Hawthorn Bancshares (HWBK) AI Stock Analysis

• Market Cap: $192.00M
• Dividend Yield: 2.79%
• Average Volume (3M): 17.71K
• Price to Earnings (P/E): 10.5
• Beta (1Y): 0.60
• Revenue Growth: 9.65%
• EPS Growth: 1820.32%
• Country: US
• Employees: 255
• Sector: Financial
• Sector Strength: 86
• Industry: Banks - Regional
• EPS (TTM): 2.61
• Shares Outstanding: 6,981,769
• 10 Day Avg. Volume: 24,920
• 30 Day Avg. Volume: 17,714
• PEG Ratio: 0.00579
• Price to Book (P/B): N/A
• Price to Sales (P/S): 2.80
• Price to Cash Flow (P/CF): 26.30
• P/FCF Ratio: 5.50
• 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' strong financial performance, characterized by solid revenue and cash flow growth, is the primary strength driving the stock's potential. Moderate leverage adds a degree of risk typical of the banking sector. Technical indicators suggest a cautious outlook with slight bearish signals. The stock's valuation is reasonable with an attractive dividend yield. The lack of recent earnings call data or significant corporate events leaves the financial performance and valuation as primary factors in the overall assessment.

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 subsidiary, Hawthorn Bank, which provides a wide range of financial services to individuals and businesses. The company's offerings include personal and commercial banking products such as checking and savings accounts, loans, mortgages, and investment services. Hawthorn Bancshares focuses on serving communities across Missouri with a commitment to personalized customer service and community involvement.

How the Company Makes Money

Hawthorn Bancshares makes money through its subsidiary, Hawthorn Bank, by offering a variety of financial products and services. The company's primary revenue streams include interest income from loans and mortgages, fees from banking services such as account maintenance and transaction fees, and investment income from securities. Additionally, the bank earns money through interest rate spreads, which is the difference between the interest it earns on loans and the interest it pays on deposits. Hawthorn Bancshares' earnings are also influenced by economic factors such as interest rates and loan demand, as well as its ability to manage credit risk and operational efficiency.

Hawthorn Bancshares Financial Statement Overview

Summary

Hawthorn Bancshares demonstrates strong financial performance with substantial revenue and net income growth. The balance sheet indicates moderate leverage, which is typical for the banking industry but poses potential risks during market fluctuations. Cash flow metrics are strong, highlighting effective cash management. Overall, the company appears well-positioned for continued growth.

Income Statement

Hawthorn Bancshares experienced significant revenue growth over the past year, with a growth rate of 38.05% from 2023 to 2024. The net profit margin improved from 1.81% to 25.03%, indicating enhanced profitability. However, EBIT and EBITDA margins are not calculable due to zero values, which could suggest accounting adjustments or operational challenges.

Balance Sheet

The company's debt-to-equity ratio is 0.89, indicating a moderate level of leverage. The return on equity (ROE) improved to 12.2%, showing effective utilization of equity. The equity ratio is 8.19%, suggesting a low reliance on equity financing, which is typical for banks but could pose risks in volatile markets.

Cash Flow

Free cash flow grew by 45.58% from 2023 to 2024, reflecting strong cash generation. The operating cash flow to net income ratio is 1.40, indicating robust cash generation relative to net income. The free cash flow to net income ratio is 1.24, showcasing efficient cash conversion.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
72.91M	52.79M	72.73M	75.08M	67.97M
	Gross Profit
71.88M	52.79M	72.73M	75.08M	67.97M
	EBIT
0.00	14.31M	33.44M	28.21M	17.48M
	EBITDA
0.00	2.54M	27.23M	30.50M	19.74M
	Net Income Common Stockholders
18.26M	956.00K	20.75M	22.52M	14.29M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
50.99M	93.45M	337.38M	333.35M	226.64M
	Total Assets
1.83B	1.88B	1.92B	1.83B	1.73B
	Total Debt
132.69M	157.70M	149.02M	128.74M	158.30M
	Net Debt
80.69M	64.25M	62.39M	106.26M	129.69M
	Total Liabilities
1.68B	1.74B	1.80B	1.68B	1.60B
	Stockholders Equity
149.55M	136.09M	127.41M	148.96M	130.59M
Cash Flow		Free Cash Flow
22.59M	15.51M	17.71M	30.02M	18.32M
	Operating Cash Flow
25.59M	17.61M	20.28M	30.61M	20.15M
	Investing Cash Flow
1.25M	54.19M	-206.53M	-127.94M	-138.69M
	Financing Cash Flow
-69.30M	-62.07M	110.07M	76.87M	220.79M

Hawthorn Bancshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 26.65
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 26.65 is below the 20-day moving average (MA) of 27.79, below the 50-day MA of 29.78, and above the 200-day MA of 26.53, indicating a neutral trend. The MACD of -0.67 indicates Negative momentum. The RSI at 41.86 is Neutral, neither overbought nor oversold. The STOCH value of 33.76 is Neutral, 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	76 Outperform	$158.49M	12.15	9.88%	2.96%	18.26%	6.14%
CFFI	70 Outperform	$200.52M	10.30	8.95%	2.88%	10.65%	-12.80%
HWBK	69 Neutral	$192.00M	10.55	14.14%	2.79%	9.65%	1820.32%
CART	67 Neutral	$10.13B	25.27	12.68%	―	11.05%	―
FMBH	65 Neutral	$746.81M	9.43	9.62%	3.05%	17.70%	3.88%
Sector *	64 Neutral	$13.21B	9.26	9.39%	4.87%	16.14%	-8.87%