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

Franklin Financial Services Corp. (Pennsylvania)

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Hawthorn Bancshares, Inc.

United Security Bancshares (California)

First Internet Bancorp

Hanover Bancorp, Inc.

First Guaranty Bancshares, Inc.

HomeStreet, Inc.

Partners Bancorp

Why is Hawthorn Bancshares, Inc. ?

High Profitability with a Net Interest Margin of 4.94%

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

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

ROCE(HY) Highest at 1.28%
DIVIDEND PER SHARE(HY) Highest at USD 0
OPERATING PROFIT(Q) Highest at USD 7.53 MM

With ROA of 1.26%, it has a fair valuation with a 1.40 Price to Book Value

Over the past year, while the stock has generated a return of 12.95%, its profits have risen by 17.9% ; the PEG ratio of the company is 0.5

High Institutional Holdings at 32.13%

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.

13.36%

1.94

34.00%

S&P 500

13.68%

0.71

19.28%

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)

6.90%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

23.03%

Pledged Shares

Institutional Holding

32.13%

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

1.40

EV to EBIT

8.93

EV to EBITDA

8.41

EV to Capital Employed

1.40

EV to Sales

2.51

PEG Ratio

0.53

Dividend Yield

2.33%

ROCE (Latest)

15.74%

ROE (Latest)

13.66%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bearish

Mildly Bullish

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

14What is working for the Company

ROCE(HY)

Highest at 1.28%

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT(Q)

Highest at USD 7.53 MM

PRE-TAX PROFIT(Q)

Highest at USD 7.54 MM

NET PROFIT(Q)

Highest at USD 6.18 MM

NII(Q)

Highest at USD 17.58 MM

NET SALES(Q)

Highest at USD 25.29 MM

EPS(Q)

Highest at USD 0.9

-8What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 11.78 MM

ROCE(HY)

Lowest at 1.28%

GROSS NPA (%)

CASH AND EQV(HY)

Lowest at USD 17.61 MM

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

Operating Profit

Highest at USD 7.53 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (USD MM)

Pre-Tax Profit

Highest at USD 7.54 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 6.18 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

NII

Highest at USD 17.58 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Net Sales

Highest at USD 25.29 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

EPS

Highest at USD 0.9

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

CASA

Highest at 14.24%

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 (%)

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

Non Performing Loans (%)

Highest at 0.46%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Operating Cash Flow

Lowest at USD 11.78 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Cash and Eqv

Lowest at USD 17.61 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents