HAWTHORN BANCSHARES INC (HWBK) Fundamental Analysis & Valuation

NASDAQ:HWBK • US4204761039

Current stock price

34.22 USD
-0.23 (-0.67%)
Last:

This HWBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. HWBK Profitability Analysis

1.1 Basic Checks

  • In the past year HWBK was profitable.
  • In the past year HWBK had a positive cash flow from operations.
  • HWBK had positive earnings in each of the past 5 years.
  • In the past 5 years HWBK always reported a positive cash flow from operatings.
HWBK Yearly Net Income VS EBIT VS OCF VS FCFHWBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.26%, HWBK is in the better half of the industry, outperforming 76.60% of the companies in the same industry.
  • HWBK has a better Return On Equity (13.66%) than 89.36% of its industry peers.
Industry RankSector Rank
ROA 1.26%
ROE 13.66%
ROIC N/A
ROA(3y)0.77%
ROA(5y)0.92%
ROE(3y)8.86%
ROE(5y)11.59%
ROIC(3y)N/A
ROIC(5y)N/A
HWBK Yearly ROA, ROE, ROICHWBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • With a decent Profit Margin value of 29.64%, HWBK is doing good in the industry, outperforming 72.87% of the companies in the same industry.
  • HWBK's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for HWBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 29.64%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.27%
PM growth 5Y7.21%
GM growth 3YN/A
GM growth 5YN/A
HWBK Yearly Profit, Operating, Gross MarginsHWBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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3

2. HWBK Health Analysis

2.1 Basic Checks

  • HWBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for HWBK has been reduced compared to 1 year ago.
  • Compared to 5 years ago, HWBK has less shares outstanding
  • The debt/assets ratio for HWBK has been reduced compared to a year ago.
HWBK Yearly Shares OutstandingHWBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
HWBK Yearly Total Debt VS Total AssetsHWBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.2 Solvency

  • HWBK has a debt to FCF ratio of 2.22. This is a good value and a sign of high solvency as HWBK would need 2.22 years to pay back of all of its debts.
  • HWBK's Debt to FCF ratio of 2.22 is in line compared to the rest of the industry. HWBK outperforms 45.48% of its industry peers.
  • A Debt/Equity ratio of 0.29 indicates that HWBK is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.29, HWBK is doing worse than 66.76% of the companies in the same industry.
  • Even though the debt/equity ratio score it not favorable for HWBK, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 2.22
Altman-Z N/A
ROIC/WACCN/A
WACC12.55%
HWBK Yearly LT Debt VS Equity VS FCFHWBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HWBK Yearly Current Assets VS Current LiabilitesHWBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. HWBK Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 31.50% over the past year.
  • Measured over the past years, HWBK shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.83% on average per year.
  • The Revenue has grown by 10.14% in the past year. This is quite good.
  • HWBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.29% yearly.
EPS 1Y (TTM)31.5%
EPS 3Y5.26%
EPS 5Y11.83%
EPS Q2Q%36.19%
Revenue 1Y (TTM)10.14%
Revenue growth 3Y3.36%
Revenue growth 5Y3.29%
Sales Q2Q%12.22%

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.
HWBK Yearly Revenue VS EstimatesHWBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

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3

4. HWBK Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.98, the valuation of HWBK can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of HWBK indicates a somewhat cheap valuation: HWBK is cheaper than 78.46% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.42, HWBK is valued rather cheaply.
Industry RankSector Rank
PE 9.98
Fwd PE N/A
HWBK Price Earnings VS Forward Price EarningsHWBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • HWBK's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HWBK is cheaper than 69.68% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.34
EV/EBITDA N/A
HWBK Per share dataHWBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.84
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. HWBK Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.41%, HWBK has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.55, HWBK has a dividend in line with its industry peers.
  • HWBK's Dividend Yield is a higher than the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 2.41%

