee benefit programs.