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Jun 8, 2026·SEC
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Apr 29, 2026·SEC
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Apr 29, 2026·SEC
Hawthorn Bancshares, Inc.(HWBK)Earnings, Financials & Key Ratios
HWBK•NASDAQ•Banking & Credit
$37.68
11.0× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutHawthorn Bancshares, Inc. operates as the bank holding company for Hawthorn Bank that provides commercial and personal banking services. It accepts checking, savings, money market, individual retirement, and other time deposit accounts; and certificates of deposit. The company also offers commercial and industrial, single payment personal, installment, commercial and residential real estate, and consumer loans, as well as equipment, operating, and small business administration loans; and debit and credit cards. In addition, it provides trust services that include estate planning, investment, and asset management services; and cash management, safety deposit box, brokerage, and Internet banking services. The company operates through 23 banking offices in Missouri communities, Jefferson City, Columbia, Clinton, Warsaw, Springfield, St. Louis, and the greater Kansas City metropolitan area. Hawthorn Bancshares, Inc. was founded in 1865 and is headquartered in Jefferson City, Missouri.Show more
- Net Interest Income$66M+13.5%
- Total Revenue$112M+2.2%
- Net Income$24M+30.4%
- Return on Equity14.7%+15.0%
- Net Interest Margin3.48%+9.4%
- Efficiency Ratio45.37%+0.5%
- ROA1.28%+29.7%
- Equity / Assets9.19%+12.2%
- Book Value per Share24.90+16.5%
HWBK Price & Volume
Hawthorn Bancshares, Inc. (HWBK) stock price & volume — 10-year historical chart
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Stable Missouri Banking Operations Face Margin Constraints
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Missouri real estate concentration
Key Thesis Takeaways
- Hawthorn Bancshares demonstrates a disciplined operational profile characterized by a consistent 45.1% efficiency ratio as of 2026Q1, though growth remains constrained by a stagnant $1.9 billion asset base.
- While the bank maintains a conservative capital position with an equity-to-assets ratio of 0.09, investors should monitor the persistent 0.9% net interest margin and the inherent geographic concentration risk within the Missouri real estate market.
- Future performance appears tied to the bank's ability to optimize its $1.6 billion securities portfolio while navigating the volatility of its transaction-based fee income streams.
Verdict Logic
while the bank shows a solid 11.45 P/E ratio and disciplined expense management, the stagnant 0.9% net interest margin and geographic concentration risk warrant a cautious approach.
HWBK Growth Metrics
Hawthorn Bancshares, Inc. (HWBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years7.39%
5 Years7.51%
3 Years10.43%
TTM-
Profit CAGR
10 Years10.72%
5 Years10.74%
3 Years4.68%
TTM31.34%
EPS CAGR
10 Years11.55%
5 Years11.84%
3 Years5.27%
TTM32.48%
Return on Capital
10 Years6.25%
5 Years7.01%
3 Years5.62%
Last Year9.2%
HWBK Recent Earnings
Hawthorn Bancshares, Inc. (HWBK) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 29, 2026Metric
Actual
Est
EPS
$0.98
—
Rev
$29M
—
Q2 2026
Mar 5, 2026Metric
Actual
Est
EPS
$0.88
—
Rev
$29M
—
Q1 2026
Jan 28, 2026Metric
Actual
Est
EPS
$0.90
—
Rev
$29M
—
Q4 2025
Oct 29, 2025Metric
Actual
Est
EPS
$0.88
—
Rev
$29M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.98 | $29M |
| Q2 2026 | Mar 5, 2026 | $0.88 | $29M |
| Q1 2026 | Jan 28, 2026 | $0.90 | $29M |
| Q4 2025 | Oct 29, 2025 | $0.88 | $29M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Hawthorn Bancshares, Inc. (HWBK)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $37.68 | $259.86M | 10.99 | 2.2% | 21.23% | 14.7% | 2.06% | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $30.31 | $990.47M | 10.90 | 11.84% | 17.47% | 10.06% | — | |
| $49.31 | $1.02B | -13.93 | -23.13% | 16.66% | 10.02% | — | |
| $95.90 | $1.58B | 12.75 | 1.53% | 22.15% | 12.33% | — | |
| $32.64 | $3.17B | 20.66 | 7.49% | 15.92% | 5.4% | — |
Compare HWBK vs Peers
Hawthorn Bancshares, Inc. (HWBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
HWBK SEC Filings & Documents
Hawthorn Bancshares, Inc. (HWBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
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HWBK Frequently Asked Questions
Hawthorn Bancshares, Inc. (HWBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Hawthorn Bancshares, Inc. growing?
Hawthorn Bancshares, Inc. (HWBK) grew revenue by 2.2% over the past year. Growth has been modest.
Is HWBK profitable?
Yes, Hawthorn Bancshares, Inc. (HWBK) is profitable, generating $25.2M in net income for fiscal year 2025 (21.2% net margin).
Dividend & Returns
Does HWBK pay dividends?
Yes, Hawthorn Bancshares, Inc. (HWBK) pays a dividend with a yield of 2.06%. This makes it attractive for income-focused investors.
What is HWBK's return on equity?
Hawthorn Bancshares, Inc. (HWBK) has a return on equity (ROE) of 14.7%. This is reasonable for most industries.
Industry Metrics
What is Hawthorn Bancshares, Inc.'s net interest margin?
Hawthorn Bancshares, Inc. (HWBK) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.
What is Hawthorn Bancshares, Inc.'s efficiency ratio?
Hawthorn Bancshares, Inc. (HWBK) has an efficiency ratio of 45.4%. This is excellent, indicating strong cost control.