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Hawthorn Bancshares, Inc. HWBK R2KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.hawthornbancshares.com
Company Profile ↓
$40.09
+34.70% 1Y
Mkt Cap$276.65M
P/E10.92
P/B1.58
Div. Yield2.09%
52W High$40.31
52W Low$28.89
Book Value$25.46
EPS (TTM)$3.67

Company Overview

Hawthorn Bancshares, Inc. operates as the bank holding company for Hawthorn Bank that provides various banking products and services to families and businesses. It offers checking and savings accounts, and certificates of deposit. The company also provides commercial and industrial, single payment personal, mortgage, installment, and commercial and residential real estate loans. In addition, it provides trust, wealth and treasury management, and brokerage services; and safety deposit boxes, debit cards, and internet banking services. Hawthorn Bancshares, Inc. was formerly known as Exchange National Bancshares, Inc. and changed its name to Hawthorn Bancshares, Inc. in 2007. The company was founded in 1865 and is headquartered in Jefferson City, Missouri.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 11.0% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 10.9, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 29.2%.

Dividend Income

Offers a dividend yield of 2.09%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $80.31M (+10.1% YoY); net profit $23.80M.
  • Trailing 12 Months Year-on-year growth — revenue +35.5%, earnings +20.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR 3.4%, profit CAGR 11.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:3.36%
1 Year:35.50%

Compounded Profit Growth

5 Years:11.03%
1 Year:20.50%

Stock Price Performance

1 Year:+34.70%
6 Months:+23.52%
3 Months:+10.72%
1 Month:-0.32%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 98% of range
$28.89 $40.31
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)61.51 · Neutral
Price Performance
1M-0.32%
3M+10.72%
6M+23.52%
1Y+34.70%
Valuation vs Sector

P/E of 10.92 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 29.2%.
  • Profit CAGR of 11.0% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
10.92
Industry PE
14.52
Forward P/E est.
9.06
PEG Ratio
-
Book Value
$25.46
Price to Book
1.58
P/S
3.20
EV/EBITDA
-
Dividend Yield
2.09%

Growth (CAGR)

Revenue 5Y
3.36%
Profit 5Y
11.03%
Revenue (YoY)
35.50%
Earnings (YoY)
20.50%

Profitability & Returns

ROCE
-
ROE
13.66%
ROA
1.26%
Profit Margin
29.21%
Op Margin
39.45%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.06
EPS (TTM)
$3.67

Balance Sheet & Liquidity

Debt/Equity
0.89
Quick Ratio
-
Current Ratio
-
Debt
$148.89M
Total Assets
$1.77B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
18.08%
Chg in Prom Hold
-0.01%
FII / Inst Holding
32.55%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$276.65M
Total Revenue (TTM)
$86.92M
EBITDA
-
Free Cash Flow
$22.84M
Operating Cash Flow
$26.92M
Shares Outstanding
6.90M
Gross Margin
0.00%
Payout Ratio
22.34%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 HWBK Hawthorn Bancshares, Inc. R2KFINANCIAL 40.09 10.92 $276.65M 2.09% - 13.66% 3.36% 11.03%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue ----------------------------------18.75M19.69M20.69M21.18M20.21M-
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense ----------------------------------8.16M7.77M8.14M7.71M7.29M-
Pretax Income ----------------------------------6.60M7.47M7.49M7.54M7.13M-
Tax Provision ----------------------------------1.21M1.37M1.36M1.36M1.39M-
Net Income 2.54M1.99M2.00M1.41M1.88M1.99M2.10M1.92M1.77M-2.37M2.09M2.91M3.10M2.62M4.67M3.52M3.86M4.07M868.00K3.28M4.96M5.18M5.84M4.89M5.80M6.61M4.49M4.93M3.27M2.55M2.58M4.46M4.63M4.57M5.38M6.10M6.13M6.18M5.74M7.33M
Diluted EPS 0.450.350.340.240.320.340.350.320.29-0.390.340.460.490.420.720.540.590.620.130.490.740.800.880.710.840.970.640.700.470.360.360.630.660.660.770.880.880.900.831.06

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -------------72.73M55.13M72.91M80.31M
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -----------------
EBITDA -----------------
Interest Expense -------------10.49M32.83M36.76M31.78M
Pretax Income -------------25.09M432.00K22.36M29.10M
Tax Provision -------------4.34M-524.00K4.10M5.30M
Net Income 4.96M-3.55M2.86M2.82M4.97M7.65M8.60M7.28M3.41M10.71M16.11M14.29M-20.75M956.00K18.26M23.80M
Diluted EPS 0.64-1.150.170.200.801.351.461.190.541.642.382.04-2.940.142.613.43

