Hawthorn Bancshares (HWBK) AI Stock Analysis

• Market Cap: $238.46M
• Dividend Yield: 2.39%
• Average Volume (3M): 9.63K
• Price to Earnings (P/E): 10.2
• Beta (1Y): 0.41
• Revenue Growth: 0.16%
• EPS Growth: 258.06%
• Country: US
• Employees: 255
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.90
• Shares Outstanding: 6,901,810
• 10 Day Avg. Volume: 15,383
• 30 Day Avg. Volume: 9,627
• PEG Ratio: 0.32
• Price to Book (P/B): 1.40
• Price to Sales (P/S): 2.17
• P/FCF Ratio: 10.67
• Enterprise Value/Market Cap: 1.58
• Enterprise Value/Revenue: 3.37
• Enterprise Value/Gross Profit: 4.72
• Enterprise Value/Ebitda: 12.04
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: $36.00 ▲(7.30% Upside)
• Action: Reiterated Date: 03/08/26
• Date: Action: Reiterated 03/08/26

The score is driven primarily by improved recent financial performance (strong 2024–2025 rebound) and supportive valuation (low P/E with a dividend). These positives are tempered by weaker current technical momentum and the key fundamental risk of earnings/cash-flow variability, while the recent dividend raise and improved profitability add support despite some credit-quality watch items.

Positive Factors

Rebound in revenue and profitability

A sustained step-up in revenue and a large margin recovery through 2024–2025 indicates the core banking franchise regained pricing power and efficiency. Stronger recurring net income improves cash generation, supports dividends and capital build, and increases resilience over the next several quarters.

Negative Factors

Earnings and cash-flow volatility

Material swings in earnings and operating cash flow reduce predictability of future profitability and free cash flow. For a community bank, volatility can constrain consistent capital returns, make planning for loan loss reserves harder, and weaken stakeholder confidence over time.

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 certif...

Read more

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 certif...

How the Company Makes Money

Hawthorn Bancshares generates revenue primarily through interest income from loans and fees associated with various banking services. The company's key revenue streams include interest earned on loans to consumers and businesses, which typically c...

Read more

Hawthorn Bancshares generates revenue primarily through interest income from loans and fees associated with various banking services. The company's key revenue streams include interest earned on loans to consumers and businesses, which typically c...

Hawthorn Bancshares Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	112.08M	109.67M	87.96M	83.22M	81.39M
Gross Profit	79.95M	71.88M	52.79M	73.63M	77.18M
EBITDA	31.34M	24.01M	2.54M	27.23M	30.50M
Net Income	23.80M	18.26M	956.00K	20.75M	22.52M
Balance Sheet
Total Assets	1.89B	1.83B	1.88B	1.92B	1.83B
Cash, Cash Equivalents and Short-Term Investments	16.63M	270.65M	282.19M	337.38M	468.85M
Total Debt	155.46M	132.69M	157.70M	154.21M	152.57M
Total Liabilities	1.72B	1.68B	1.74B	1.80B	1.68B
Stockholders Equity	174.23M	149.55M	136.09M	127.41M	148.96M
Cash Flow
Free Cash Flow	22.84M	22.59M	15.51M	17.71M	29.62M
Operating Cash Flow	26.92M	25.59M	17.61M	20.28M	30.21M
Investing Cash Flow	-6.86M	1.25M	54.19M	-206.53M	-127.53M
Financing Cash Flow	33.26M	-69.30M	-62.07M	110.07M	76.87M

Hawthorn Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 33.55
• 50DMA: Positive
• 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 33.55 is above the 20-day moving average (MA) of 33.21, below the 50-day MA of 33.75, and above the 200-day MA of 31.53, indicating a bullish trend. The MACD of 0.08 indicates Negative momentum. The RSI at 56.43 is Neutral, neither overbought nor oversold. The STOCH value of 38.82 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
HWBK	68 Neutral	$238.46M	10.24	14.66%	2.39%	0.16%	258.06%
CFFI	68 Neutral	$242.33M	8.76	10.84%	2.55%	8.53%	42.73%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BPRN	67 Neutral	$243.10M	12.73	6.98%	3.50%	12.92%	56.52%
LCNB	66 Neutral	$239.48M	10.22	8.68%	5.32%	5.07%	228.39%
CBNA	66 Neutral	$229.44M	10.63	4.99%	―	―	―
FCCO	53 Neutral	$287.71M	11.84	12.11%	2.07%	11.59%	42.03%

Hawthorn Bancshares Corporate Events