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HWBK

STRONG BUYFLAG

Hawthorn Bancshares, Inc. · Financial Services · United States · $265M · Avg Vol: $650K/d

81
StockRank
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Q
61
V
48
M
66
P/E (TTM)
11.0x
ROE
14.7%
D/E
0.9x
Dividend %
2.1%
Dir. Trades · 180d
None →
Buybacks · 180d
$1.2M →
AI CONVICTION THESIS

Hawthorn Bancshares has quality Q61 and strong momentum M72 with a small buyback, but value at V48 is below the calibrated floor, so stage one fails.

COMPANY DESCRIPTION

Hawthorn Bancshares, Inc. operates as a community bank holding company, providing comprehensive commercial and retail banking services through its subsidiary, Hawthorn Bank, across multiple markets in Missouri. The company's strength lies in its deep local roots, relationship-based banking approach, and a diversified loan portfolio serving both businesses and individuals.

FINANCIAL SUMMARY (USD)

Year20212022202320242025CAGRTTM
Revenue—72.7M55.1M72.9M80.3M3.4%81.0M
EPS3.142.940.142.613.442.3%3.49
Shares—7.0M7.0M7.0M6.9M-2.0%6.9M
Debt—149.0M157.7M132.7M155.5M1.4%148.9M
Equity—127.4M136.1M149.5M174.2M11.0%—
Op CF—20.3M17.6M25.6M26.9M9.9%29.2M
Inv CF—-206.5M54.2M1.3M-6.9M——
Fin CF—110.1M-62.1M-69.3M33.3M——
Loading 1Y...
PRICE (1Y)+1.8%
36.1737.1838.2039.2140.23Jun 12Jul 7Jul 27
SMA 50SMA 200
Close
$38.39
RSI (14)
54.4
52W High
$40.36
From 52W High
1.0%

SCORE BREAKDOWN

Quality
61
ROIC (ROA)
1.3%*45.5
ROE
14.7%73.9
GP/Assets
4.3%N/A
Op. Margin
35.4%54.1
FCF/Assets
1.2%N/A
Piotroski
683.6
Int. Cover
—50.0
D/E Ratio
0.89xN/A
Current Ratio
bankN/A
Value
48
P/E (TTM)
11.0x64.8
EV/EBITDA
bankN/A
P/FCF
11.3xN/A
P/B
1.5x34.4
P/S
3.3x58.5
Div Yield
2.1%23.5
Momentum
66
52W High %
95%60.0
RS 6M
14%81.0
SMA 50/200
1.10x76.3
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
7%40.1

FUNDAMENTALS

Market Cap
$265M
P/E (Forward)
—
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of HWBK are excluded.

TickerCompanyMkt CapStockRankSignal
HWBKHawthorn Bancshares, Inc.(you)$265M81STRONG BUY
ATLOAmes National Corporation$266M81STRONG BUY
FUNCFirst United Corporation$288M79BUY
BPRNPrinceton Bancorp, Inc.$278M78BUY
CMTVCommunity Bancorp$227M82STRONG BUY
CFFIC&F Financial Corporation$254M77BUY
NWFLNorwood Financial Corp.$355M80STRONG BUY
OPBKOP Bancorp$233M85STRONG BUY
FVCBFVCBankcorp, Inc.$324M78BUY
FRAFFranklin Financial Services Corporation$280M87STRONG BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

Hawthorn Bancshares, Inc. (HWBK) — Stock Score Summary

Hawthorn Bancshares, Inc. (HWBK) has a MoatMap StockRank of 81/100 based on Quality (61/100), Value (48/100), and Momentum (66/100) factor scores. The current signal is STRONG BUY. Hawthorn Bancshares has quality Q61 and strong momentum M72 with a small buyback, but value at V48 is below the calibrated floor, so stage one fails.

Hawthorn Bancshares, Inc. operates as a community bank holding company, providing comprehensive commercial and retail banking services through its subsidiary, Hawthorn Bank, across multiple markets in Missouri. The company's strength lies in its deep local roots, relationship-based banking approach, and a diversified loan portfolio serving both businesses and individuals.

Key Financial Metrics

Price$38.39
Market Cap$265M
P/E (TTM)11.00
Price/Book1.51
Return on Equity14.7%
Debt/Equity0.89x
Operating Margin35.4%
Revenue Growth5.4%
Dividend Yield2.1%
Free Cash Flow$23M

Hawthorn Bancshares, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Hawthorn Bancshares, Inc.’s (HWBK) StockRank?
MoatMap’s StockRank for Hawthorn Bancshares, Inc. (HWBK) is 81/100, with a Strong Buy signal. It is a composite of Quality (61), Value (48), and Momentum (66) factor ranks across MoatMap’s 20,000+ stock universe.
Does Hawthorn Bancshares, Inc. have an economic moat?
Hawthorn Bancshares, Inc. (HWBK) has a Quality factor score of 61/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Hawthorn Bancshares, Inc. a buy, hold, or sell?
MoatMap’s current signal for Hawthorn Bancshares, Inc. (HWBK) is Strong Buy, based on a StockRank of 81/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Hawthorn Bancshares, Inc. in?
Hawthorn Bancshares, Inc. (HWBK) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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