Hawthorn Bancshares, Inc. (HWBK)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Hawthorn Bancshares, Inc. (HWBK) trades at $38.30 with AI Score 90/100 (Grade A+). Hawthorn Bancshares, Inc. is a Missouri-based bank holding company operating through Hawthorn Bank. Market cap: $264.10M, Sector: Financial services.
Price live · AI analysis from May 10, 2026Analyst Coverage for HWBK: HWBK does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates HWBK against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
HWBK: 5/7 perspectives are bullish. Dominant signal: Ken Griffin bearish.
How is this calculated? →Hawthorn Bancshares, Inc. (HWBK) Financial Services Profile
Hawthorn Bancshares, Inc., established in 1865, operates as a regional bank holding company providing commercial and personal banking services through its Hawthorn Bank subsidiary. With a focus on Missouri communities, the company offers traditional banking products, trust services, and digital banking solutions, maintaining a community-centric approach in a competitive financial landscape.
What Is the Investment Thesis for HWBK?
Hawthorn Bancshares presents a stable investment profile within the regional banking sector, characterized by a P/E ratio of 9.2 and a profit margin of 22.1%. The company's dividend yield of 2.20% offers a steady income stream for investors. Growth catalysts include expanding digital banking services and strategic expansion within Missouri. However, potential risks include interest rate sensitivity and competition from larger national banks and fintech companies. Investors should monitor Hawthorn's ability to maintain its market share and adapt to evolving customer preferences in the digital age. The company's beta of 0.48 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
HWBK Key Highlights
- Market capitalization of $264.10M indicates a moderate-sized regional bank.
- P/E ratio of 9.2 suggests a potentially undervalued stock compared to industry peers.
- Profit margin of 22.1% reflects efficient operations and profitability.
- Gross margin of 72.2% demonstrates strong revenue generation relative to the cost of goods sold.
- Dividend yield of 2.20% provides a consistent income stream for investors.
Who Are HWBK's Competitors?
HWBK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CASH Pathward Financial, Inc. | $89.31 | +0.66% | $1.89B | 92 |
| HBNC Horizon Bancorp, Inc. | $19.88 | +0.52% | $1.02B | 37 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $54.16 | +0.39% | $30.47B | 67 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are HWBK's Key Strengths?
- Long-standing presence and strong reputation in Missouri.
- Diversified range of banking products and services.
- Experienced management team.
- Solid financial performance with consistent profitability.
What Are HWBK's Weaknesses?
- Limited geographic diversification, primarily focused on Missouri.
- Smaller scale compared to larger regional and national banks.
- Dependence on traditional banking model in a rapidly evolving digital landscape.
- Potential vulnerability to interest rate fluctuations.
What Could Drive HWBK Stock Higher?
- Expansion of digital banking platforms to enhance customer experience and attract new customers.
- Potential acquisitions of smaller community banks within Missouri to expand market share.
- Implementation of new lending programs to support local businesses and drive loan growth.
- Launch of new wealth management products and services to generate fee income.
What Are the Key Risks for HWBK?
- Financial-distress signal — its Altman Z-Score of -0.52 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger banks and fintech companies could erode market share.
- Rising interest rates could negatively impact loan demand and profitability.
- Regulatory changes and compliance costs could increase operating expenses.
- Economic downturn in Missouri could lead to loan losses.
What Are the Growth Opportunities for HWBK?
- Expansion of Digital Banking Services: Hawthorn Bancshares can leverage the growing demand for digital banking by enhancing its online and mobile platforms. Investing in user-friendly interfaces, mobile payment options, and personalized financial management tools can attract younger demographics and increase customer engagement. The digital banking market is projected to reach $9 trillion by 2028, presenting a significant growth opportunity for Hawthorn to capture a larger share of the digital banking user base.
- Strategic Branch Expansion in Missouri: Identifying underserved communities within Missouri and establishing new branch locations can drive deposit growth and expand Hawthorn's customer base. Focus on areas with strong economic growth and limited banking options. Each new branch represents an opportunity to acquire local deposits and increase market share within the state. This expansion should be coupled with community outreach programs to build local relationships.
- Enhancement of Commercial Lending Portfolio: By offering specialized lending products tailored to local businesses, Hawthorn can strengthen its commercial lending portfolio. This includes providing financing for equipment, real estate, and working capital. The small business lending market is estimated at $800 billion annually, providing a substantial opportunity for Hawthorn to increase its lending volume and generate higher interest income. Focus on industries with strong growth potential in Missouri.
