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HWBK vs V

HWBK
Hawthorn Bancshares, Inc.
NEUTRAL
Price
$34.92
Market Cap
$241.0M
Sector
Financial Services
AI Confidence
80%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
HWBK
10.18
V
28.35
Forward P/E
HWBK
--
V
20.79
P/B Ratio
HWBK
1.38
V
15.09
P/S Ratio
HWBK
3.01
V
14.08
EV/EBITDA
HWBK
--
V
20.06

Profitability

Gross Margin
HWBK
0.0%
V
97.78%
Operating Margin
HWBK
29.72%
V
68.3%
Profit Margin
HWBK
29.77%
V
50.23%
ROE
HWBK
14.7%
V
53.95%
ROA
HWBK
1.28%
V
18.36%

Growth

Revenue Growth
HWBK
8.7%
V
14.6%
Earnings Growth
HWBK
36.4%
V
17.4%

Financial Health

Debt/Equity
HWBK
--
V
0.55
Current Ratio
HWBK
--
V
1.11
Quick Ratio
HWBK
--
V
0.72

Dividends

Dividend Yield
HWBK
2.32%
V
0.89%
Payout Ratio
HWBK
23.03%
V
22.91%

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
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

HWBK vs V: Head-to-Head Comparison

This page compares Hawthorn Bancshares, Inc. (HWBK) and Visa Inc. (V) 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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