Hawthorn Bancshares, Inc. (HWBK) AI Stock Analysis

Hawthorn Bancshares, Inc. operates as a bank holding company for Hawthorn Bank, providing banking services to commercial enterprises and individual clients across Missouri. Established in 1865 and based in Jefferson City, Missouri, the company provides deposit products including checking, savings, money market accounts, individual retirement accounts, and certificates of deposit. Its lending activities include commercial and industrial loans, personal installment loans, and commercial and residential real estate loans. Hawthorn Bancshares also provides equipment financing, operating loans, Small Business Administration loans, and trust services spanning estate planning, investment management, and asset management.

Hawthorn Bancshares grew revenue from $81.4M in FY2021 to $112.1M in FY2025, recording a 5-year revenue CAGR of 7.5%. Annual revenue increased 2.2% in FY2022 to $83.2M, 5.7% in FY2023 to $88.0M, and 24.7% in FY2024 to $109.7M. Net income fluctuated from $22.5M in FY2021 down to $956,000 in FY2023, before rebounding to $18.3M in FY2024 and $23.8M in FY2025. Operating margin expanded from 0.5% in FY2023 to 26.0% in FY2025. For the trailing twelve months, revenue reached $83.9M with an operating margin of 39.4% and net profit margin of 30.2%. For the latest quarter ended June 30, 2026, quarterly revenue grew 14.9% year-over-year while quarterly earnings rose 20.5%.

As of June 30, 2026, Hawthorn Bancshares held $256.4M in cash and short-term investments against total debt of $83.5M, resulting in net cash of $172.8M. Total assets stood at $1.77B with shareholders' equity of $182.8M, representing a debt-to-equity ratio of 0.46 and a current ratio of 534.12. In FY2025, operating cash flow reached $26.9M and free cash flow was $22.8M. Capital allocation in FY2025 included $4.1M for capital expenditures, $2.9M for share buybacks, and $5.4M in dividends paid.

Hawthorn Bancshares trades at a trailing P/E of 10.4x, below the 12.1x median of its US-listed Financial Services peers, though its forward P/E of 17.8x stands above the peer median of 10.8x. The company has a price-to-sales ratio of 3.3x, in line with the peer median of 3.2x, alongside a price-to-book ratio of 1.6x and a market capitalization of $278.4M. Over the past year, the stock returned 31.8%, outperforming the S&P 500 (SPY) return of 16.8%. Over a 5-year period, its return of 101.8% also exceeded the S&P 500 return of 83.0%.

Hawthorn Bancshares pays an annual forward dividend of $0.84 per share, translating to a dividend yield of 2.20%. The dividend is distributed quarterly with a payout ratio of 22.6%. The company has paid consecutive dividends for 28 years and achieved a 5-year annualized dividend growth rate of 11.8%. The last ex-dividend date was September 15, 2026.

Hawthorn Bancshares is scheduled to report its next earnings on November 4, 2026. The company does not have published consensus analyst price targets or ratings. Recent financial momentum includes trailing twelve-month EPS of $3.67, with June 30, 2026 quarterly earnings growth of 20.5% and revenue growth of 14.9%. In terms of equity ownership, institutional investors hold 30.7%, company insiders hold 17.1%, and short interest represents 2.9% of the float.

This page is an AI-written research summary of Hawthorn Bancshares, Inc. (HWBK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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