- Development of Wealth Management Services: Expanding wealth management services, including financial planning, investment management, and trust services, can generate fee income and attract high-net-worth clients. Offering personalized wealth management solutions can differentiate Hawthorn from competitors and create long-term client relationships. The wealth management industry is projected to grow at 7% annually, presenting a significant opportunity for Hawthorn to increase its fee-based revenue.
- Partnerships with Fintech Companies: Collaborating with fintech companies can provide Hawthorn with access to innovative technologies and expand its service offerings. Partnering with fintechs specializing in areas such as online lending, digital payments, and cybersecurity can enhance Hawthorn's competitiveness and attract tech-savvy customers. These partnerships can also streamline operations and reduce costs. The fintech market is expected to reach $305 billion by 2025, making it a valuable area for strategic alliances.
What Opportunities Does HWBK Have?
- Expansion of digital banking services to attract younger customers.
- Strategic acquisitions to expand market share within Missouri.
- Growth in wealth management services to generate fee income.
- Increased commercial lending activity driven by economic growth in Missouri.
What Threats Does HWBK Face?
- Increased competition from larger national banks and fintech companies.
- Rising interest rates could negatively impact loan demand and profitability.
- Regulatory changes and compliance costs.
- Economic downturn in Missouri could lead to loan losses.
What Are HWBK's Competitive Advantages?
- Established brand and reputation in Missouri banking market.
- Strong local customer relationships built over decades.
- Extensive branch network across key Missouri communities.
- Conservative lending practices and risk management.
What Does HWBK Do?
Hawthorn Bancshares, Inc. traces its roots back to 1865, marking over a century and a half of service in the Missouri banking sector. As the holding company for Hawthorn Bank, it delivers a comprehensive suite of financial products and services tailored to both commercial and individual clients. These offerings encompass a variety of deposit accounts, including checking, savings, money market, individual retirement accounts (IRAs), and certificates of deposit (CDs). The bank also provides a range of lending options, such as commercial and industrial loans, single payment personal loans, installment loans, commercial and residential real estate loans, equipment financing, operating loans, and Small Business Administration (SBA) loans. Beyond traditional banking, Hawthorn Bancshares extends its services to include debit and credit cards, trust services (estate planning, investment, and asset management), cash management, safety deposit boxes, brokerage services, and internet banking. Operating through 23 banking offices strategically located in Missouri communities like Jefferson City, Columbia, Clinton, Warsaw, Springfield, St. Louis, and the greater Kansas City metropolitan area, Hawthorn Bank maintains a strong regional presence. The company's enduring commitment to its local markets and diversified service portfolio positions it as a key player in the Missouri banking landscape.
What Products and Services Does HWBK Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers commercial and industrial loans to support local businesses.
- Provides residential and commercial real estate financing.
- Offers personal loans for various consumer needs.
- Provides trust services, including estate planning and asset management.
- Offers online and mobile banking services.
- Provides debit and credit cards to customers.
How Does HWBK Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Provides trust and wealth management services for a fee.
- Manages risk through prudent lending practices and regulatory compliance.
What Industry Does HWBK Operate In?
Hawthorn Bancshares operates within the competitive regional banking sector, facing both traditional banks and emerging fintech companies. The industry is characterized by increasing regulatory scrutiny, fluctuating interest rates, and evolving customer expectations for digital banking services. The Missouri banking market, while stable, requires institutions to adapt to changing demographics and economic conditions. Hawthorn's focus on community banking and diversified service offerings positions it to capitalize on local market opportunities, but it must also navigate the challenges of scale and technological innovation to remain competitive.
Who Are HWBK's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans and banking solutions.
- High-net-worth individuals seeking wealth management and trust services.
- Local communities within Missouri.
Company Profile
Hawthorn Bancshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Jefferson City, US. The company is led by CEO Brent Giles. HWBK has traded publicly since 1999.
How Hawthorn Bancshares, Inc. Is Valued
Hawthorn Bancshares, Inc. carries a market capitalization of $264.10M, placing it in the micro-cap category. Relative to its peer group, HWBK's quantitative score of 90/100 is above the peer average of 67/100.
