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Company Analysis

Hawthorn Bancshares, Inc. HWBK

A comprehensive view of key metrics, scores, and financial health for Hawthorn Bancshares, Inc.

Overview of Hawthorn Bancshares, Inc.

HWBK NMS
Financial Services Banks - Regional Micro Cap
Hawthorn Bancshares, Inc. (HWBK), is a Micro Cap company, in the Banks - Regional industry, last closed at $33.17, about 25.1% overvalued vs fair value, +15.9% 1Y return, ranked 657/1004 in sector.
$33.17
1.34%
As of March 13, 2026
Previous close • Vol 90d: 37.2%
52-Week Range
Market Cap
$225.48M
Enterprise Value
$353.96M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.hawthornbancshares...
HQ Jefferson City, MO
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$14
$25
$47
Current: $33.17 -25% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$94.8M
3.6%%
Interest Expense
$31.8M
Net Interest Income
$58.0M
-1.1%%
Total Revenue
$112.1M
53.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
12.2%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$6.2M
33.8% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Hawthorn Bancshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
52
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
48
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing HWBK's balance between Growth (19.0%), Profitability (39.9%), and Safety (41.1%). Growth 19% Safety 41% Profitability 40%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

32th percentile vs peers
33
Key Signals
Rev Growth YoY 53.7% 46p Revenue CAGR 3Y 15.5% 37p Asset Growth YoY -2.7% 10p
Strengths
  • Roe in top 20% of peers (12.8%, 83th percentile)
  • Roe in top 20% of peers (12.8%, 83th percentile)
  • Superior capital returns - 2 return metrics above peer median
Risks
  • Asset Growth Yoy in bottom 20% of peers (-2.7%)
  • Growth below peer median (percentile: 32)

Profitability

68th percentile vs peers
69
Key Signals
Strengths
Risks
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Safety

70th percentile vs peers
71
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Hawthorn Bancshares, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$24.85
- - -
-25.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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