HAWTHORN BANCSHARES INC (HWBK) Fundamental Analysis & Valuation

NASDAQ:HWBK • US4204761039

Current stock price

32.54 USD
-0.68 (-2.05%)
At close:
32.54 USD
0 (0%)
After Hours:

This HWBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. HWBK Profitability Analysis

1.1 Basic Checks

  • In the past year HWBK was profitable.
  • HWBK had a positive operating cash flow in the past year.
  • In the past 5 years HWBK has always been profitable.
  • Of the past 5 years HWBK 4 years had a positive operating cash flow.
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 70.87% of its industry peers.
  • HWBK has a Return On Equity of 13.47%. This is amongst the best in the industry. HWBK outperforms 89.24% 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

  • The Profit Margin of HWBK (28.48%) is better than 69.82% 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. HWBK Health Analysis

2.1 Basic Checks

  • HWBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • HWBK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

  • 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: 68.50% 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.
  • The Debt to Equity ratio of HWBK (0.30) is worse than 66.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 4.57
Altman-Z N/A
ROIC/WACCN/A
WACC13.83%
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. HWBK Growth Analysis

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.
  • HWBK shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.84% yearly.
  • 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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2

4. HWBK Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.49, which indicates a very decent valuation of HWBK.
  • 79.79% 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 25.79. HWBK is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.49
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 more expensive when compared to the industry. HWBK is more expensive than 75.85% of the companies in the same industry.
Industry RankSector Rank
P/FCF 20.72
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)0.8
EPS Next 2YN/A
EPS Next 3YN/A

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

5

5. HWBK Dividend Analysis

5.1 Amount

  • HWBK has a Yearly Dividend Yield of 2.57%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.90, HWBK has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.91, HWBK pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.57%

5.2 History

  • The dividend of HWBK is nicely growing with an annual growth rate of 14.41%!
  • HWBK has paid a dividend for at least 10 years, which is 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

  • 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
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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HWBK Fundamentals: All Metrics, Ratios and Statistics

HAWTHORN BANCSHARES INC

NASDAQ:HWBK (3/18/2026, 8:13:53 PM)

After market: 32.54 0 (0%)

32.54

-0.68 (-2.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04
Earnings (Next)04-28
Inst Owners31.02%
Inst Owner Change1.72%
Ins Owners15.98%
Ins Owner Change0%
Market Cap224.53M
Revenue(TTM)80.31M
Net Income(TTM)22.21M
Analysts0
Price TargetN/A
Short Float %1.21%
Short Ratio10.78
Dividend
Industry RankSector Rank
Dividend Yield 2.57%
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 9.49
Fwd PE N/A
P/S 2.88
P/FCF 20.72
P/OCF 16.37
P/B 1.36
P/tB 1.36
EV/EBITDA N/A
EPS(TTM)3.43
EY10.54%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.57
FCFY4.83%
OCF(TTM)1.99
OCFY6.11%
SpS11.3
BVpS23.9
TBVpS23.9
PEG (NY)N/A
PEG (5Y)0.8
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
WACC13.83%
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 Fundamental Analysis 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%.