A Business at a Glance
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HAWTHORN BANCSHARES, INC.
HWBK
$266M
Mkt Cap
$38.34
+1.91%
HAWTHORN BANCSHARES, INC. (HWBK) has a current P/E ratio of 12.0, compared to its historical median P/E of 8.7. The stock is currently considered Fair based on its historical valuation range.
HAWTHORN BANCSHARES, INC. (HWBK) has a 5-year average return on invested capital (ROIC) of 11.9%. This indicates solid capital allocation.
HAWTHORN BANCSHARES, INC. (HWBK) has a market capitalization of $266M. It is classified as a small-cap stock.
Yes, HAWTHORN BANCSHARES, INC. (HWBK) pays a dividend with a trailing twelve-month yield of 2.04%. The company also returns capital through share buybacks, with a buyback yield of 1.08%.
Based on historical P/E analysis, HAWTHORN BANCSHARES, INC. (HWBK) appears fair. The current P/E of 12.0 is 39% above its historical median of 8.7. The estimated fair value CAGR (P/E method) is -5.5%.
HAWTHORN BANCSHARES, INC. (HWBK) operates in the National Commercial Banks industry, within the Financials sector.
HAWTHORN BANCSHARES, INC. (HWBK) reported annual revenue of $112 million in its most recent fiscal year, based on SEC EDGAR filings.
This report and the documents incorporated by reference herein contain forward-looking statements, which are inherently subject to risks and uncertainties. See "Forward Looking Statements" under Item 7, "Management's Discussion and Analysis of Financial Condition and Results of Operations", of this report. Hawthorn Bancshares, Inc. (the "Company"), is a bank holding company registered under the Bank Holding Company Act of 1956, as amended (the "Bank Holding Company Act"). The Company was incorporated under the laws of the State of Missouri on October 23, 1992 as Exchange National Bancshares, Inc. and changed its name to Hawthorn Bancshares, Inc. in August 2007. The Company owns all of the issued and outstanding capital stock of Hawthorn Bank. The Company received approval from the Federal Reserve and elected to become a financial holding company on October 21, 2001.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 112M | 112M | 110M | 100M | 83M | 81M |
| Net Income | 24M | 24M | 18M | 956K | 21M | 23M |
| EPS | $3.43 | $3.43 | $2.61 | $0.14 | $2.94 | $3.15 |
| Free Cash Flow | 23M | 23M | 23M | 16M | 18M | 30M |
| ROIC | 8.6% | 14.7% | 12.8% | 0.7% | 15.0% | 16.1% |
| Gross Margin | 85.1% | 85.1% | 82.2% | 80.4% | 86.3% | 90.6% |
| Debt/Equity | 0.00 | 9.88 | 0.00 | 0.00 | 0.04 | 0.16 |
| Dividends/Share | $0.78 | $0.78 | $0.72 | $0.68 | $0.60 | $0.51 |
| Operating Income | 2.2M | 2.2M | 1.7M | 993K | 1.4M | 1.5M |
| Operating Margin | 2.0% | 2.0% | 1.6% | 1.0% | 1.7% | 1.9% |
| ROE | 13.7% | 14.7% | 12.8% | 0.7% | 15.0% | 16.1% |
| Shares Outstanding | 7M | 7M | 7M | 7M | 7M | 7M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 53M | 55M | 54M | 60M | 67M | 73M | 78M | 81M | 83M | 100M | 110M | 112M | 112M |
| Gross Margin | 0.0% | 90.4% | 87.0% | 83.7% | 78.2% | 77.5% | 80.1% | 90.6% | 86.3% | 80.4% | 82.2% | 85.1% | 85.1% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 20M | 21M | 21M | 22M | 23M | 22M | 26M | 28M | 27M | 29M | 27M | 28M | 28M |
