NasdaqGS:HWBK

Stock Analysis Report

Executive Summary

Hawthorn Bancshares, Inc. operates as the bank holding company for Hawthorn Bank that provides various banking services in Missouri.

Snowflake

Fundamentals

Flawless balance sheet with acceptable track record.

Risks

  • Hawthorn Bancshares is not covered by any analysts.

Similar Companies

Share Price & News

How has Hawthorn Bancshares's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.09%

NasdaqGS:HWBK

0.3%

US Banks

0.9%

US Market


1 Year Return

3.5%

NasdaqGS:HWBK

-13.6%

US Banks

0.3%

US Market

HWBK outperformed the Banks industry which returned -14.2% over the past year.

HWBK outperformed the Market in United States of America which returned -0.5% over the past year.


Share holder returns

HWBKIndustryMarket
7 Day-0.09%0.3%0.9%
30 Day-14.6%-5.1%-1.9%
90 Day-14.8%-3.5%1.6%
1 Year5.3%3.5%-11.2%-13.6%2.6%0.3%
3 Year89.3%80.9%43.6%33.7%41.0%31.8%
5 Year125.2%109.3%53.7%37.0%55.2%38.0%

Price Volatility Vs. Market

How volatile is Hawthorn Bancshares's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Hawthorn Bancshares undervalued based on future cash flows and its price relative to the stock market?

10.09x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Hawthorn Bancshares's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Hawthorn Bancshares's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Hawthorn Bancshares is good value based on earnings compared to the US Banks industry average.

Hawthorn Bancshares is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Hawthorn Bancshares, we can't assess if its growth is good value.


Price Based on Value of Assets

Hawthorn Bancshares is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Hawthorn Bancshares expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

2.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Hawthorn Bancshares is high growth as no revenue estimate data is available.

Hawthorn Bancshares's earnings are expected to grow by 2.1% yearly, however this is not considered high growth (20% yearly).

Unable to compare Hawthorn Bancshares's revenue growth to the United States of America market average as no estimate data is available.

Hawthorn Bancshares's earnings growth is positive but not above the United States of America market average.

Hawthorn Bancshares's earnings growth is positive but not above the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Hawthorn Bancshares will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Hawthorn Bancshares performed over the past 5 years?

4.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Hawthorn Bancshares's year on year earnings growth rate has been positive over the past 5 years.

Hawthorn Bancshares's 1-year earnings growth exceeds its 5-year average (216.6% vs 4%)

Hawthorn Bancshares's earnings growth has exceeded the US Banks industry average in the past year (216.6% vs 33.2%).


Return on Equity

Hawthorn Bancshares has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Hawthorn Bancshares used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Hawthorn Bancshares improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Hawthorn Bancshares's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Hawthorn Bancshares has an acceptable proportion of non-loan assets held.

Hawthorn Bancshares has a sufficient allowance for bad loans.

Hawthorn Bancshares's liabilities are made up of primarily low risk sources of funding.

Hawthorn Bancshares's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Hawthorn Bancshares are broadly funded by customer deposits.

Hawthorn Bancshares has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Hawthorn Bancshares's current dividend yield, its reliability and sustainability?

2.15%

Current Dividend Yield


Upcoming Dividend Payment

Purchase Hawthorn Bancshares before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield and Payments Analysis

Hawthorn Bancshares's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Hawthorn Bancshares's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have fallen over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (5.5x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Hawthorn Bancshares's salary, the management and board of directors tenure and is there insider trading?

7.6yrs

Average management tenure


CEO

David Turner (62yo)

8.6yrs

Tenure

US$645,789

Compensation

Mr. David T. Turner has been the Chairman and Chief Executive Officer of Hawthorn Bancshares, Inc. since January 1, 2011. Mr. Turner has been the President of Hawthorn Bancshares, Inc. since March 2002. He ...


CEO Compensation Analysis

David's remuneration is higher than average for companies of similar size in United States of America.

David's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

7.6yrs

Average Tenure

62yo

Average Age

The average tenure for the Hawthorn Bancshares management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

5.0yrs

Average Tenure

62.5yo

Average Age

The tenure for the Hawthorn Bancshares board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

BuyUS$23,31019 Dec 18
Gus Wetzel
EntityIndividual
Role
Member of the Board of Directors
Director
Shares1,040
Max PriceUS$22.41
BuyUS$11,65519 Dec 18
Kathleen Bruegenhemke
EntityIndividual
Role
Member of the Board of Directors
Senior VP
Shares520
Max PriceUS$22.41
BuyUS$11,65519 Dec 18
David Turner
EntityIndividual
Role
Chief Executive Officer
Chairman
Shares520
Max PriceUS$22.41
BuyUS$11,65519 Dec 18
Philip Freeman
EntityIndividual
Role
Member of the Board of Directors
Director
Shares520
Max PriceUS$22.41
BuyUS$11,65519 Dec 18
Kevin Riley
EntityIndividual
Role
Member of the Board of Directors
Director
Shares520
Max PriceUS$22.41

Ownership Breakdown


Management Team

  • David Turner (62yo)

    Chairman

    • Tenure: 8.6yrs
    • Compensation: US$645.79k
  • Kathleen Bruegenhemke (53yo)

    Senior VP

    • Tenure: 2.4yrs
    • Compensation: US$254.51k
  • W. Phelps (68yo)

    Chief Financial Officer

    • Tenure: 7.6yrs
    • Compensation: US$268.21k

Board Members

  • David Turner (62yo)

    Chairman

    • Tenure: 8.6yrs
    • Compensation: US$645.79k
  • Charles Dudenhoeffer (79yo)

    Advisory Director

    • Tenure: 4.8yrs
    • Compensation: US$32.40k
  • Kathleen Bruegenhemke (53yo)

    Senior VP

    • Tenure: 2.4yrs
    • Compensation: US$254.51k
  • Philip Freeman (65yo)

    Director

    • Tenure: 26.6yrs
    • Compensation: US$36.70k
  • James Loyd (87yo)

    Advisory Director

    • Tenure: 12.8yrs
  • Kevin Riley (63yo)

    Director

    • Tenure: 24.6yrs
    • Compensation: US$36.10k
  • Gus Wetzel (78yo)

    Advisory Director

    • Tenure: 3.2yrs
    • Compensation: US$32.30k
  • Frank Burkhead (47yo)

    Director

    • Tenure: 5.1yrs
    • Compensation: US$36.70k
  • Jon Holtaway (48yo)

    Director

    • Tenure: 0.4yrs
  • Jack Wetzel (40yo)

    Director

    • Tenure: 0.8yrs
    • Compensation: US$12.60k

Company Information

Hawthorn Bancshares, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Hawthorn Bancshares, Inc.
  • Ticker: HWBK
  • Exchange: NasdaqGS
  • Founded: 1865
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$140.337m
  • Shares outstanding: 6.28m
  • Website: https://www.hawthornbancshares.com

Number of Employees


Location

  • Hawthorn Bancshares, Inc.
  • 132 East High Street
  • Box 688
  • Jefferson City
  • Missouri
  • 65102
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
HWBKNasdaqGS (Nasdaq Global Select)YesCommon StockUSUSDJun 2000

Biography

Hawthorn Bancshares, Inc. operates as the bank holding company for Hawthorn Bank that provides various banking services in Missouri. The company offers checking and savings accounts, and certificates of de ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/19 23:34
End of Day Share Price2019/08/19 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.