Hawthorn Bancshares (HWBK) AI Stock Analysis

• Market Cap: $198.40M
• Dividend Yield: 2.8%
• Average Volume (3M): 14.96K
• Price to Earnings (P/E): 10.4
• Beta (1Y): 0.55
• Revenue Growth: 4.86%
• EPS Growth: 800.59%
• Country: US
• Employees: 255
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 0.77
• Shares Outstanding: 6,946,656
• 10 Day Avg. Volume: 19,563
• 30 Day Avg. Volume: 14,963
• PEG Ratio: -1.07
• Price to Book (P/B): 1.16
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.35
• Enterprise Value/Market Cap: 1.39
• Enterprise Value/Revenue: 0.79
• Enterprise Value/Gross Profit: 3.34
• Enterprise Value/Ebitda: 6.01
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 71 Outperform
• Price Target: $32.00 ▲(12.04%Upside)

Hawthorn Bancshares' strong financial performance, characterized by robust revenue and net income growth, is the most significant factor contributing to its overall score. Although technical indicators show some short-term weakness, the stock's valuation presents potential upside. The absence of earnings call data and notable corporate events limits further insights.

Hawthorn Bancshares Business Overview & Revenue Model

Company Description

Hawthorn Bancshares, Inc. operates as the bank holding company for Hawthorn Bank that provides commercial and personal banking services. It accepts checking, savings, money market, individual retirement, and other time deposit accounts; and certificates of deposit. The company also offers commercial and industrial, single payment personal, installment, commercial and residential real estate, and consumer loans, as well as equipment, operating, and small business administration loans; and debit and credit cards. In addition, it provides trust services that include estate planning, investment, and asset management services; and cash management, safety deposit box, brokerage, and Internet banking services. The company operates through 23 banking offices in Missouri communities, Jefferson City, Columbia, Clinton, Warsaw, Springfield, St. Louis, and the greater Kansas City metropolitan area. Hawthorn Bancshares, Inc. was founded in 1865 and is headquartered in Jefferson City, Missouri.

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
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
96.85M	71.88M	52.79M	72.73M	75.08M	67.97M
	Gross Profit
82.52M	70.86M	52.79M	72.73M	75.08M	67.97M
	EBIT
23.53M	34.54M	14.31M	33.44M	28.21M	17.48M
	EBITDA
19.14M	24.01M	2.54M	25.09M	30.50M	0.00
	Net Income Common Stockholders
19.18M	18.26M	956.00K	20.75M	22.52M	14.29M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
234.06M	270.65M	282.19M	337.38M	475.97M	226.64M
	Total Assets
1.88B	1.83B	1.88B	1.92B	1.83B	1.73B
	Total Debt
176.61M	132.69M	157.70M	149.02M	152.57M	158.30M
	Net Debt
73.36M	80.69M	64.25M	62.39M	106.26M	129.69M
	Total Liabilities
1.73B	1.68B	1.74B	1.80B	1.68B	1.60B
	Stockholders Equity
153.41M	149.55M	136.09M	127.41M	148.96M	130.59M
Cash Flow		Free Cash Flow
22.99M	22.59M	15.51M	17.71M	29.62M	19.19M
	Operating Cash Flow
25.72M	25.59M	17.61M	20.28M	20.55M	21.02M
	Investing Cash Flow
8.24M	1.25M	54.19M	-206.53M	-127.53M	-139.56M
	Financing Cash Flow
24.79M	-69.30M	-62.07M	110.07M	76.87M	220.79M

Hawthorn Bancshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 28.56
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• 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 28.56 is below the 20-day moving average (MA) of 29.29, below the 50-day MA of 28.83, and above the 200-day MA of 28.23, indicating a neutral trend. The MACD of -0.20 indicates Positive momentum. The RSI at 46.08 is Neutral, neither overbought nor oversold. The STOCH value of 4.50 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
HWBK	71 Outperform	$198.40M	10.41	6.62%	2.80%	4.86%	800.59%
OPOF	69 Neutral	$201.19M	20.02	8.85%	1.43%	4.92%	55.04%
Sector *	64 Neutral	$12.77B	9.71	7.85%	78.06%	12.07%	-7.97%
VABK	64 Neutral	$201.77M	11.09	11.15%	3.85%	2.26%	3.83%
FVCB	62 Neutral	$204.92M	11.12	8.16%	―	17.18%	305.35%
FINW	62 Neutral	$192.94M	15.56	7.16%	―	10.74%	-26.67%
BLFY	51 Neutral	$192.88M	―	-3.48%	―	7.45%	-41.97%

Hawthorn Bancshares Corporate Events

Hawthorn Bancshares Announces New Stock Repurchase Program

On June 3, 2025, Hawthorn Bancshares, Inc. held its Annual Meeting of Shareholders, where approximately 64.05% of the company’s common stock was represented. Shareholders elected four Class III directors, ratified the appointment of Forvis Mazars, LLP as the independent registered public accounting firm, and approved executive compensation. On June 5, 2025, the company announced a new common stock repurchase program, authorizing the repurchase of up to $10 million in market value of its common stock, replacing the prior program. The repurchased shares will be held in treasury for general corporate purposes, with the program having no termination date and being subject to market conditions.