| EBIT | 12M | 13M | 11M | 252K | 12M | 20M | 17M | 1.5M | 1.4M | 993K | 1.7M | 2.2M | 2.2M |
| Op. Margin | 22.0% | 24.0% | 20.3% | 0.4% | 18.4% | 27.3% | 22.4% | 1.9% | 1.7% | 1.0% | 1.6% | 2.0% | 2.0% |
| Net Income | 7.7M | 8.6M | 7.3M | 3.4M | 11M | 16M | 14M | 23M | 21M | 956K | 18M | 24M | 24M |
| Net Margin | 14.4% | 15.7% | 13.4% | 5.7% | 16.0% | 22.1% | 18.3% | 27.7% | 24.9% | 1.0% | 16.6% | 21.3% | 21.3% |
| Non-Recurring | 60K | 8K | 1K | -123K | -3K | -48K | 104K | -29K | 160K | 133K | -199K | 63K | 63K |
| Returns on Capital | |||||||||||||
| ROIC | 9.9% | 10.2% | 8.2% | 3.7% | 11.2% | 15.0% | 11.6% | 16.1% | 15.0% | 0.7% | 12.8% | 14.7% | 8.6% |
| ROE | 9.9% | 10.2% | 8.2% | 3.7% | 11.2% | 15.0% | 11.6% | 16.1% | 15.0% | 0.7% | 12.8% | 14.7% | 13.7% |
| ROA | 0.7% | 0.7% | 0.6% | 0.3% | 0.7% | 1.1% | 0.9% | 1.3% | 1.1% | 0.1% | 1.0% | 1.3% | 1.3% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 14M | 13M | 14M | 12M | 16M | 19M | 21M | 30M | 20M | 18M | 26M | 27M | 27M |
| Free Cash Flow | 12M | 12M | 12M | 11M | 14M | 17M | 19M | 30M | 18M | 16M | 23M | 23M | 23M |
| Owner Earnings | 12M | 12M | 12M | 11M | 15M | 17M | 19M | 28M | 18M | 15M | 24M | 24M | 24M |
| CapEx | 1.3M | 872K | 1.3M | 1.3M | 2.3M | 2.2M | 1.8M | 591K | 2.6M | 2.1M | 3.0M | 4.1M | 4.1M |
| Maint. CapEx | 1.8M | 1.8M | 1.8M | 1.7M | 1.8M | 2.1M | 2.3M | 2.3M | 2.3M | 2.2M | 1.7M | 2.3M | 2.3M |
| Growth CapEx | 0 | 0 | 0 | 0 | 529K | 106K | 0 | 0 | 267K | 0 | 1.3M | 1.7M | 1.7M |
| D&A | 1.8M | 1.8M | 1.8M | 1.7M | 1.8M | 2.1M | 2.3M | 2.3M | 2.3M | 2.2M | 1.7M | 2.3M | 2.3M |
| CapEx/OCF | N/A | N/A | N/A | 10.1% | 14.3% | 11.4% | 8.7% | 2.0% | 12.7% | 11.9% | 11.7% | N/A | 15.1% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 1.0M | 1.1M | 1.1M | 1.5M | 2.0M | 2.7M | 3.0M | 3.6M | 4.2M | 4.6M | 5.0M | 5.4M | 5.4M |
| Dividend Yield | N/A | N/A | N/A | 1.6% | 1.9% | 2.1% | 2.8% | 2.8% | 2.9% | 3.7% | 3.2% | N/A | 2.0% |
| Share Buybacks | 0 | 33K | 623K | 878K | 179K | 0 | 906K | 2.1M | 2.9M | 0 | 1.1M | 2.9M | 2.9M |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.9% | 0.2% | N/A | 0.7% | 1.4% | 2.2% | N/A | 0.6% | 0.0% | 1.1% |
| Stock-Based Comp | 20K | 10K | 17K | 3K | 0 | 0 | 0 | 0 | 0 | 42K | 184K | 392K | 392K |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | 73M | -206M | 54M | -8.1M | -236M | -226M | -333M | -447M | -79M | -93M | -51M | N/A | -104M |
| Cash & Equiv. | 42M | 27M | 26M | 63M | 42M | 78M | 180M | 160M | 84M | 93M | 51M | 104M | 104M |
| Long-Term Debt | N/A | N/A | N/A | 49M | 49M | 49M | 49M | 49M | 49M | 49M | 82M | 102M | 102M |
| Debt/Equity | 3.90 | 0.65 | 3.23 | 3.13 | 0.25 | 0.24 | 0.35 | 0.16 | 0.04 | 0.00 | 0.00 | 9.88 | 0.00 |
| Interest Coverage | 0.0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.1 |
| Equity | 81M | 87M | 91M | 91M | 99M | 115M | 131M | 149M | 127M | 136M | 150M | 174M | 174M |
| Total Assets | 1.2B | 1.2B | 1.3B | 1.4B | 1.5B | 1.5B | 1.7B | 1.8B | 1.9B | 1.9B | 1.8B | 1.9B | 1.9B |
| Total Liabilities | 1.1B | 1.1B | 1.2B | 1.3B | 1.4B | 1.4B | 1.6B | 1.7B | 1.8B | 1.7B | 1.7B | 1.7B | 1.7B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 44M | 49M | 52M | 51M | 54M | 62M | 69M | 82M | 92M | 76M | 90M | 108M | 108M |