ROE 15%Key Financial Metrics
Return on equity for Hawthorn Bancshares, Inc. stands at 15.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.4%, showing how much profit it generates from its asset base. HWBK trades at a trailing price-to-earnings ratio of 9.19, below the Financial Services sector average of ~18x. Its free cash flow yield is 8.6%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.22 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 9.3%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 9/9Financial Health
Hawthorn Bancshares, Inc.'s Piotroski F-Score is 9/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.52 places it in the distress zone, a signal of elevated financial risk.
HWBK Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in Hawthorn's growth potential, as insiders often have better insights into company performance.
- Community sentiment has shifted positively, with discussions highlighting the strength of the bank's local presence and customer loyalty.
- Analysts have noted the bank's solid fundamentals, emphasizing its resilience in a challenging economic environment.
- The overall banking sector has shown signs of recovery, which may benefit Hawthorn as it aligns with broader market trends.
Bear Case
- Concerns over potential regulatory changes in the banking industry have created uncertainty among investors, leading to cautious sentiment.
- Some community discussions reflect worries about the bank's exposure to economic downturns, particularly in its lending practices.
- Recent earnings reports have raised questions about profitability, sparking debate over the bank's ability to sustain growth.
- Market perception remains cautious, with mixed views on the overall stability of smaller banks in the current economic climate.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
HWBK Latest News
No recent news available for HWBK.
HWBK Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for HWBK.
Price Targets
Wall Street price target analysis for HWBK.
HWBK MoonshotScore
What does this score mean?
The MoonshotScore rates HWBK's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Brent Giles
CEO
Brent Giles serves as the CEO of Hawthorn Bancshares, Inc., leading the company's strategic direction and overseeing its operations. His background includes extensive experience in the banking industry, with a focus on commercial lending and community banking. He has held various leadership positions within Hawthorn Bank, contributing to the company's growth and stability. Giles is actively involved in community development initiatives and serves on the boards of several local organizations.
Track Record: Under Brent Giles' leadership, Hawthorn Bancshares has maintained a consistent track record of profitability and growth. He has overseen the expansion of the bank's digital banking services and the implementation of strategic initiatives to enhance customer experience. Giles has also played a key role in managing the bank's risk profile and ensuring compliance with regulatory requirements.
Common Questions About HWBK (Financial Services)
What does Hawthorn Bancshares, Inc. do?
Hawthorn Bancshares, Inc. operates as the bank holding company for Hawthorn Bank, providing a range of commercial and personal banking services to individuals and businesses in Missouri. Its services include deposit accounts, lending, trust services, and digital banking solutions. The company focuses on serving the financial needs of its local communities, offering personalized service and building long-term relationships with its customers. Hawthorn Bank operates through 23 banking offices located in various Missouri communities.
What do analysts say about HWBK stock?
Analyst coverage of Hawthorn Bancshares (HWBK) is limited, but the stock is generally viewed as a stable, income-generating investment within the regional banking sector. Key valuation metrics include a P/E ratio of 9.2 and a dividend yield of 2.20%. Growth considerations include the company's ability to expand its digital banking services and increase its market share in Missouri. Investors should monitor the company's financial performance, regulatory compliance, and competitive positioning within the evolving banking landscape. Analyst consensus is neutral, reflecting the company's steady but unspectacular growth prospects.
What are the main risks for HWBK?
The main risks for Hawthorn Bancshares include increased competition from larger banks and fintech companies, rising interest rates, regulatory changes, and economic downturns in Missouri. Increased competition could erode market share and pressure profit margins. Rising interest rates could negatively impact loan demand and profitability. Regulatory changes and compliance costs could increase operating expenses. An economic downturn in Missouri could lead to loan losses and reduced profitability. Hawthorn must effectively manage these risks to maintain its financial stability and growth prospects.
What are the key factors to evaluate for HWBK?
Hawthorn Bancshares, Inc. (HWBK) holds an AI score of 90/100 (high). P/E: 9.2x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does HWBK data refresh on this page?
HWBK prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven HWBK's recent stock price performance?
Hawthorn Bancshares, Inc. (HWBK) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing presence and strong reputation in Missouri. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider HWBK overvalued or undervalued right now?
Hawthorn Bancshares, Inc. (HWBK) trades at 9.2x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying HWBK?
Before investing in Hawthorn Bancshares, Inc. (HWBK), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available company data and market analysis.
- Financial metrics are as of 2026-05-10.
- Analyst opinions may vary.