Is Hawthorn Bancshares, Inc. (HWBK) Overvalued?
We dive into why Hawthorn Bancshares, Inc. (HWBK) could be considered overvalued on 2026-08-18, based on AAII’s Value Score and Grade.Rosalio Madrigal
A+ Stock Grade Summary:
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COMPANY SUMMARY
Hawthorn Bancshares, Inc. operates as the bank holding company for Hawthorn Bank that provides various banking products and services to families and businesses. It offers checking and savings accounts, and certificates of deposit. The company also provides commercial and industrial, single payment personal, mortgage, installment, and commercial and residential real estate loans. In addition, it provides trust, wealth and treasury management, and brokerage services; and safety deposit boxes, debit cards, and internet banking services. Hawthorn Bancshares, Inc. was formerly known as Exchange National Bancshares, Inc. and changed its name to Hawthorn Bancshares, Inc. in 2007. The company was founded in 1865 and is headquartered in Jefferson City, Missouri.
Commentary & Analysis
Why Hawthorn Bancshares, Inc.’s (HWBK) Stock Is Up 5.30%
As of Tuesday, October 21, Hawthorn Bancshares, Inc.’s HWBK share price has surged by 5.30%, which has investors questioning if this is right time to sell.Jenna Brashear
Why Hawthorn Bancshares, Inc.’s (HWBK) Stock Is Up 5.41%
As of Friday, August 22, Hawthorn Bancshares, Inc.’s HWBK share price has surged by 5.41%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
Is Hawthorn Bancshares, Inc.(HWBK) Building Momentum?
With data as of July 3, 2025, we examine if Hawthorn Bancshares, Inc.(HWBK) is consistently building momentum based on AAII's A+ Investor Momentum and Value Scores and Grades.Jenna Brashear
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Financial Summary
| Share Statistics | HWBK | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $263.1 | $685.8 | 30% |
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| Shares Out (Mil) | 6.9 | 15.8 | 17% |
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| Institutional Ownership | 80.0% | 84.1% | 49% |
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| Float (Mil) | 6.2 | 21.7 | 14% |
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| Beta | 0.47 | 0.45 | 27% |
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| Avg Daily Volume (000s) | 17 | 44 | 20% |
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| Price Change (52-week) |
28.0% | 90.7% | 75% |
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| Growth | HWBK | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 5.0% | 7.7% | 36% |
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| Net Income (5yr) | 10.7% | 11.1% | 56% |
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| EPS (5yr) | 11.8% | 10.0% | 50 |
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| Dividends (5yr) | 12.6% | 3.6% | 76% |
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| Cash Flow (5yr) | (11.3%) | (17.1%) | 57% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | HWBK | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $84 | $188 | 24% |
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| Net Income (TTM) (Mil) | $25 | $54 | 50% |
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| EPS (TTM) | $3.679 | $2.600 | 81% |
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| Operating Cash Flow (TTM) (Mil) | $34 | $34 | 44% |
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| Net Cash Flow (TTM) (Mil) | ($68) | $2 | 17% |
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| Long-Term Debt (Q1) (Mil) | $83 | $95 | 43% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | HWBK | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.44 | 1.23 | 40% |
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| P/E | 10.4 | 12.0 | 20% |
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| Dividend Yield | 2.2% | 2.2% | 77% |
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| PEG (5yr hist) | 0.9 | 1.1 | 43% |
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| Ratios | HWBK | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 30.2% | 29.2% | 88% |
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| ROA | 1.4% | 1.1% | 51% |
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| ROE | 14.9% | 11.3% | 70% |
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| Liabilities to Assets | 89.7% | 89.7% | 85% |
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| F-Score | 6 | 4 | 67% |
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Passing Stock Screens
As of 10/7/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.7% |
| +/- S&P 500: | -0.8 |