| Working Capital | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 1.35 | 1.46 | 1.19 | 0.54 | 1.64 | 2.38 | 2.04 | 3.15 | 2.94 | 0.14 | 2.61 | 3.43 | 3.43 |
| Owner EPS | 2.08 | 1.96 | 1.92 | 1.70 | 2.22 | 2.56 | 2.68 | 3.91 | 2.55 | 2.25 | 3.39 | 3.49 | 3.49 |
| Book Value | 14.21 | 14.82 | 14.87 | 14.45 | 15.22 | 16.99 | 18.64 | 20.84 | 18.05 | 19.93 | 21.38 | 25.11 | 25.11 |
| Cash Flow/Share | 2.39 | 2.27 | 2.21 | 1.97 | 2.50 | 2.86 | 3.00 | 4.23 | 2.87 | 2.58 | 3.66 | 3.88 | 3.77 |
| Dividends/Share | 0.18 | 0.18 | 0.18 | 0.23 | 0.31 | 0.40 | 0.43 | 0.51 | 0.60 | 0.68 | 0.72 | 0.78 | 0.78 |
| Shares Out. | 5.7M | 5.9M | 6.1M | 6.3M | 6.5M | 6.8M | 7.0M | 7.1M | 7.1M | 6.8M | 7.0M | 6.9M | 6.9M |
| Valuation | |||||||||||||
| P/E Ratio | N/A | N/A | N/A | 29.0 | 10.1 | 8.5 | 8.7 | 6.7 | 6.3 | 171.4 | 10.6 | N/A | 11.2 |
| P/FCF | N/A | N/A | N/A | 8.5 | 7.5 | 7.6 | 6.2 | 5.1 | 7.4 | 10.6 | 8.5 | N/A | 11.6 |
| EV/EBIT | N/A | N/A | N/A | 339.4 | 4.5 | 3.1 | -0.3 | 1.2 | 55.1 | 76.0 | 112.5 | N/A | 73.4 |
| Price/Book | N/A | N/A | N/A | 1.1 | 1.1 | 1.2 | 0.9 | 1.0 | 1.0 | 1.2 | 1.3 | N/A | 1.5 |
| Price/Sales | N/A | N/A | N/A | 1.8 | 2.1 | 2.3 | 1.7 | 1.7 | 2.0 | 1.9 | 2.1 | N/A | 2.4 |
| FCF Yield | N/A | N/A | N/A | 11.3% | 12.9% | 12.6% | 15.5% | 19.7% | 13.5% | 9.5% | 11.7% | N/A | 8.6% |
| Market Cap | 0 | 0 | 0 | 99M | 108M | 137M | 124M | 150M | 131M | 164M | 193M | 0 | 266M |
| Avg. Price | 0.00 | 0.00 | 0.00 | 14.45 | 16.34 | 18.58 | 15.63 | 18.21 | 20.97 | 18.22 | 22.23 | 0.00 | 38.34 |
| Year-End Price | 0.00 | 0.00 | 0.00 | 15.00 | 15.97 | 19.42 | 16.99 | 20.96 | 18.55 | 23.99 | 27.57 | 0.00 | 38.34 |
HAWTHORN BANCSHARES, INC. passes 4 of 9 quality checks, suggesting mixed fundamentals.
HAWTHORN BANCSHARES, INC. trades at 12.0x trailing earnings, compared to its 15-year median P/E of 8.7x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 24.4x vs a median of 7.6x. The company's 5-year average ROIC is 11.9% with a gross margin of 84.9%. Total shareholder yield (dividends + buybacks) is 3.1%. At current prices, the estimated annualized return to fair value is +0.7%.
HAWTHORN BANCSHARES, INC. (HWBK) has a net profit margin of 21.3%. This is a strong margin indicating high profitability.
HAWTHORN BANCSHARES, INC. (HWBK) generated $23 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
HAWTHORN BANCSHARES, INC. (HWBK) has a debt-to-equity ratio of 9.88. This indicates higher leverage, which may increase financial risk.
HAWTHORN BANCSHARES, INC. (HWBK) reported earnings per share (EPS) of $3.43 in its most recent fiscal year.
HAWTHORN BANCSHARES, INC. (HWBK) has a return on equity (ROE) of 14.7%. This indicates moderate shareholder returns.
HAWTHORN BANCSHARES, INC. (HWBK) has a 5-year average gross margin of 84.9%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 17 years of financial data for HAWTHORN BANCSHARES, INC. (HWBK), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
HAWTHORN BANCSHARES, INC. (HWBK) has a book value per share of $25.11, based on its most recent annual SEC filing.