Hawthorn Bancshares, Inc. (HWBK) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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HomeStreet, Inc.

Partners Bancorp

Why is Hawthorn Bancshares, Inc. ?

High Profitability with a Net Interest Margin of 4.31%

Strong Long Term Fundamental Strength with a 10.74% CAGR growth in Net Profits

Positive results in Jun 26

ROCE(HY) Highest at 1.39%
DIVIDEND PER SHARE(HY) Highest at USD 0
OPERATING PROFIT(Q) Highest at USD 8.65 MM

With ROA of 0.78%, it has a expensive valuation with a 1.39 Price to Book Value

Over the past year, while the stock has generated a return of 39.48%, its profits have risen by 17.9% ; the PEG ratio of the company is 0.5

High Institutional Holdings at 37.41%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 4.2% over the previous quarter.

Consistent Returns over the last 3 years

Along with generating 39.48% returns in the last 1 year, the stock has outperformed S&P 500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Hawthorn Bancshares, Inc. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Hawthorn Bancshares, Inc. for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

Hawthorn Bancshares, Inc.

39.48%

3.05

34.60%

S&P 500

22.36%

1.70

13.18%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

9.17%

EBIT Growth (5y)

6.59%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

23.04%

Pledged Shares

Institutional Holding

33.21%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.39

EV to EBIT

10.51

EV to EBITDA

9.70

EV to Capital Employed

1.32

EV to Sales

2.89

PEG Ratio

0.52

Dividend Yield

2.36%

ROCE (Latest)

12.52%

ROE (Latest)

13.66%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bearish

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

10What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 33.58 MM

ROCE(HY)

Highest at 1.39%

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT(Q)

Highest at USD 8.65 MM

OPERATING PROFIT MARGIN(Q)

Highest at 35.52 %

PRE-TAX PROFIT(Q)

Highest at USD 8.93 MM

NET PROFIT(Q)

Highest at USD 7.33 MM

EPS(Q)

Highest at USD 1.06

-6What is not working for the Company

ROCE(HY)

Lowest at 1.39%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 19.8%

CASH AND EQV(HY)

Lowest at USD 13.37 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 95.17%

Here's what is working for Hawthorn Bancshares, Inc.

Operating Cash Flow

Highest at USD 33.58 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Operating Profit

Highest at USD 8.65 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 35.52 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 8.93 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 7.33 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.06

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Here's what is not working for Hawthorn Bancshares, Inc.

Cash and Eqv

Lowest at USD 13.37 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents

Credit Deposit Ratio

Lowest at 95.17%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Dividend Payout Ratio

Lowest at 19.8%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)