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

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

First Community Corp. (South Carolina)

Franklin Financial Services Corp. (Pennsylvania)

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Hawthorn Bancshares, Inc.

Peoples Bancorp of North Carolina, Inc.

United Security Bancshares (California)

Hanover Bancorp, Inc.

First Internet Bancorp

HomeStreet, Inc.

First Guaranty Bancshares, Inc.

Partners Bancorp

Why is Hawthorn Bancshares, Inc. ?

High Profitability with a Net Interest Margin of 5.55%

Strong Long Term Fundamental Strength with a 11.33% CAGR growth in Net Profits

The company has declared Positive results for the last 4 consecutive quarters

ROCE(HY) Highest at 1.11%
NII(Q) Highest at USD 16.14 MM
CASH AND EQV(HY) Highest at USD 44.47 MM

With ROA of 0.83%, it has a expensive valuation with a 1.42 Price to Book Value

Over the past year, while the stock has generated a return of 6.49%, its profits have risen by 371.3% ; the PEG ratio of the company is 0

High Institutional Holdings at 35.92%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

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?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Hawthorn Bancshares, Inc.

7.73%

2.11

34.22%

S&P 500

12.66%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

8.45%

EBIT Growth (5y)

11.40%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

28.38%

Pledged Shares

Institutional Holding

35.92%

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

1.42

EV to EBIT

12.93

EV to EBITDA

11.98

EV to Capital Employed

1.30

EV to Sales

2.98

PEG Ratio

0.03

Dividend Yield

1.87%

ROCE (Latest)

10.06%

ROE (Latest)

12.50%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bullish

OBV

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

16What is working for the Company

ROCE(HY)

Highest at 1.11%

NII(Q)

Highest at USD 16.14 MM

CASH AND EQV(HY)

Highest at USD 44.47 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT(Q)

Highest at USD 7.47 MM

OPERATING PROFIT MARGIN(Q)

Highest at 31.23 %

PRE-TAX PROFIT(Q)

Highest at USD 7.47 MM

NET PROFIT(Q)

Highest at USD 6.1 MM

EPS(Q)

Highest at USD 0.88

-2What is not working for the Company

ROCE(HY)

Lowest at 1.11%

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

NII

Highest at USD 16.14 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Operating Profit

Highest at USD 7.47 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 31.23 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 7.47 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 6.1 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.88

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Cash and Eqv

Highest at USD 44.47 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

CASA

Highest at 13.87%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)