Hawthorn Bancshares Inc (HWBK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Hawthorn Bancshares Inc stock (HWBK) is currently trading at $32.66. Hawthorn Bancshares Inc PE ratio is 9.45. Hawthorn Bancshares Inc PS ratio (Price-to-Sales) is 2.80. WallStSmart rates HWBK as Hold.
- HWBK PE ratio analysis and historical PE chart
- HWBK PS ratio (Price-to-Sales) history and trend
- HWBK intrinsic value — DCF, Graham Number, EPV models
- HWBK stock price prediction 2025 2026 2027 2028 2029 2030
- HWBK fair value vs current price
- HWBK insider transactions and insider buying
- Is HWBK undervalued or overvalued?
- Hawthorn Bancshares Inc financial analysis — revenue, earnings, cash flow
- HWBK Piotroski F-Score and Altman Z-Score
- HWBK analyst price target and Smart Rating
Hawthorn Bancshares Inc
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HWBK Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Hawthorn Bancshares Inc (HWBK)
HWBK trades at a significant discount to its Graham intrinsic value of $160.52, offering a 78% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Hawthorn Bancshares Inc (HWBK) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around market cap. Fundamentals are solid but monitor weak areas for improvement.
Hawthorn Bancshares Inc (HWBK) Key Strengths (4)
Earnings per share surging 36.40% year-over-year
Keeps $30 of every $100 in revenue as net profit
Strong operational efficiency: $30 kept per $100 revenue
Trading at 1.29x book value, attractively priced
Supporting Valuation Data
Hawthorn Bancshares Inc (HWBK) Areas to Watch (5)
Micro-cap company with very limited liquidity and high volatility
Modest revenue growth at 8.70%
Moderate profitability with room for improvement
Revenue is fairly priced at 2.80x sales
Moderate institutional interest at 31.18%
Hawthorn Bancshares Inc (HWBK) Detailed Analysis Report
Overall Assessment
This company scores 61/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.0/10) while 5 fall into concern territory (avg 4.8/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on EPS Growth, Profit Margin, Operating Margin. Valuation metrics including Price/Book (1.29) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 29.70%, Profit Margin at 29.80%. Growth metrics are encouraging with EPS Growth at 36.40%.
The Bear Case
The primary concerns are Market Cap, Revenue Growth, Return on Equity. Some valuation metrics including Price/Sales (2.80) suggest expensive pricing. Growth concerns include Revenue Growth at 8.70%, which may limit upside. Profitability pressure is visible in Return on Equity at 14.70%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 14.70% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 8.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (EPS Growth, Profit Margin) and negatives (Market Cap, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
HWBK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
HWBK's Price-to-Sales ratio of 2.80x trades 60% above its historical average of 1.75x (92th percentile), historically expensive. The current valuation is 10% below its historical high of 3.12x set in Mar 2007, and 366% above its historical low of 0.6x in Oct 2011.
WallStSmart Analysis Synopsis
Data-driven financial summary for Hawthorn Bancshares Inc (HWBK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Hawthorn Bancshares Inc is a mature, profitable business with steady cash generation. Revenue reached 80M with 9% growth year-over-year. Profit margins are strong at 29.8%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 29.8% and operating margin of 29.7% demonstrate strong pricing power and operational efficiency.
Generating 13M in free cash flow and 15M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Hawthorn Bancshares Inc.
Bottom Line
Hawthorn Bancshares Inc is a well-established business delivering consistent profitability with 29.8% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Hawthorn Bancshares Inc(HWBK)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Hawthorn Bancshares, Inc. is the banking holding company for Hawthorn Bank providing various banking services in Missouri. The company is headquartered in Jefferson City, Missouri.