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HWBK vs JPM

HWBK
Hawthorn Bancshares, Inc.
NEUTRAL
Price
$34.92
Market Cap
$241.0M
Sector
Financial Services
AI Confidence
80%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$294.16
Market Cap
$793.36B
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
HWBK
10.18
JPM
14.69
Forward P/E
HWBK
--
JPM
12.62
P/B Ratio
HWBK
1.38
JPM
2.32
P/S Ratio
HWBK
3.01
JPM
4.72
EV/EBITDA
HWBK
--
JPM
--

Profitability

Gross Margin
HWBK
0.0%
JPM
0.0%
Operating Margin
HWBK
29.72%
JPM
41.06%
Profit Margin
HWBK
29.77%
JPM
33.91%
ROE
HWBK
14.7%
JPM
16.13%
ROA
HWBK
1.28%
JPM
1.35%

Growth

Revenue Growth
HWBK
8.7%
JPM
2.5%
Earnings Growth
HWBK
36.4%
JPM
-3.6%

Financial Health

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

Dividends

Dividend Yield
HWBK
2.32%
JPM
2.11%
Payout Ratio
HWBK
23.03%
JPM
28.97%

AI Verdict

HWBK NEUTRAL

HWBK presents a significant valuation disconnect, trading well below its Graham Number ($44.14) and Intrinsic Value ($101.19). While the Piotroski F-Score of 4/9 indicates stable financial health and the ROE of 14.7% is robust for a regional bank, the outlook is tempered by a severely bearish technical trend (10/100) and weak insider sentiment (40/100). The company shows strong YoY earnings growth of 36.4%, but the lack of recent analyst coverage and contradictory technical signals suggest a value trap risk despite the fundamental discounts.

Strengths
Significant undervaluation relative to Graham Number ($44.14) and Intrinsic Value ($101.19)
Strong profitability with an ROE of 14.7% and ROA of 1.28%
Attractive P/E ratio of 10.18, well below sector averages
Risks
Severely bearish technical trend (10/100) suggesting strong selling pressure
Low insider sentiment (40/100) indicating lack of confidence from management
Small market capitalization ($0.24B) leading to higher volatility and liquidity risk
JPM NEUTRAL

JPM shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Key strengths include strong valuation and growth metrics. Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 14.7
Strong profitability (33.9% margin)
Strong ROE of 16.1%
Risks
Weak financial trend (Piotroski F-Score: 2/9)
Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Compare Another Pair

HWBK vs JPM: Head-to-Head Comparison

This page compares Hawthorn Bancshares, Inc. (HWBK) and JPMorgan Chase & Co. (JPM) 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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