Hoyne Bancorp, Inc. (HYNE)

Hoyne Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023
Net Income	-0.39	-1.96	1.49
Depreciation & Amortization	0.95	0.86	0.62
Gain (Loss) on Sale of Assets	-	-0.12	-
Gain (Loss) on Sale of Investments	-0.01	-0.25	-1.06
Total Asset Writedown	-	-	0.16
Provision for Credit Losses	0.52	0.47	-
Accrued Interest Receivable	-0.03	-0.21	-0.23
Change in Accounts Payable	-0.64	0.26	1.88
Change in Other Net Operating Assets	-0.82	-0.55	-1.15
Other Operating Activities	-1.01	-1.24	-3.6
Operating Cash Flow	-1.48	-2.77	-1.94
Capital Expenditures	-0.69	-0.98	-0.72
Investment in Securities	29.42	43.95	9.74
Net Decrease (Increase) in Loans Originated / Sold - Investing	-36.28	-50.79	-10.12
Other Investing Activities	1.79	-3.84	-
Investing Cash Flow	-5.75	-11.66	-1.1
Long-Term Debt Issued	-	0.67	-
Long-Term Debt Repaid	-	-	-0.21
Net Debt Issued (Repaid)	2.51	0.67	-0.21
Net Increase (Decrease) in Deposit Accounts	13.42	4.42	-25.42
Financing Cash Flow	15.93	5.08	-25.63
Net Cash Flow	8.69	-9.35	-28.67
Free Cash Flow	-2.17	-3.75	-2.66
Free Cash Flow Margin	-16.47%	-36.34%	-22.95%
Cash Interest Paid	6.55	6.87	3.94
Cash Income Tax Paid	0.05	0.05	0.58

Source: S&P Global Market Intelligence. Banks template. Financial Sources.