31.71 USD
-0.88 (-2.7%)
31.71 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to HWBK. HWBK was compared to 383 industry peers in the Banks industry. There are concerns on the financial health of HWBK while its profitability can be described as average. HWBK has a expensive valuation and it also scores bad on growth.
1. Profitability
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.
1.2 Ratios
- The Return On Assets of HWBK (1.15%) is better than 73.37% of its industry peers.
- HWBK has a Return On Equity of 13.47%. This is amongst the best in the industry. HWBK outperforms 90.60% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.15% | ||
| ROE | 13.47% | ||
| 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
1.3 Margins
- HWBK has a Profit Margin of 28.48%. This is in the better half of the industry: HWBK outperforms 72.06% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.48% | ||
| 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
2. Health
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.
- The number of shares outstanding for HWBK has been reduced compared to 5 years ago.
- The debt/assets ratio for HWBK is higher compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of HWBK is 4.57, which is a neutral value as it means it would take HWBK, 4.57 years of fcf income to pay off all of its debts.
- With a Debt to FCF ratio value of 4.57, HWBK is not doing good in the industry: 69.71% of the companies in the same industry are doing better.
- 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: 67.89% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 4.57 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.93%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- HWBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 257.51%, which is quite impressive.
- HWBK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.46% yearly.
- Looking at the last year, HWBK shows a very strong growth in Revenue. The Revenue has grown by 28.99%.
- 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)257.51%
EPS 3Y-6.1%
EPS 5Y3.46%
EPS Q2Q%35.31%
Revenue 1Y (TTM)28.99%
Revenue growth 3Y-0.97%
Revenue growth 5Y4.01%
Sales Q2Q%14.17%
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
- Based on the Price/Earnings ratio of 9.94, the valuation of HWBK can be described as reasonable.
- HWBK's Price/Earnings ratio is rather cheap when compared to the industry. HWBK is cheaper than 84.33% of the companies in the same industry.
- HWBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.94 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, HWBK is valued a bit more expensive than the industry average as 72.85% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.19 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.87
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- HWBK has a Yearly Dividend Yield of 2.45%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.87, HWBK has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.85, HWBK pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.45% |
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
5.3 Sustainability
- 24.18% of the earnings are spent on dividend by HWBK. This is a low number and sustainable payout ratio.
- HWBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP24.18%
EPS Next 2YN/A
EPS Next 3YN/A
31.71
-0.88 (-2.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22 2025-10-22
Earnings (Next)01-20 2026-01-20
Inst Owners30.67%
Inst Owner Change0%
Ins Owners15.98%
Ins Owner Change0%
Market Cap218.80M
Revenue(TTM)78.00M
Net Income(TTM)22.21M
Analysts0
Price TargetN/A
Short Float %1.89%
Short Ratio10.45
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.45% |
Yearly Dividend0.72
Dividend Growth(5Y)14.41%
DP24.18%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.94 | ||
| Fwd PE | N/A | ||
| P/S | 2.81 | ||
| P/FCF | 20.19 | ||
| P/OCF | 15.95 | ||
| P/B | 1.33 | ||
| P/tB | 1.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.19
EY10.06%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.57
FCFY4.95%
OCF(TTM)1.99
OCFY6.27%
SpS11.3
BVpS23.9
TBVpS23.9
PEG (NY)N/A
PEG (5Y)2.87
Graham Number41.42
Profitability
| Industry Rank | Sector 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)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
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 3Y-5.84%
PM growth 5Y-1.42%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector 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
WACC13.93%
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)257.51%
EPS 3Y-6.1%
EPS 5Y3.46%
EPS Q2Q%35.31%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)28.99%
Revenue growth 3Y-0.97%
Revenue growth 5Y4.01%
Sales Q2Q%14.17%
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-35.95%
FCF growth 3Y-9.04%
FCF growth 5Y5.59%
OCF growth 1Y-25.62%
OCF growth 3Y-5.79%
OCF growth 5Y5.72%
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 2 / 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%.