HAWTHORN BANCSHARES INC (HWBK) Stock Fundamental Analysis

NASDAQ:HWBK • US4204761039

34.52 USD
+0.04 (+0.12%)
At close: Feb 17, 2026
34.52 USD
0 (0%)
After Hours: 2/17/2026, 8:21:53 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

HWBK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 381 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 does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

4

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 4 of the past 5 years.
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

  • The Return On Assets of HWBK (1.15%) is better than 72.18% of its industry peers.
  • HWBK's Return On Equity of 13.47% is amongst the best of the industry. HWBK outperforms 89.76% of its industry peers.
Industry RankSector Rank
ROA 1.15%
ROE 13.47%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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

  • HWBK's Profit Margin of 28.48% is fine compared to the rest of the industry. HWBK outperforms 71.39% of its industry peers.
  • 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) 28.48%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • HWBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for HWBK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
HWBK Yearly Shares OutstandingHWBK Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

  • HWBK has a debt to FCF ratio of 4.57. This is a neutral value as HWBK would need 4.57 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 4.57, HWBK is doing worse than 69.55% of the companies in the same industry.
  • A Debt/Equity ratio of 0.30 indicates that HWBK is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.30, HWBK is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 4.57
Altman-Z N/A
ROIC/WACCN/A
WACC13.43%
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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 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. Growth

3.1 Past

  • HWBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 31.66%, which is quite impressive.
  • The Earnings Per Share has been growing by 11.84% on average over the past years. This is quite good.
  • HWBK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.14%.
  • HWBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.29% yearly.
EPS 1Y (TTM)31.66%
EPS 3Y5.27%
EPS 5Y11.84%
EPS Q2Q%36.8%
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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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • HWBK is valuated reasonably with a Price/Earnings ratio of 10.06.
  • HWBK's Price/Earnings ratio is rather cheap when compared to the industry. HWBK is cheaper than 83.99% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of HWBK to the average of the S&P500 Index (27.16), we can say HWBK is valued rather cheaply.
Industry RankSector Rank
PE 10.06
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

  • 74.80% of the companies in the same industry are cheaper than HWBK, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 21.98
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)0.85
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

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

5

5. Dividend

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 2.78, HWBK has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, HWBK pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.41%

5.2 History

  • On average, the dividend of HWBK grows each year by 14.41%, which is quite nice.
  • 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 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 24.18% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of HWBK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP24.18%
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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Find the best dividend stocksShow peers with best dividend

HAWTHORN BANCSHARES INC

NASDAQ:HWBK (2/17/2026, 8:21:53 PM)

After market: 34.52 0 (0%)

34.52

+0.04 (+0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04
Earnings (Next)04-28
Inst Owners30.67%
Inst Owner Change0.56%
Ins Owners15.98%
Ins Owner Change0%
Market Cap238.19M
Revenue(TTM)80.31M
Net Income(TTM)22.21M
Analysts0
Price TargetN/A
Short Float %1.52%
Short Ratio9.85
Dividend
Industry RankSector Rank
Dividend Yield 2.41%
Yearly Dividend0.72
Dividend Growth(5Y)14.41%
DP24.18%
Div Incr Years0
Div Non Decr Years0
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 10.06
Fwd PE N/A
P/S 3.05
P/FCF 21.98
P/OCF 17.37
P/B 1.44
P/tB 1.44
EV/EBITDA N/A
EPS(TTM)3.43
EY9.94%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.57
FCFY4.55%
OCF(TTM)1.99
OCFY5.76%
SpS11.3
BVpS23.9
TBVpS23.9
PEG (NY)N/A
PEG (5Y)0.85
Graham Number42.95
Profitability
Industry RankSector Rank
ROA 1.15%
ROE 13.47%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.48%
GM N/A
FCFM 13.89%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 4.57
Debt/EBITDA N/A
Cap/Depr 150.05%
Cap/Sales 3.69%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 48.79%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.43%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)31.66%
EPS 3Y5.27%
EPS 5Y11.84%
EPS Q2Q%36.8%
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 1Y-58.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-52.62%
OCF growth 3YN/A
OCF growth 5YN/A

HAWTHORN BANCSHARES INC / HWBK 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 2 / 10 to HAWTHORN BANCSHARES INC (HWBK). This can be considered as Overvalued.


Can you provide the profitability details for HAWTHORN BANCSHARES INC?

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


How financially healthy is HAWTHORN BANCSHARES INC?

The financial health rating of HAWTHORN BANCSHARES INC (HWBK) is 1 / 10.


Is the dividend of HAWTHORN BANCSHARES INC sustainable?

The dividend rating of HAWTHORN BANCSHARES INC (HWBK) is 5 / 10 and the dividend payout ratio is 24.18%.