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HAWTHORN BANCSHARES INC (HWBK) Stock Fundamental Analysis

NASDAQ:HWBK - Nasdaq - US4204761039 - Common Stock - Currency: USD

31.12  +0.38 (+1.24%)

Fundamental Rating

3

HWBK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 404 industry peers in the Banks industry. HWBK may be in some trouble as it scores bad on both profitability and health. HWBK is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year HWBK was profitable.
In the past year HWBK had a positive cash flow from operations.
Each year in the past 5 years HWBK has been profitable.
Of the past 5 years HWBK 4 years had a positive operating cash flow.
HWBK Yearly Net Income VS EBIT VS OCF VS FCFHWBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

With a Return On Assets value of 0.34%, HWBK is not doing good in the industry: 81.77% of the companies in the same industry are doing better.
HWBK's Return On Equity of 4.24% is on the low side compared to the rest of the industry. HWBK is outperformed by 79.49% of its industry peers.
Industry RankSector Rank
ROA 0.34%
ROE 4.24%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
HWBK Yearly ROA, ROE, ROICHWBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 10.28%, HWBK is doing worse than 83.04% of the companies in the same industry.
In the last couple of years the Profit Margin of HWBK has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for HWBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 10.28%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.84%
PM growth 5Y-1.42%
GM growth 3YN/A
GM growth 5YN/A
HWBK Yearly Profit, Operating, Gross MarginsHWBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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3

2. Health

2.1 Basic Checks

HWBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
There is no outstanding debt for HWBK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
HWBK Yearly Shares OutstandingHWBK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M
HWBK Yearly Total Debt VS Total AssetsHWBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B

2.2 Solvency

The Debt to FCF ratio of HWBK is 1.90, which is an excellent value as it means it would take HWBK, only 1.90 years of fcf income to pay off all of its debts.
HWBK's Debt to FCF ratio of 1.90 is fine compared to the rest of the industry. HWBK outperforms 61.77% of its industry peers.
A Debt/Equity ratio of 0.34 indicates that HWBK is not too dependend on debt financing.
HWBK has a worse Debt to Equity ratio (0.34) than 68.61% of its industry peers.
Although HWBK does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 1.9
Altman-Z N/A
ROIC/WACCN/A
WACC12.56%
HWBK Yearly LT Debt VS Equity VS FCFHWBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HWBK Yearly Current Assets VS Current LiabilitesHWBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M 50M

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 1868.40% over the past year.
Measured over the past 5 years, HWBK shows a small growth in Earnings Per Share. The EPS has been growing by 3.48% on average per year.
HWBK shows a strong growth in Revenue. In the last year, the Revenue has grown by 32.24%.
The Revenue has been growing slightly by 4.01% on average over the past years.
EPS 1Y (TTM)1868.4%
EPS 3Y-6.08%
EPS 5Y3.48%
EPS Q2Q%162.42%
Revenue 1Y (TTM)32.24%
Revenue growth 3Y-0.97%
Revenue growth 5Y4.01%
Sales Q2Q%193.39%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
HWBK Yearly Revenue VS EstimatesHWBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
HWBK Yearly EPS VS EstimatesHWBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.92, the valuation of HWBK can be described as very reasonable.
64.56% of the companies in the same industry are more expensive than HWBK, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 29.98, HWBK is valued rather cheaply.
Industry RankSector Rank
PE 11.92
Fwd PE N/A
HWBK Price Earnings VS Forward Price EarningsHWBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

HWBK's Price/Free Cash Flow ratio is rather cheap when compared to the industry. HWBK is cheaper than 82.53% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.32
EV/EBITDA N/A
HWBK Per share dataHWBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)3.43
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

HWBK has a Yearly Dividend Yield of 2.40%.
HWBK's Dividend Yield is slightly below the industry average, which is at 3.25.
Compared to an average S&P500 Dividend Yield of 2.30, HWBK has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.4%

5.2 History

On average, the dividend of HWBK grows each year by 19.43%, which is quite nice.
HWBK has paid a dividend for at least 10 years, which is a reliable track record.
HWBK has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)19.43%
Div Incr Years12
Div Non Decr Years12
HWBK Yearly Dividends per shareHWBK Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

HWBK pays out 79.13% of its income as dividend. This is not a sustainable payout ratio.
The dividend of HWBK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP79.13%
EPS Next 2YN/A
EPS Next 3YN/A
HWBK Yearly Income VS Free CF VS DividendHWBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
HWBK Dividend Payout.HWBK Dividend Payout, showing the Payout Ratio.HWBK Dividend Payout.PayoutRetained Earnings

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HAWTHORN BANCSHARES INC

NASDAQ:HWBK (3/3/2025, 4:05:04 PM)

31.12

+0.38 (+1.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29 2025-01-29
Earnings (Next)04-22 2025-04-22
Inst Owners27.26%
Inst Owner Change-0.16%
Ins Owners16.01%
Ins Owner Change-1%
Market Cap217.53M
Analysts0
Price TargetN/A
Short Float %0.13%
Short Ratio0.68
Dividend
Industry RankSector Rank
Dividend Yield 2.4%
Yearly Dividend0.66
Dividend Growth(5Y)19.43%
DP79.13%
Div Incr Years12
Div Non Decr Years12
Ex-Date03-14 2025-03-14 (0.19)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 11.92
Fwd PE N/A
P/S 3.6
P/FCF 8.32
P/OCF 7.51
P/B 1.49
P/tB 1.49
EV/EBITDA N/A
EPS(TTM)2.61
EY8.39%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.74
FCFY12.02%
OCF(TTM)4.14
OCFY13.31%
SpS8.65
BVpS20.95
TBVpS20.95
PEG (NY)N/A
PEG (5Y)3.43
Profitability
Industry RankSector Rank
ROA 0.34%
ROE 4.24%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 10.28%
GM N/A
FCFM 43.26%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.84%
PM growth 5Y-1.42%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 1.9
Debt/EBITDA N/A
Cap/Depr 146.1%
Cap/Sales 4.61%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 420.8%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC12.56%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1868.4%
EPS 3Y-6.08%
EPS 5Y3.48%
EPS Q2Q%162.42%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)32.24%
Revenue growth 3Y-0.97%
Revenue growth 5Y4.01%
Sales Q2Q%193.39%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y54.59%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y56.97%
OCF growth 3YN/A
OCF growth 5YN/A