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CBNA vs HWBK

CBNA
Chain Bridge Bancorp, Inc.
NEUTRAL
Price
$35.10
Market Cap
$230.3M
Sector
Financial Services
AI Confidence
80%
HWBK
Hawthorn Bancshares, Inc.
BULLISH
Price
$33.39
Market Cap
$230.5M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
CBNA
11.62
HWBK
9.73
Forward P/E
CBNA
10.53
HWBK
--
P/B Ratio
CBNA
1.36
HWBK
1.32
P/S Ratio
CBNA
4.15
HWBK
2.88
EV/EBITDA
CBNA
--
HWBK
--

Profitability

Gross Margin
CBNA
0.0%
HWBK
0.0%
Operating Margin
CBNA
47.09%
HWBK
29.72%
Profit Margin
CBNA
36.48%
HWBK
29.77%
ROE
CBNA
12.91%
HWBK
14.7%
ROA
CBNA
1.28%
HWBK
1.28%

Growth

Revenue Growth
CBNA
19.3%
HWBK
8.7%
Earnings Growth
CBNA
38.7%
HWBK
36.4%

Financial Health

Debt/Equity
CBNA
--
HWBK
--
Current Ratio
CBNA
--
HWBK
--
Quick Ratio
CBNA
--
HWBK
--

Dividends

Dividend Yield
CBNA
--
HWBK
2.43%
Payout Ratio
CBNA
0.0%
HWBK
23.03%

AI Verdict

CBNA NEUTRAL

CBNA presents a stark contrast between strong growth and weak operational health, evidenced by a weak Piotroski F-Score of 3/9. While the stock is fundamentally undervalued relative to its Graham Number ($41.86) and Intrinsic Value ($89.09), the technical trend is heavily bearish (10/100). Strong earnings growth (38.7% YoY) and a low P/E ratio of 11.62 provide a bullish value case, but the poor health score and negative insider sentiment suggest caution.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong earnings growth (38.7% YoY and 42.9% Q/Q)
Robust revenue growth of 19.3% YoY
Risks
Weak operational health indicated by a Piotroski F-Score of 3/9
Strongly bearish technical trend (10/100)
Lack of dividend yield for income investors
HWBK BULLISH

HWBK presents a strong value opportunity, anchored by a stable Piotroski F-Score of 4/9 and a current price ($33.39) trading significantly below its Graham Number ($44.14) and Intrinsic Value ($101.19). The company exhibits robust profitability with an ROE of 14.70% and impressive year-over-year earnings growth of 36.40%. While technical trends are currently bearish (0/100) and insider sentiment is weak, the fundamental valuation metrics (P/E of 9.73) suggest the stock is undervalued. The primary headwind is its heavy geographic concentration in Missouri and the Kansas City MSA.

Strengths
Significant undervaluation relative to Graham Number ($44.14)
Strong earnings growth (YoY +36.40%)
Healthy Return on Equity (ROE) of 14.70%
Risks
High geographic concentration in Central/West Central Missouri and KC MSA
Exposure to interest rate volatility impacting net interest margins
Bearish technical trend (0/100) indicating short-term selling pressure

Compare Another Pair

CBNA vs HWBK: Head-to-Head Comparison

This page compares Chain Bridge Bancorp, Inc. (CBNA) and Hawthorn Bancshares, Inc. (HWBK) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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