Hawthorn Bancshares (HWBK) AI Stock Analysis

• Market Cap: $208.63M
• Dividend Yield: 2.55%
• Average Volume (3M): 8.88K
• Price to Earnings (P/E): 9.5
• Beta (1Y): 0.62
• Revenue Growth: 2.03%
• EPS Growth: 390.32%
• Country: US
• Employees: 255
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.88
• Shares Outstanding: 6,905,968
• 10 Day Avg. Volume: 9,573
• 30 Day Avg. Volume: 8,878
• PEG Ratio: <0.01
• Price to Book (P/B): 1.33
• Price to Sales (P/S): 1.81
• P/FCF Ratio: 8.79
• Enterprise Value/Market Cap: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 64 Neutral
• Price Target: $32.00 ▲(8.81% Upside)

Hawthorn Bancshares scores a 64, driven by a mixed financial performance with strong profitability but declining revenue and cash flow. The technical analysis suggests a neutral to bearish trend, while the valuation is attractive with a reasonable P/E ratio and solid dividend yield. The absence of earnings call and corporate events data limits further insights.

Hawthorn Bancshares Business Overview & Revenue Model

Company Description

Hawthorn Bancshares, Inc. (HWBK) is a bank holding company based in Missouri, primarily engaged in the provision of financial services through its subsidiary, Hawthorn Bank. The company operates in the banking sector, offering a wide range of products and services including personal and commercial banking, mortgage lending, and investment services. With a focus on community banking, Hawthorn Bancshares aims to cater to the financial needs of individuals, small businesses, and corporate clients across its operational regions.

How the Company Makes Money

Hawthorn Bancshares generates revenue primarily through interest income derived from loans, including commercial loans, consumer loans, and real estate mortgages. Additionally, the company earns non-interest income from various fees associated with banking services such as account maintenance fees, transaction fees, and service charges. The bank's investment portfolio also contributes to its earnings through interest and dividends. Furthermore, Hawthorn Bancshares may engage in strategic partnerships with local businesses and organizations to enhance its service offerings and expand its customer base, which can lead to increased revenue streams. Overall, the company's financial performance is closely tied to the local economic conditions and the demand for banking services in its operational areas.

Hawthorn Bancshares Financial Statement Overview

Summary

Hawthorn Bancshares presents a mixed financial picture. Strong profitability metrics are offset by declining revenue growth and free cash flow. The balance sheet is stable, but reliance on debt could be a risk factor. Improvement in revenue growth and cash flow generation is needed.

Income Statement

Hawthorn Bancshares shows a mixed performance in its income statement. The TTM data indicates a decline in revenue growth at -7.4%, which is concerning. However, the company maintains a healthy net profit margin of 18.87% and a strong EBIT margin of 34.37%, indicating efficient cost management and profitability. The gross profit margin has decreased compared to previous years, which could impact future profitability if not addressed.

Balance Sheet

The balance sheet reflects a stable financial position with a debt-to-equity ratio of 1.15, which is manageable for a regional bank. Return on equity is solid at 13.63%, demonstrating effective use of equity to generate profits. However, the equity ratio is relatively low, suggesting a higher reliance on debt financing, which could pose risks if interest rates rise.

Cash Flow

Cash flow analysis reveals some challenges, with a negative free cash flow growth rate of -14.31% in the TTM period. The operating cash flow to net income ratio is low at 1.67%, indicating potential issues in converting income into cash. However, the free cash flow to net income ratio is strong at 89.38%, suggesting that the company is still able to generate cash relative to its net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	109.43M	109.67M	87.96M	83.22M	81.39M	78.02M
Gross Profit	75.02M	71.88M	52.79M	73.63M	77.18M	62.50M
EBITDA	27.20M	24.01M	2.54M	27.23M	30.50M	19.74M
Net Income	20.66M	18.26M	956.00K	20.75M	22.52M	14.29M
Balance Sheet
Total Assets	1.88B	1.83B	1.88B	1.92B	1.83B	1.73B
Cash, Cash Equivalents and Short-Term Investments	233.29M	270.65M	282.19M	337.38M	468.85M	226.64M
Total Debt	192.48M	132.69M	157.70M	154.21M	152.57M	203.45M
Total Liabilities	1.72B	1.68B	1.74B	1.80B	1.68B	1.60B
Stockholders Equity	156.82M	149.55M	136.09M	127.41M	148.96M	130.59M
Cash Flow
Free Cash Flow	19.70M	22.59M	15.51M	17.71M	29.62M	19.19M
Operating Cash Flow	22.55M	25.59M	17.61M	20.28M	30.21M	21.02M
Investing Cash Flow	816.00K	1.25M	54.19M	-206.53M	-127.53M	-139.56M
Financing Cash Flow	1.09M	-69.30M	-62.07M	110.07M	76.87M	220.79M

Hawthorn Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 29.41
• 50DMA: Negative
• 100DMA: Positive
• 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 Positive. The current price of 29.41 is below the 20-day moving average (MA) of 29.90, below the 50-day MA of 30.97, and below the 200-day MA of 29.67, indicating a neutral trend. The MACD of -0.12 indicates Negative momentum. The RSI at 49.63 is Neutral, neither overbought nor oversold. The STOCH value of 60.35 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HWBK.

Hawthorn Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CFFI	―	$221.53M	8.46	10.88%	2.65%	8.53%	42.73%
LCNB	―	$217.74M	9.21	8.98%	5.78%	5.07%	228.95%
CBNA	―	$193.83M	10.41	13.91%	―	―	―
FCCO	―	$205.89M	11.18	30.22%	2.19%	11.59%	42.03%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HWBK	―	$208.63M	9.48	14.27%	2.55%	2.03%	390.32%
BPRN	―	$210.27M	32.46	6.73%	3.85%	16.39%	-72.87%

Hawthorn Bancshares Corporate Events

Hawthorn Bancshares Reports Strong Quarterly Earnings

Hawthorn Bancshares, Inc. is a financial institution headquartered in Jefferson City, Missouri, providing a wide array of banking services to individuals and businesses across several Missouri communities, including Jefferson City, Columbia, and the greater Kansas City metropolitan area. The company operates primarily in the banking sector and competes with other financial and non-financial institutions in the region.

Hawthorn Bancshares Announces Quarterly Dividend Increase

On July 30, 2025, Hawthorn Bancshares, Inc. announced a quarterly cash dividend of $0.20 per common share, payable on October 1, 2025. The company reported a significant improvement in its financial performance for the second quarter of 2025, with net income rising by 31.8% to $6.1 million compared to the same quarter in 2024. The efficiency ratio improved, and the net interest margin increased to 3.89%. Despite a decrease in loans and deposits, the company maintained strong credit quality and capital levels, reflecting a strategic focus on managing net interest margins and controlling expenses.