HWBK

NEUTRAL

$34.92 Live

Hawthorn Bancshares, Inc. · NASDAQ

$27.07 52W Range $36.49

HWBK Hawthorn Bancshares, Inc. - Fundamental Analysis

NEUTRAL

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HWBK Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$34.92

52W High

$36.49

52W Low

$27.07

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 11, 2026

Market cap

$241.01M

P/E

10.18

ROE

14.7%

Profit margin

29.8%

Debt/Equity

N/A

Dividend yield

2.32%

AI Analysis

AI-powered fundamental assessment

Confidence

80%

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.

Key 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

Sustainable dividend profile with a low payout ratio of 23.03%

Strong YoY earnings growth of 36.4%

Key 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

Erratic quarterly earnings track record with significant historical surprises

Regional bank sector exposure to interest rate volatility

AI Fair Value Estimate

Based on comprehensive analysis

$58.5

+67.5% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Undervalued but Momentum-Impaired

Key drivers: Deep value discount, Strong ROE, Bearish technicals, Weak insider sentiment

Confidence

85%

Value

90/100

Ref P/E, PEG, Graham Number

Positives

Price $34.92 is below Graham Number $44.14
Low P/E of 10.18
P/B of 1.38 is reasonable for the sector

Watchpoints

Market cap is very small

Future

65/100

Ref Growth rates

Positives

36.4% YoY Earnings Growth
12.22% Q/Q Revenue Growth

Watchpoints

Lack of forward P/E or analyst targets

Past

60/100

Ref Historical trends

Positives

1Y Change of +31.5%
Consistent long-term growth (5Y +108.3%)

Watchpoints

Highly volatile historical EPS surprises

Health

50/100

Ref Altman Z-Score, Piotroski F-Score

Positives

Piotroski F-Score of 4/9 (Stable)

Watchpoints

F-Score is not in the 'Strong' range (7-9)
Altman Z-Score unavailable (standard for banks)

Dividend

60/100

Ref Yield, Payout

Positives

Very low payout ratio (23.03%)
Consistent dividend rate

Watchpoints

Modest yield of 2.32%

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$34.92

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for HWBK and closest competitors.

Updated 2026-04-10

Company	5Y	3Y	1Y	6M	1M	1W
HWBK Hawthorn Bancshares, Inc. Primary	+108.3%	+69.7%	+31.5%	+19.5%	+7.5%	+3.3%
BNY BlackRock New York Municipal Income Trust Peer	-10.7%	+6.7%	+4.5%	+11.3%	+1.2%	-0.6%
BPRN Princeton Bancorp, Inc. Peer	+94.1%	+27.8%	+16.7%	+19.4%	+5.0%	+1.6%
AIFU AIFU Inc. Peer	-99.3%	-98.8%	-75.2%	-67.8%	+11.1%	+4.6%
FUNC First United Corporation Peer	+176.0%	+161.7%	+34.4%	+9.5%	+8.9%	+5.7%

HWB

Hawthorn Bancshares, Inc.

Primary

+108.3%

+69.7%

+31.5%

+19.5%

+7.5%

+3.3%

BNY

BlackRock New York Municipal Income Trust

Peer

-10.7%

+6.7%

+4.5%

+11.3%

+1.2%

-0.6%

BPR

Princeton Bancorp, Inc.

Peer

+94.1%

+27.8%

+16.7%

+19.4%

+5.0%

+1.6%

AIF

AIFU Inc.

Peer

-99.3%

-98.8%

-75.2%

-67.8%

+11.1%

+4.6%

FUN

First United Corporation

Peer

+176.0%

+161.7%

+34.4%

+9.5%

+8.9%

+5.7%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

10.18

N/A

1.38

3.01

3.64

N/A

$241.01M

Profitability

Profit margins and return metrics

Profit Margin 29.77%

Operating Margin 29.72%

Gross Margin N/A

ROE 14.7%

ROA 1.28%

Growth

Revenue and earnings growth rates

Revenue Growth +8.7%

Earnings Growth +36.4%

Q/Q Revenue Growth +12.22%

Q/Q Earnings Growth +34.5%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$15.29

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.0B

Net Margin

29.2%

Total Assets

$1.9B

Liabilities

$1.7B

Equity

$0.2B

Debt/Equity

9.88x

Operating CF

$0.0B

CapEx

$-0.0B

Free Cash Flow

$0.0B

FCF Yield

86%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-22

$N/A

2012-03-30

$-0.21

-237.5% surprise

2011-11-10

$0.14

+15.8% surprise

2011-08-15

$0.12

+433.8% surprise

Financial Services Sector Comparison

Comparing HWBK against 341 companies in the Financial Services sector (60 bullish, 147 neutral, 134 bearish)

P/E Ratio

10.18

This Stock

54.09

Sector Avg

-81.2% (Discount)

Return on Equity (ROE)

14.7%

This Stock

-0.66%

Sector Avg

-2322.9% (Below Avg)

Profit Margin

29.77%

This Stock

63.27%

Sector Avg

-52.9% (Weaker)

Revenue Growth

8.7%

This Stock

44.9%

Sector Avg

-80.6% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
HWBK Hawthorn Bancshares, Inc.	NEUTRAL	$241.01M	10.18	14.7%	29.8%	$34.92
BNY BlackRock New York...	BEARISH	$244.55M	-	-8.6%	-115.2%	$10.14	Compare
BPRN Princeton Bancorp, Inc.	NEUTRAL	$250.77M	14.21	6.7%	23.2%	$37.08	Compare
AIFU AIFU Inc.	BEARISH	$230.48M	0.17	-7.4%	-1.4%	$1.99	Compare
FUNC First United Corporation	NEUTRAL	$254.27M	10.37	12.8%	28.5%	$39.11	Compare

HWBK Hawthorn Bancshares, Inc.

NEUTRAL

Mkt Cap

$241M

P/E

10.2

ROE

14.7%

Price

$34.92

Compare with HWBK

BPRN Princeton Bancorp, Inc.

Compare with HWBK

Compare with HWBK

Compare with HWBK

Past News Coverage

Recent headlines mentioning HWBK from our newsroom.

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HWBK

HWBK Hawthorn Bancshares, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Past News Coverage

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