Hawthorn Bancshares, Inc. operates as the bank holding company for Hawthorn Bank that provides various banking services in Missouri. More Details
Flawless balance sheet second-rate dividend payer.
Share Price & News
How has Hawthorn Bancshares's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: HWBK has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: HWBK exceeded the US Banks industry which returned -26.7% over the past year.
Return vs Market: HWBK underperformed the US Market which returned 17.8% over the past year.
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
3 weeks ago | Simply Wall StHow Is Hawthorn Bancshares' (NASDAQ:HWBK) CEO Compensated?
1 month ago | Simply Wall StHawthorn Bancshares, Inc. (NASDAQ:HWBK) Looks Like A Good Stock, And It's Going Ex-Dividend Soon
1 month ago | Simply Wall StHow Much Of Hawthorn Bancshares, Inc. (NASDAQ:HWBK) Do Institutions Own?
Is Hawthorn Bancshares undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: HWBK ($19.59) is trading above our estimate of fair value ($17.96)
Significantly Below Fair Value: HWBK is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: HWBK is poor value based on its PE Ratio (10.6x) compared to the US Banks industry average (10.3x).
PE vs Market: HWBK is good value based on its PE Ratio (10.6x) compared to the US market (19.1x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate HWBK's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: HWBK is overvalued based on its PB Ratio (1.1x) compared to the US Banks industry average (0.8x).
How is Hawthorn Bancshares forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Hawthorn Bancshares has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has Hawthorn Bancshares performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: HWBK has high quality earnings.
Growing Profit Margin: HWBK's current net profit margins (22.6%) are lower than last year (24.6%).
Past Earnings Growth Analysis
Earnings Trend: HWBK's earnings have grown by 14.1% per year over the past 5 years.
Accelerating Growth: HWBK's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: HWBK had negative earnings growth (-13.2%) over the past year, making it difficult to compare to the Banks industry average (-4%).
Return on Equity
High ROE: HWBK's Return on Equity (10.1%) is considered low.
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
Financial Institutions Analysis
Asset Level: HWBK's Assets to Equity ratio (14x) is moderate.
Allowance for Bad Loans: HWBK has a sufficient allowance for bad loans (187%).
Low Risk Liabilities: 85% of HWBK's liabilities are made up of primarily low risk sources of funding.
Loan Level: HWBK has an appropriate level of Loans to Assets ratio (75%).
Low Risk Deposits: HWBK's Loans to Deposits ratio (95%) is appropriate.
Level of Bad Loans: HWBK has an appropriate level of bad loans (0.7%).
What is Hawthorn Bancshares's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: HWBK's dividend (2.45%) is higher than the bottom 25% of dividend payers in the US market (1.63%).
High Dividend: HWBK's dividend (2.45%) is low compared to the top 25% of dividend payers in the US market (4.56%).
Stability and Growth of Payments
Stable Dividend: HWBK's dividend payments have been volatile in the past 10 years.
Growing Dividend: HWBK's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (24.9%), HWBK's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
David Turner (63 yo)
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
Compensation vs Market: David's total compensation ($USD654.51K) is about average for companies of similar size in the US market ($USD578.04K).
Compensation vs Earnings: David's compensation has been consistent with company performance over the past year.
|Senior VP||3.58yrs||US$273.68k||1.15% |
|Advisory Director||6yrs||US$31.53k||no data|
|Independent Director||27.75yrs||US$34.70k||1.35% |
|Advisory Director||13.92yrs||no data||no data|
|Independent Director||25.75yrs||US$34.70k||0.46% |
|Advisory Director||4.33yrs||US$31.20k||0.061% |
|Independent Director||6.25yrs||US$34.70k||0.22% |
|Independent Director||1.58yrs||US$21.90k||no data|
|Independent Director||1.92yrs||US$34.70k||no data|
Experienced Board: HWBK's board of directors are considered experienced (6.1 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: HWBK insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Hawthorn Bancshares, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Hawthorn Bancshares, Inc.
- Ticker: HWBK
- Exchange: NasdaqGS
- Founded: 1865
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$122.514m
- Shares outstanding: 6.49m
- Website: https://www.hawthornbancshares.com
Number of Employees
- Hawthorn Bancshares, Inc.
- 132 East High Street
- Box 688
- Jefferson City
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|HWBK||NasdaqGS (Nasdaq Global Select)||Yes||Common Stock||US||USD||Jun 2000|
Hawthorn Bancshares, Inc. operates as the bank holding company for Hawthorn Bank that provides various banking services in Missouri. It offers checking and savings accounts, and certificates of deposit; an ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/10/26 23:51|
|End of Day Share Price||2020/10/26 00:00|
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.