HWBK logo

HAWTHORN BANCSHARES INC

HWBKNASDAQ
πŸ† #2833 by market capEarnings Oct 28US Equity
$39.79β–Ό $0.05 (βˆ’0.13%)
Market closed Β· at close
1hβ€”
24hβ–Ό 0.1%
7dβ–Ό 0.7%
14dβ–² 4.1%
30dβ–² 2.4%
1yβ–² 30.9%
🏦Market Cap
$275M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+2.2%
Slowing
πŸ“ŠGross Margin
73.1%
High
πŸ’΅FCF Margin
24.0%
Strong
βš–οΈP/S Ratio
2.4x
Cheap
Otter Score
62
Fair

Trading Snapshot

Day Range
$39.38 – $40.00
52-Week Range
$29.39 – $40.58
Volume
$3.18B
Avg Volume
$2.44B
Shares Outstanding
6.9M
Next Earnings
Sep 27, 2026

Fundamentals Snapshot

Annual Revenue
$112M
Last Q Revenue
$30M
P/E Ratio
10.4
P/S Ratio
2.4x
EPS (TTM)
$3.82
Dividend Yield
2.06%

Why Investors Own HWBK

  • βœ“High-growth profile β€” revenue up +12.3% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 36% gross margin and 6% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$112Mβ–² +12.2% YoY
Gross Margin (TTM)
36.4%β–² +0.3% YoY
Operating Income (TTM)
$18Mβ–² +12.2% YoY
Free Cash Flow (TTM)
$7Mβ–² +12.2% YoY

About HAWTHORN BANCSHARES INC

Hawthorn Bancshares, Inc. functions as the parent holding company for Hawthorn Bank, which delivers a full spectrum of financial services to both commercial clients and individual consumers. The institution offers various deposit accounts, such as checking, savings, money market, and individual retirement accounts, in addition to time deposits and certificates of deposit. Its lending portfolio encompasses commercial and industrial financing, personal installment and single payment loans, consumer credit, and both commercial and residential real estate loans. Furthermore, Hawthorn Bank provides specialized financing for equipment, operating capital, and Small Business Administration (SBA) loans. Customers also have access to debit and credit card services. Beyond conventional banking, the company furnishes trust services, including estate planning, investment management, and asset supervision. Other available resources include cash management solutions, secure safety deposit boxes, brokerage facilities, and convenient internet banking. The bank maintains a presence across Missouri with 23 branch locations, serving communities such as Jefferson City, Columbia, Clinton, Warsaw, Springfield, St. Louis, and the broader Kansas City metropolitan area. Hawthorn Bancshares, Inc. traces its origins back to 1865 and is headquartered in Jefferson City, Missouri.

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Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
62/100

Analyst Price Target

β“˜
Average Target
$40.30
β–² +1.3% Upside
High Target$50.14
Low Target$35.02
Based on 19 analysts

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