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Hawthorn Bancshares (HWBK)
NASDAQ:HWBK
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Hawthorn Bancshares
(NASDAQ:HWBK)
Rating:71Outperform
Price Target:―
Hawthorn Bancshares (HWBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$217.08M
Dividend Yield2.43%
Average Volume (3M)12.01K
Price to Earnings (P/E)11.4
Beta (1Y)0.54
Revenue Growth4.86%
EPS Growth800.59%
CountryUS
Employees255
SectorFinancial
Sector Strength82
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.77
Shares Outstanding6,946,656
10 Day Avg. Volume11,574
30 Day Avg. Volume12,011
Financial Highlights & Ratios
PEG Ratio-0.59
Price to Book (P/B)0.00
Price to Sales (P/S)0.00
P/FCF Ratio9.04
Enterprise Value/Market Cap0.91
Enterprise Value/Revenue0.58
Enterprise Value/Gross Profit2.18
Enterprise Value/Ebitda3.66
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
Hawthorn Bancshares Business Overview & Revenue Model
Company DescriptionHawthorn 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 MoneyHawthorn 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, 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.75
Positive
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.70
Positive
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.80
Positive
| Breakdown | ||||
| Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|
| Income Statement | Total Revenue | |||
| 71.88M | 52.79M | 72.73M | 75.08M | 67.97M | Gross Profit |
| 70.86M | 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
Positive
31.05
Price Trends
28.72
Positive
29.85
Positive
27.78
Positive
Market Momentum
0.54
Negative
60.41
Neutral
83.67
Negative
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 31.05 is above the 20-day moving average (MA) of 29.88, above the 50-day MA of 28.72, and above the 200-day MA of 27.78, indicating a bullish trend. The MACD of 0.54 indicates Negative momentum. The RSI at 60.41 is Neutral, neither overbought nor oversold. The STOCH value of 83.67 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HWBK.
Hawthorn Bancshares Risk Analysis
Hawthorn Bancshares disclosed 37 risk factors in its most recent earnings report. Hawthorn Bancshares reported the most risks in the “Finance & Corporate” category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 1 New Risks
1.
The Actual or Perceived Occurrence of Fraudulent Activity, Breaches or Failures of our Information Security Controls, or Cybersecurity Related Incidents Could Damage Our Reputation, Disrupt Our Business, Increase our Costs and Cause Losses. Q4, 2024
Hawthorn Bancshares Peers Comparison
Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | $217.08M | 11.39 | 6.62% | 2.43% | 4.86% | 800.59% | |
69 Neutral | $207.16M | 20.71 | 8.85% | 1.38% | 4.92% | 55.04% | |
64 Neutral | $205.22M | 11.54 | 11.15% | 3.47% | 2.26% | 3.83% | |
64 Neutral | $12.78B | 9.87 | 7.67% | 17015.06% | 12.34% | -5.99% | |
62 Neutral | $213.20M | 11.35 | 8.16% | ― | 17.18% | 305.35% | |
62 Neutral | $196.24M | 16.41 | 7.16% | ― | 10.74% | -26.67% | |
51 Neutral | $213.95M | ― | -3.48% | ― | 7.45% | -41.97% |
* Financial Sector Average
Performance Comparison
HWBK
Hawthorn Bancshares
31.05
11.80
61.30%
OPOF
Old Point Financial
40.40
25.87
178.05%
FVCB
FVCBankcorp
11.63
0.45
4.03%
VABK
Virginia National Bankshares
37.46
7.07
23.26%
BLFY
Blue Foundry
9.58
-0.05
-0.52%
FINW
FinWise
14.85
4.43
42.51%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.