Hawthorn Bancshares (HWBK) AI Stock Analysis

• Market Cap: $180.96M
• Dividend Yield: 2.83%
• Average Volume (3M): 13.71K
• Price to Earnings (P/E): 10.0
• Beta (1Y): 0.63
• Revenue Growth: 20.37%
• EPS Growth: 1821.94%
• Country: US
• Employees: 284
• Sector: Financial
• Sector Strength: 77
• Industry: Banking
• EPS (TTM): 2.61
• Shares Outstanding: 6,986,723
• 10 Day Avg. Volume: 13,895
• 30 Day Avg. Volume: 13,706
• PEG Ratio: 0.00549
• Price to Book (P/B): N/A
• Price to Sales (P/S): 3.02
• Price to Cash Flow (P/CF): 5.00
• P/FCF Ratio: 2.70
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Hawthorn Bancshares' overall stock score reflects its solid financial performance, especially in cash flow management and income stability. Nonetheless, technical indicators point to potential short-term bearish trends, and the high P/E ratio raises concerns about valuation. Despite these challenges, the company's long-term financial stability supports a moderate investment outlook.

Hawthorn Bancshares Business Overview & Revenue Model

Company Description

Hawthorn Bancshares, Inc. (HWBK) is a financial holding company headquartered in Jefferson City, Missouri. It primarily operates through its wholly-owned subsidiary, Hawthorn Bank, which provides a comprehensive range of banking services. The company caters to both individual and business clients, offering products such as personal and business banking, loans, mortgages, and investment services across its branch network in Missouri.

How the Company Makes Money

Hawthorn Bancshares generates revenue primarily through interest income from its lending activities, which include personal loans, commercial and industrial loans, real estate loans, and consumer loans. Additionally, the company earns non-interest income from service charges on deposit accounts, fees related to loan origination, and investment advisory services. The bank's earnings are further supported by its strategic focus on expanding its customer base and enhancing its service offerings through digital banking solutions. Significant factors contributing to its earnings include effective risk management, maintaining strong capital ratios, and leveraging local market knowledge to tailor financial products to meet the needs of its clientele.

Hawthorn Bancshares Financial Statement Overview

Summary

Hawthorn Bancshares is in a strong financial position with solid cash flow performance, stable income metrics, and a balanced leverage profile. However, there is room for improvement in profitability measures such as Return on Equity.

Income Statement

Hawthorn Bancshares exhibits strong gross and net profit margins with a Gross Profit Margin of 99.98% and a Net Profit Margin of 7.02% TTM. Revenue growth has been positive from the previous year, indicating a recovery trajectory in the banking sector. However, both EBIT and EBITDA margins have shown mixed results, with TTM EBIT Margin at 36.71% and EBITDA Margin being affected by lower revenues compared to historical figures.

Balance Sheet

The company's balance sheet demonstrates a stable financial position, with a Debt-to-Equity Ratio of 1.01, indicating balanced leverage. The Equity Ratio is at 8.10%, suggesting a moderate level of equity relative to assets. Return on Equity stands at 4.24%, which is modest and suggests potential for higher profitability given the industry averages.

Cash Flow

Hawthorn Bancshares shows robust cash flow management with a Free Cash Flow Growth Rate of 63.88% TTM, indicating efficient capital utilization. The Operating Cash Flow to Net Income Ratio is favorable at 4.66, reflecting strong cash generation relative to earnings. Free Cash Flow to Net Income Ratio is 4.09, signaling good conversion of profits into cash flow, enhancing liquidity.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
88.55M	52.79M	72.73M	75.08M	67.97M	57.63M
	Gross Profit
88.53M	87.96M	72.73M	75.08M	67.97M	57.63M
	EBIT
32.52M	14.31M	33.44M	28.21M	17.48M	19.94M
	EBITDA
12.33M	2.54M	27.23M	30.50M	19.74M	22.00M
	Net Income Common Stockholders
6.22M	956.00K	20.75M	22.52M	14.29M	16.11M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
254.14M	93.45M	337.38M	333.35M	226.64M	208.53M
	Total Assets
1.48B	1.88B	1.92B	1.83B	1.73B	1.49B
	Total Debt
144.64M	157.70M	149.02M	128.74M	158.30M	148.63M
	Net Debt
108.70M	64.25M	62.39M	106.26M	129.69M	115.19M
	Total Liabilities
1.38B	1.74B	1.80B	1.68B	1.60B	1.38B
	Stockholders Equity
99.41M	136.09M	127.41M	148.96M	130.59M	115.04M
Cash Flow		Free Cash Flow
25.43M	15.51M	17.71M	30.02M	18.32M	16.92M
	Operating Cash Flow
28.95M	17.61M	20.28M	30.61M	20.15M	19.09M
	Investing Cash Flow
138.23M	54.19M	-206.53M	-127.94M	-138.69M	16.56M
	Financing Cash Flow
-104.56M	-62.07M	110.07M	76.87M	220.79M	389.00K

Hawthorn Bancshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 25.90
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HWBK, the sentiment is Negative. The current price of 25.9 is below the 20-day moving average (MA) of 31.72, below the 50-day MA of 31.24, and above the 200-day MA of 25.66, indicating a neutral trend. The MACD of -1.06 indicates Positive momentum. The RSI at 24.20 is Positive, neither overbought nor oversold. The STOCH value of 5.19 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HWBK.

Hawthorn Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LARK	74 Outperform	$135.92M	10.30	9.88%	3.44%	15.19%	14.28%
CFFI	72 Outperform	$211.60M	11.74	8.95%	2.49%	10.65%	-12.80%
CART	67 Neutral	$10.14B	23.52	12.68%	―	11.05%	―
HWBK	65 Neutral	$180.96M	10.00	14.14%	2.83%	20.37%	1821.94%
FMBH	65 Neutral	$839.38M	10.69	9.62%	2.69%	17.70%	3.88%
Sector *	64 Neutral	$13.80B	10.64	9.23%	4.22%	17.66%	-7.66%