HWBK Fundamental Analysis - HAWTHORN BANCSHARES INC

Fundamental Rating

Overall HWBK gets a fundamental rating of 3 out of 10. We evaluated HWBK against 394 industry peers in the Banks industry. HWBK has a medium profitability rating, but doesn't score so well on its financial health evaluation. HWBK does not seem to be growing, but still is valued expensively.

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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 each of the past 5 years.

1.2 Ratios

With a decent Return On Assets value of 1.02%, HWBK is doing good in the industry, outperforming 66.41% of the companies in the same industry.

Looking at the Return On Equity, with a value of 12.50%, HWBK belongs to the top of the industry, outperforming 85.24% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

Looking at the Profit Margin, with a value of 25.96%, HWBK is in the better half of the industry, outperforming 65.14% of the companies in the same industry.

HWBK's Profit Margin has been stable in the last couple of years.

HWBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 1 year ago, HWBK has a worse debt to assets ratio.

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 has a Debt to FCF ratio of 2.16. This is comparable to the rest of the industry: HWBK outperforms 47.58% 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 has a Debt to Equity ratio of 0.32. This is in the lower half of the industry: HWBK underperforms 71.50% 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 Rank	Sector Rank
Debt/Equity	0.32
Debt/FCF	2.16
Altman-Z	N/A

ROIC/WACCN/A

WACC14.34%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 387.14% 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 29.80%.

HWBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.01% yearly.

EPS 1Y (TTM)387.14%

EPS 3Y-6.1%

EPS 5Y3.46%

EPS Q2Q%32.99%

Revenue 1Y (TTM)29.8%

Revenue growth 3Y-0.97%

Revenue growth 5Y4.01%

Sales Q2Q%8.44%

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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4. Valuation

4.1 Price/Earnings Ratio

HWBK is valuated reasonably with a Price/Earnings ratio of 10.15.

76.59% of the companies in the same industry are more expensive than HWBK, based on the Price/Earnings ratio.

The average S&P500 Price/Earnings ratio is at 26.87. HWBK is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	10.15
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, HWBK is valued a bit cheaper than 72.77% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.08
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)2.93

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

HWBK has a Yearly Dividend Yield of 2.65%.

Compared to an average industry Dividend Yield of 3.43, HWBK has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.36, HWBK has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.65%

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

5.3 Sustainability

26.99% 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.

DP26.99%

EPS Next 2YN/A

EPS Next 3YN/A

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HAWTHORN BANCSHARES INC

NASDAQ:HWBK (8/15/2025, 8:27:30 PM)

After market: 29.86 -0.17 (-0.57%)

30.03

-0.19 (-0.63%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24

Earnings (Next)10-28 2025-10-28

Inst Owners27.8%

Inst Owner Change4.55%

Ins Owners16.48%

Ins Owner Change4.75%

Market Cap208.71M

Analysts0

Price TargetN/A

Short Float %2.25%

Short Ratio4.19

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.65%

Yearly Dividend0.72

Dividend Growth(5Y)14.41%

DP26.99%

Div Incr Years0

Div Non Decr Years0

Ex-Date09-15 2025-09-15 (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 Rank	Sector Rank
PE	10.15
Fwd PE	N/A
P/S	2.82
P/FCF	9.08
P/OCF	8.11
P/B	1.36
P/tB	1.36
EV/EBITDA	N/A

EPS(TTM)2.96

EY9.86%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)3.31

FCFY11.02%

OCF(TTM)3.7

OCFY12.33%

SpS10.63

BVpS22.07

TBVpS22.07

PEG (NY)N/A

PEG (5Y)2.93

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC14.34%

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)387.14%

EPS 3Y-6.1%

EPS 5Y3.46%

EPS Q2Q%32.99%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)29.8%

Revenue growth 3Y-0.97%

Revenue growth 5Y4.01%

Sales Q2Q%8.44%

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%

HAWTHORN BANCSHARES INC (HWBK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens