Hawthorn Bancshares, Inc.
HWBK Nasdaq· National Commercial Banks
Last close · Oct 26, 2026
$39.27
KIRA · Stoqly’s AI analyst, in plain words
- Hawthorn Bancshares, Inc. had $80.2M of revenue in fiscal 2025, up 10.0% on the year before. Over five years, revenue changed +3.3% a year on average.
- Hawthorn Bancshares, Inc. made $23.8M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 12.5% a year.
- Hawthorn Bancshares, Inc. returned $8.3M to shareholders in fiscal 2025, 36% of free cash flow. The diluted share count fell 0.8%.
- It earned 14.7% on shareholders’ money. Running costs took 63.4% of revenue (the efficiency ratio; lower is better).
Market cap
$271M
P/E
10.7x
Revenue
$80.2M
Net income
$23.8M
Return on equity
14.7%
Efficiency ratio
63.4%
Hawthorn Bancshares, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+10.0%
Yes. Sales grew 10.0% last year.
Does it make a profit?
29.7%
Yes. It keeps 29.7% of every sale as profit.
How lean are its costs?
63.4%
Average. Running costs take 63.4% of revenue.
How much does it earn on its capital?
14.7%
Good. It earns 14.7% a year on shareholders’ money.
How is the share priced?
10.7x
One share costs 10.7 times its yearly profit per share.
What Hawthorn Bancshares, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 5, 2026
- Legal name
- HAWTHORN BANCSHARES, INC.
- CIK
- 0000893847
Hawthorn Bancshares, Inc. · HWBK
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $75.3M | $72.7M | $66.7M | $72.9M | $80.2M |
| Revenue growth | 10.4% | −3.4% | −8.3% | 9.4% | 10.0% |
| Net interest income | $58.5M | $58.8M | $59.1M | $58.6M | $65.9M |
| Net income | $22.5M | $20.8M | $1.0M | $18.3M | $23.8M |
| Net margin | 29.9% | 28.5% | 1.4% | 25.0% | 29.7% |
| Diluted EPS | $3.15 | $2.94 | $0.14 | $2.61 | $3.43 |
| Cash | |||||
| Cash from operations | $30.2M | $20.3M | $17.6M | $25.6M | $26.9M |
| Capital expenditure | $0.6M | $2.6M | $2.1M | $3.0M | $4.1M |
| Free cash flow | $29.6M | $17.7M | $15.5M | $22.6M | $22.8M |
| FCF margin | 39.3% | 24.4% | 23.3% | 31.0% | 28.5% |
| Dividends paid | $3.6M | $4.2M | $4.6M | $5.0M | $5.4M |
| Share buybacks | $2.1M | $2.9M | $0.0M | $1.1M | $2.9M |
| Share count change | 10.1% | −1.2% | −0.3% | −0.6% | −0.8% |
| Debt and strength | |||||
| Cash and short-term investments | $160M | $83.7M | $93.5M | $51.0M | $104M |
| Debt incl. finance leases | $23.8M | $5.2M | $0.0M | — | — |
| Loans, net | $1.3B | $1.5B | $1.5B | $1.4B | $1.5B |
| Deposits | $1.5B | $1.6B | $1.6B | $1.5B | $1.6B |
| Shareholders' equity | $149M | $127M | $136M | $150M | $174M |
| Returns and quality | |||||
| Return on equity | 16.1% | 15.0% | 0.7% | 12.8% | 14.7% |
| Return on tangible equity | 15.1% | 16.3% | 0.7% | 12.2% | 13.7% |
| Efficiency ratio | 65.0% | 66.7% | 78.5% | 67.9% | 63.4% |
| Piotroski F-score | 6 | 4 | 5 | — | — |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Hawthorn Bancshares, Inc. · HWBK
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $39.27 a share, the company is worth $271M: 10.7 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000893847). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.