5.2 History

  • On average, the dividend of HWBK grows each year by 13.48%, which is quite nice.
  • HWBK has been paying a dividend for at least 10 years, so it has a reliable track record.
  • HWBK has decreased its dividend recently.
Dividend Growth(5Y)13.48%
Div Incr Years1
Div Non Decr Years1
HWBK Yearly Dividends per shareHWBK Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • HWBK pays out 22.80% of its income as dividend. This is a sustainable payout ratio.
  • HWBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP22.8%
EPS Next 2YN/A
EPS Next 3YN/A
HWBK Yearly Income VS Free CF VS DividendHWBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
HWBK Dividend Payout.HWBK Dividend Payout, showing the Payout Ratio.HWBK Dividend Payout.PayoutRetained Earnings

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HWBK Fundamentals: All Metrics, Ratios and Statistics

HAWTHORN BANCSHARES INC

NASDAQ:HWBK (4/27/2026, 11:32:31 AM)

34.22

-0.23 (-0.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04
Earnings (Next)04-29
Inst Owners31.18%
Inst Owner Change-0.02%
Ins Owners15.97%
Ins Owner Change0%
Market Cap236.12M
Revenue(TTM)80.31M
Net Income(TTM)23.80M
Analysts0
Price TargetN/A
Short Float %1.03%
Short Ratio8.29
Dividend
Industry RankSector Rank
Dividend Yield 2.41%
Yearly Dividend0.78
Dividend Growth(5Y)13.48%
DP22.8%
Div Incr Years1
Div Non Decr Years1
Ex-Date03-13
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 9.98
Fwd PE N/A
P/S 2.94
P/FCF 10.34
P/OCF 8.77
P/B 1.36
P/tB 1.36
EV/EBITDA N/A
EPS(TTM)3.43
EY10.02%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.31
FCFY9.67%
OCF(TTM)3.9
OCFY11.4%
SpS11.64
BVpS25.25
TBVpS25.25
PEG (NY)N/A
PEG (5Y)0.84
Graham Number44.1442 (29%)
Profitability
Industry RankSector Rank
ROA 1.26%
ROE 13.66%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.64%
GM N/A
FCFM 28.44%
ROA(3y)0.77%
ROA(5y)0.92%
ROE(3y)8.86%
ROE(5y)11.59%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.27%
PM growth 5Y7.21%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 2.22
Debt/EBITDA N/A
Cap/Depr 181.97%
Cap/Sales 5.08%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 95.97%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC12.55%
ROIC/WACCN/A
Cap/Depr(3y)154.54%
Cap/Depr(5y)121.92%
Cap/Sales(3y)4.33%
Cap/Sales(5y)3.46%
Profit Quality(3y)614.1%
Profit Quality(5y)412.19%
High Growth Momentum
Growth
EPS 1Y (TTM)31.5%
EPS 3Y5.26%
EPS 5Y11.83%
EPS Q2Q%36.19%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.14%
Revenue growth 3Y3.36%
Revenue growth 5Y3.29%
Sales Q2Q%12.22%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1.12%
FCF growth 3Y8.85%
FCF growth 5Y3.54%
OCF growth 1Y5.18%
OCF growth 3Y9.9%
OCF growth 5Y5.07%

HAWTHORN BANCSHARES INC / HWBK Fundamental Analysis FAQ

What is the ChartMill fundamental rating of HAWTHORN BANCSHARES INC (HWBK) stock?

ChartMill assigns a fundamental rating of 3 / 10 to HWBK.


What is the valuation status of HAWTHORN BANCSHARES INC (HWBK) stock?

ChartMill assigns a valuation rating of 3 / 10 to HAWTHORN BANCSHARES INC (HWBK). This can be considered as Overvalued.


What is the profitability of HWBK stock?

HAWTHORN BANCSHARES INC (HWBK) has a profitability rating of 4 / 10.


Can you provide the financial health for HWBK stock?

The financial health rating of HAWTHORN BANCSHARES INC (HWBK) is 3 / 10.