HAWTHORN BANCSHARES INC (HWBK)
US4204761039 - Common Stock
Overall HWBK gets a fundamental rating of 2 out of 10. We evaluated HWBK against 411 industry peers in the Banks industry. HWBK may be in some trouble as it scores bad on both profitability and health. HWBK is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
HWBK had positive earnings in the past year.
HWBK had a positive operating cash flow in the past year.
HWBK had positive earnings in each of the past 5 years.
HWBK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.12%, HWBK is not doing good in the industry: 92.94% of the companies in the same industry are doing better.
The Return On Equity of HWBK (1.57%) is worse than 91.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.12% | ||
| ROE | 1.57% | ||
| ROIC | N/A |
ROA(3y)0.79%
ROA(5y)0.85%
ROE(3y)10.7%
ROE(5y)11.41%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 3.84%, HWBK is not doing good in the industry: 93.67% of the companies in the same industry are doing better.
HWBK's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for HWBK so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 3.84% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-56.4%
PM growth 5Y-38.53%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
HWBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
HWBK has more shares outstanding than it did 1 year ago.
The number of shares outstanding for HWBK has been reduced compared to 5 years ago.
HWBK has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of HWBK is 2.84, which is a good value as it means it would take HWBK, 2.84 years of fcf income to pay off all of its debts.
HWBK's Debt to FCF ratio of 2.84 is in line compared to the rest of the industry. HWBK outperforms 47.69% of its industry peers.
HWBK has a Debt/Equity ratio of 0.36. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.36, HWBK is doing worse than 66.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 2.84 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.77%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HWBK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -87.60%.
Measured over the past years, HWBK shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -37.73% on average per year.
HWBK shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -22.57%.
The Revenue has been growing slightly by 0.34% on average over the past years.
EPS 1Y (TTM)-87.6%
EPS 3Y-58.93%
EPS 5Y-37.73%
EPS Q2Q%37.75%
Revenue 1Y (TTM)-22.57%
Revenue growth 3Y-6.89%
Revenue growth 5Y0.34%
Sales Q2Q%3.68%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 61.94, which means the current valuation is very expensive for HWBK.
Based on the Price/Earnings ratio, HWBK is valued more expensive than 91.48% of the companies in the same industry.
HWBK's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 28.05.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 61.94 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, HWBK is valued a bit cheaper than the industry average as 63.02% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.75 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
HWBK has a Yearly Dividend Yield of 4.00%. Purely for dividend investing, there may be better candidates out there.
HWBK's Dividend Yield is a higher than the industry average which is at 3.76.
Compared to an average S&P500 Dividend Yield of 2.37, HWBK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4% |
5.2 History
The dividend of HWBK is nicely growing with an annual growth rate of 19.43%!
HWBK has paid a dividend for at least 10 years, which is a reliable track record.
HWBK has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)19.43%
Div Incr Years8
Div Non Decr Years12
5.3 Sustainability
219.13% of the earnings are spent on dividend by HWBK. This is not a sustainable payout ratio.
The Dividend Rate of HWBK has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP219.13%
EPS Next 2YN/A
EPS Next 3YN/A
HAWTHORN BANCSHARES INC
NASDAQ:HWBK (5/31/2024, 7:00:02 PM)
19.2
+0.2 (+1.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap134.78M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
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Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 61.94 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.12% | ||
| ROE | 1.57% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 3.84% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-87.6%
EPS 3Y-58.93%
EPS 5Y
EPS Q2Q%
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-22.57%
Revenue growth 3Y-6.89%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y