HAWTHORN BANCSHARES INC (HWBK)

US4204761039 - Common Stock

18.89  0 (0%)

Fundamental Rating

2

HWBK gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. HWBK has a bad profitability rating. Also its financial health evaluation is rather negative. HWBK does not seem to be growing, but still is valued expensively.



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2

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.
In the past 5 years HWBK has always been profitable.
Each year in the past 5 years HWBK had a positive operating cash flow.

1.2 Ratios

The Return On Assets of HWBK (0.05%) is worse than 93.92% of its industry peers.
Looking at the Return On Equity, with a value of 0.70%, HWBK is doing worse than 92.94% of the companies in the same industry.
Industry RankSector Rank
ROA 0.05%
ROE 0.7%
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 1.74%, HWBK is not doing good in the industry: 95.38% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of HWBK has declined.
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) 1.74%
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

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2

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 more shares outstanding
Compared to 5 years ago, HWBK has less shares outstanding
The debt/assets ratio for HWBK has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of HWBK is 3.19, which is a good value as it means it would take HWBK, 3.19 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 3.19, HWBK perfoms like the industry average, outperforming 43.80% of the companies in the same industry.
HWBK has a Debt/Equity ratio of 0.36. This is a healthy value indicating a solid balance between debt and equity.
HWBK has a worse Debt to Equity ratio (0.36) than 63.99% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 3.19
Altman-Z N/A
ROIC/WACCN/A
WACC15.31%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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1

3. Growth

3.1 Past

The earnings per share for HWBK have decreased strongly by -95.49% in the last year.
HWBK shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -37.73% yearly.
Looking at the last year, HWBK shows a very negative growth in Revenue. The Revenue has decreased by -24.21% in the last year.
HWBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.34% yearly.
EPS 1Y (TTM)-95.49%
EPS 3Y-58.93%
EPS 5Y-37.73%
EPS growth Q2Q-257.81%
Revenue 1Y (TTM)-24.21%
Revenue growth 3Y-6.89%
Revenue growth 5Y0.34%
Revenue growth Q2Q-64.48%

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.

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1

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 145.31, HWBK can be considered very expensive at the moment.
HWBK's Price/Earnings ratio is rather expensive when compared to the industry. HWBK is more expensive than 94.16% of the companies in the same industry.
When comparing the Price/Earnings ratio of HWBK to the average of the S&P500 Index (24.84), we can say HWBK is valued expensively.
Industry RankSector Rank
PE 145.31
Fwd PE N/A

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of HWBK is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 8.55
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

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.02%, HWBK is a good candidate for dividend investing.
In the last 3 months the price of HWBK has falen by -25.63%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 3.83, HWBK has a dividend in line with its industry peers.
HWBK's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
Industry RankSector Rank
Dividend Yield 4.02%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)19.43%
Div Incr Years8
Div Non Decr Years12

5.3 Sustainability

485.79% of the earnings are spent on dividend by HWBK. This is not a sustainable payout ratio.
HWBK's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP485.79%
EPS Next 2YN/A
EPS Next 3YN/A

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HAWTHORN BANCSHARES INC

NASDAQ:HWBK (4/26/2024, 7:00:02 PM)

18.89

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap132.61M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 4.02%
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)
Max EPS beat(4)
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)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
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 RankSector Rank
PE 145.31
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 RankSector Rank
ROA 0.05%
ROE 0.7%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 1.74%
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 RankSector 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)
Growth
EPS 1Y (TTM)-95.49%
EPS 3Y-58.93%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-24.21%
Revenue growth 3Y-6.89%
Revenue growth 5Y
Revenue growth 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