HWBK logo

HAWTHORN BANCSHARES INC

HWBKNASDAQ
πŸ† #3509 by market capEarnings Oct 28US Equity
$590.20β–² $32.70 (+5.54%)
Simulated price
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🏦Market Cap
$263M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+2.2%
Slowing
πŸ“ŠGross Margin
73.1%
High
πŸ’΅FCF Margin
24.0%
Strong
βš–οΈP/S Ratio
2.3x
Cheap
Otter Score
68
Fair
No chart data available for HWBK.

Trading Snapshot

Day Range
$584.05 – $593.30
52-Week Range
$29.39 – $40.60
Volume
$3.18B
Avg Volume
$2.44B
Shares Outstanding
6.9M
Next Earnings
Nov 14, 2026

Fundamentals Snapshot

Annual Revenue
$112M
Last Q Revenue
$30M
P/E Ratio
10.0
P/S Ratio
2.3x
EPS (TTM)
$3.82
Dividend Yield
2.18%
Dilution (1yr)
+0.5%

Why Investors Own HWBK

  • βœ“High-growth profile β€” revenue up +12.3% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 36% gross margin and 6% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

HWBK logo

HAWTHORN BANCSHARES INC

HWBK
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$112Mβ–² +2.2% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
71.3%β–² +8.8% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$29Mβ–² +30.2% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$23Mβ–² +1.1% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
7.0Mβ–² +0.5% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$50Mβ–² +$31M YoY
StockOtter Β· stockotter.space

About HAWTHORN BANCSHARES INC

Hawthorn Bancshares, Inc. functions as the parent holding company for Hawthorn Bank, which delivers a full spectrum of financial services to both commercial clients and individual consumers. The institution offers various deposit accounts, such as checking, savings, money market, and individual retirement accounts, in addition to time deposits and certificates of deposit. Its lending portfolio encompasses commercial and industrial financing, personal installment and single payment loans, consumer credit, and both commercial and residential real estate loans. Furthermore, Hawthorn Bank provides specialized financing for equipment, operating capital, and Small Business Administration (SBA) loans. Customers also have access to debit and credit card services. Beyond conventional banking, the company furnishes trust services, including estate planning, investment management, and asset supervision. Other available resources include cash management solutions, secure safety deposit boxes, brokerage facilities, and convenient internet banking. The bank maintains a presence across Missouri with 23 branch locations, serving communities such as Jefferson City, Columbia, Clinton, Warsaw, Springfield, St. Louis, and the broader Kansas City metropolitan area. Hawthorn Bancshares, Inc. traces its origins back to 1865 and is headquartered in Jefferson City, Missouri.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
68/100

Analyst Price Target

β“˜
Average Target
$597.70
β–² +1.3% Upside
High Target$743.74
Low Target$519.43
Based on 19 analysts

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