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HAWTHORN BANCSHARES INC (HWBK) Stock Fundamental Analysis

NASDAQ:HWBK - Nasdaq - US4204761039 - Common Stock - Currency: USD

29.4  +0.26 (+0.89%)

Fundamental Rating

3

Taking everything into account, HWBK scores 3 out of 10 in our fundamental rating. HWBK was compared to 395 industry peers in the Banks industry. While HWBK is still in line with the averages on profitability rating, there are concerns on its financial health. HWBK has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

HWBK had positive earnings in the past year.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

The Return On Assets of HWBK (1.02%) is better than 67.85% of its industry peers.
With an excellent Return On Equity value of 12.50%, HWBK belongs to the best of the industry, outperforming 85.57% of the companies in the same industry.
Industry RankSector Rank
ROA 1.02%
ROE 12.5%
ROIC N/A
ROA(3y)0.71%
ROA(5y)0.84%
ROE(3y)9.73%
ROE(5y)11.05%
ROIC(3y)N/A
ROIC(5y)N/A
HWBK Yearly ROA, ROE, ROICHWBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

HWBK has a Profit Margin of 25.96%. This is in the better half of the industry: HWBK outperforms 64.56% of its industry peers.
HWBK's Profit Margin has been stable 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) 25.96%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.84%
PM growth 5Y-1.42%
GM growth 3YN/A
GM growth 5YN/A
HWBK Yearly Profit, Operating, Gross MarginsHWBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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3

2. Health

2.1 Basic Checks

HWBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, HWBK has less shares outstanding
HWBK has less shares outstanding than it did 5 years ago.
The debt/assets ratio for HWBK is higher compared to a year ago.
HWBK Yearly Shares OutstandingHWBK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
HWBK Yearly Total Debt VS Total AssetsHWBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

The Debt to FCF ratio of HWBK is 2.16, which is a good value as it means it would take HWBK, 2.16 years of fcf income to pay off all of its debts.
HWBK's Debt to FCF ratio of 2.16 is in line compared to the rest of the industry. HWBK outperforms 45.82% of its industry peers.
HWBK has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
HWBK's Debt to Equity ratio of 0.32 is on the low side compared to the rest of the industry. HWBK is outperformed by 72.15% of its industry peers.
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 0.32
Debt/FCF 2.16
Altman-Z N/A
ROIC/WACCN/A
WACC15.2%
HWBK Yearly LT Debt VS Equity VS FCFHWBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 795.69% over the past year.
Measured over the past 5 years, HWBK shows a small growth in Earnings Per Share. The EPS has been growing by 3.46% on average per year.
Looking at the last year, HWBK shows a very strong growth in Revenue. The Revenue has grown by 32.53%.
Measured over the past years, HWBK shows a small growth in Revenue. The Revenue has been growing by 4.01% on average per year.
EPS 1Y (TTM)795.69%
EPS 3Y-6.1%
EPS 5Y3.46%
EPS Q2Q%21.38%
Revenue 1Y (TTM)32.53%
Revenue growth 3Y-0.97%
Revenue growth 5Y4.01%
Sales Q2Q%5.54%

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.73, which indicates a very decent valuation of HWBK.
Based on the Price/Earnings ratio, HWBK is valued a bit cheaper than 74.43% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.21. HWBK is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.73
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 74.94% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.89
EV/EBITDA N/A
HWBK Per share dataHWBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)3.1
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

HWBK has a Yearly Dividend Yield of 2.91%.
HWBK's Dividend Yield is comparable with the industry average which is at 3.47.
HWBK's Dividend Yield is a higher than the S&P500 average which is at 2.42.
Industry RankSector Rank
Dividend Yield 2.91%

5.2 History

The dividend of HWBK is nicely growing with an annual growth rate of 14.41%!
HWBK has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)14.41%
Div Incr Years0
Div Non Decr Years0
HWBK Yearly Dividends per shareHWBK Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

26.99% of the earnings are spent on dividend by HWBK. This is a low number and sustainable payout ratio.
The dividend of HWBK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP26.99%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
HWBK Dividend Payout.HWBK Dividend Payout, showing the Payout Ratio.HWBK Dividend Payout.PayoutRetained Earnings

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HAWTHORN BANCSHARES INC

NASDAQ:HWBK (7/1/2025, 8:32:47 PM)

29.4

+0.26 (+0.89%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23
Earnings (Next)07-24 2025-07-24
Inst Owners27.44%
Inst Owner Change0.01%
Ins Owners16.48%
Ins Owner Change4.75%
Market Cap204.33M
Analysts0
Price TargetN/A
Short Float %0.22%
Short Ratio0.43
Dividend
Industry RankSector Rank
Dividend Yield 2.91%
Yearly Dividend0.72
Dividend Growth(5Y)14.41%
DP26.99%
Div Incr Years0
Div Non Decr Years0
Ex-Date06-13 2025-06-13 (0.2)
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 10.73
Fwd PE N/A
P/S 2.77
P/FCF 8.89
P/OCF 7.94
P/B 1.33
P/tB 1.33
EV/EBITDA N/A
EPS(TTM)2.74
EY9.32%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.31
FCFY11.25%
OCF(TTM)3.7
OCFY12.59%
SpS10.63
BVpS22.07
TBVpS22.07
PEG (NY)N/A
PEG (5Y)3.1
Profitability
Industry RankSector Rank
ROA 1.02%
ROE 12.5%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.96%
GM N/A
FCFM 31.11%
ROA(3y)0.71%
ROA(5y)0.84%
ROE(3y)9.73%
ROE(5y)11.05%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.84%
PM growth 5Y-1.42%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 2.16
Debt/EBITDA N/A
Cap/Depr 158.65%
Cap/Sales 3.7%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 119.86%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC15.2%
ROIC/WACCN/A
Cap/Depr(3y)133.91%
Cap/Depr(5y)101.64%
Cap/Sales(3y)3.82%
Cap/Sales(5y)2.98%
Profit Quality(3y)610.56%
Profit Quality(5y)419.85%
High Growth Momentum
Growth
EPS 1Y (TTM)795.69%
EPS 3Y-6.1%
EPS 5Y3.46%
EPS Q2Q%21.38%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)32.53%
Revenue growth 3Y-0.97%
Revenue growth 5Y4.01%
Sales Q2Q%5.54%
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 1Y28.52%
FCF growth 3Y-9.04%
FCF growth 5Y5.59%
OCF growth 1Y33.49%
OCF growth 3Y-5.79%
OCF growth 5Y5.72%