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --1.20B1.17B1.18B1.14B1.17B1.20B1.29B1.43B1.48B1.49B1.73B-1.92B1.88B1.83B1.89B
Current Assets ------------------
Cash & Equivalents 53.83M24.67M50.98M43.21M58.88M28.44M42.81M28.38M26.00M62.88M42.08M78.12M180.36M-86.63M93.45M51.99M105.31M
Inventory ------------------
Receivables -------------6.62M7.95M8.66M--
Total Liabilities --1.10B1.07B1.09B1.07B1.09B1.11B1.20B1.34B1.38B1.38B1.60B-1.80B1.74B1.68B1.72B
Current Liabilities ------------------
Long Term Debt --------------147.49M156.49M131.01M151.57M
Total Debt --------------149.02M157.70M132.69M155.46M
Total Equity 106.42M107.77M101.49M103.04M92.22M74.38M80.57M87.29M91.02M91.37M99.41M115.04M130.59M-127.41M136.09M149.55M174.23M
Shares Outstanding --------------7.58M7.55M7.55M7.55M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 9.75M21.46M20.83M14.88M---13.53M12.48M16.30M19.38M21.02M30.21M20.28M17.61M25.59M26.92M
Investing Cash Flow 6.33M36.32M6.38M-6.37M----94.23M-112.92M-78.57M16.27M-139.56M-127.53M-206.53M54.19M1.25M-6.86M
Financing Cash Flow -45.24M-31.47M-34.98M7.17M---79.32M137.33M41.48M389.00K220.79M76.87M110.07M-62.07M-69.30M33.26M
Capital Expenditure -2.37M-549.00K-3.39M-1.38M-2.68M-1.34M-872.00K-1.26M-1.27M-2.33M-2.17M-1.83M-591.00K-2.57M-2.10M-3.00M-4.08M
Free Cash Flow 7.38M20.91M17.44M13.50M---12.27M11.21M13.98M17.21M19.19M29.62M17.71M15.51M22.59M22.84M
Share Buybacks ----0033.00K623.00K878.00K179.00K0906.00K2.15M2.89M01.12M2.86M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -------------28.5%1.7%25.0%29.6%
ROE % 4.6%-3.5%2.8%3.1%6.7%9.5%9.9%8.0%3.7%10.8%14.0%10.9%-16.3%0.7%12.2%13.7%
ROCE % -----------------

Shareholding Pattern

Insiders
18.08%
Institutions
32.55%
Public Float
39.73%

Top Institutional Holders

#Holder% HeldSharesValue
1 Ategra Capital Management, LLC 4.96% 342.39K $13.40M
2 Blackrock Inc. 4.86% 335.28K $13.12M
3 Vanguard Capital Management LLC 3.63% 250.72K $9.81M
4 FJ Capital Management LLC 2.76% 190.71K $7.46M
5 Dimensional Fund Advisors LP 2.34% 161.62K $6.33M
6 Geode Capital Management, LLC 2.16% 148.97K $5.83M
7 State Street Corporation 1.23% 84.78K $3.32M
8 Bridgeway Capital Management, LLC 0.94% 64.81K $2.54M
9 Northern Trust Corporation 0.70% 48.07K $1.88M
10 Pinnacle Holdings, LLC 0.67% 46.07K $1.80M

Analyst View

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Latest News

Recent headlines for HWBK

Google News Fri, 04 Sep 2026

A Missouri bank merger creates a company with $2.2B in assets. Customers keep current banking channels for now. - Stock Titan

<a href="https://news.google.com/rss/articles/CBMitgFBVV95cUxPOUU1Q05WTllPeEhkQ0YwWE5aTnNwaHphYVE1cE5paGo0RDhBT0w0dkk3Y1prclc2a2ZYMENYYXVMeHh6V3o0MlZKbW9QUldnYmZSakxkRElFdmV5MnpURFNxWFBmTUNPRHZRTmJwVlhFdVZGUUFldjgyTFpRSDhXTjNtWkNOS25uSG84MV…

Google News Sat, 05 Sep 2026

Empowered Funds LLC Buys Shares of 32,677 Hawthorn Bancshares, Inc. $HWBK - marketbeat.com

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Google News Fri, 04 Sep 2026

Hawthorn Bancshares Completes Merger of FSC Bancshares and Farmers State Bank - quiverquant.com

<a href="https://news.google.com/rss/articles/CBMiswFBVV95cUxPNkg2anBLNEE1YVlBM2tTSjFTWXp1Skp5YmxUVUJvb1hacEFmRzFOVllkQWVfSlhJb0xYTkc2WDFDdExjTXBnVkZmUl83ekVCSmZjZllfWkdGX2UzWEJpb3RyV0hPdWR6NGJpdVRsMHNkRmV5YU40N0VMZ25xU2p2ekM0b0J1WVllckVlLU…

Google News Fri, 04 Sep 2026

Hawthorn Bancshares Inc (NASDAQ: HWBK) Share Price, HWBK Stock News, HWBK Share Price & Updates - kalkine.ca

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Google News hu, 27 Aug 2026

HWBK vs. ATLO: Which Community Bank Stock Is the Better Buy Right Now? - Zacks Investment Research

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Google News ue, 01 Sep 2026

Exploring September 2026's Undervalued Small Caps With Insider Activity - simplywall.st

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HWBK — Frequently Asked Questions

What is the current share price of Hawthorn Bancshares, Inc. (HWBK)?

As of 2026-09-07 16:24 PDT, Hawthorn Bancshares, Inc. (HWBK) trades at $40.09 on NasdaqGS. Its 52-week range is $28.89 to $40.31.

What is the market capitalisation of HWBK?

Hawthorn Bancshares, Inc. (HWBK) has a market capitalisation of $276.65M on NasdaqGS.

What is the P/E ratio of HWBK?

HWBK trades at a trailing price-to-earnings (P/E) ratio of 10.92. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.58.

Does HWBK pay a dividend?

Hawthorn Bancshares, Inc. (HWBK) currently offers a dividend yield of 2.09%.

What is the return on equity (ROE) of HWBK?

HWBK has a return on equity (ROE) of 13.66%.

Is HWBK a good stock to buy?

This page provides a data-driven analysis of Hawthorn Bancshares, Inc. (HWBK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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