Présentation de l'entreprise
Hawthorn Bancshares, Inc. functions as a bank holding company that serves as the parent entity for Hawthorn Bank, delivering a comprehensive suite of banking products and services tailored for families and businesses. The institution operates within the Financial Services sector, specifically classified under the Banks - Regional industry, which positions it to serve localized communities rather than engaging in nationwide or global commercial banking operations. The company's scale is reflected in a market capitalization of $238.46M, annual revenue of $79.95M, and a workforce comprising 255 employees. These valuation and revenue figures indicate that Hawthorn Bancshares, Inc. maintains a mid-sized regional footprint, balancing sufficient capital reserves to support lending activities while remaining sensitive to the economic conditions of its specific geographic markets.
Santé financière
The financial performance of the entity is characterized by a TTM revenue of $79.95M and a corresponding net income of $23.80M, while the EBITDA figure is listed as N/A. The significant gap between the total revenue of $79.95M and the net income of $23.80M reveals a cost structure where operating expenses, including interest on deposits and administrative costs, consume approximately 70% of gross revenue before arriving at the bottom line. Although free cash flow data is not available (N/A), the company holds a substantial cash position of $105.49M, which suggests strong liquidity reserves available for loan origination or strategic acquisitions. The margin profile displays a gross margin of 0.0%, which is standard for financial institutions as interest income and expense are typically netted in the operating line rather than reported as gross profit; however, the operating margin stands at 29.7% and the profit margin reaches 29.8%, indicating efficient management of overhead costs relative to net earnings. In terms of leverage, total debt stands at $155.65M against cash reserves of $105.49M, and the debt-to-equity ratio is listed as N/A, suggesting a balance sheet that is moderately leveraged with debt exceeding liquid cash but likely backed by significant restricted banking assets. The current ratio is listed as N/A, which is typical for banks where liquidity is measured by reserve ratios rather than the standard current assets to current liabilities metric used in industrial sectors. Management effectiveness is evidenced by a Return on Equity (ROE) of 14.7% and a Return on Assets (ROA) of 1.3%, demonstrating the ability to generate substantial returns on shareholders' capital while maintaining a conservative return on the total asset base.
Évaluation de la valorisation
Valuation metrics for Hawthorn Bancshares, Inc. include a Trailing Twelve Months (TTM) P/E ratio of 10.07, while the Forward P/E is listed as N/A. The absence of a forward P/E figure implies that future earnings projections are not yet standardized or available for calculation, meaning the trailing P/E remains the primary indicator of current earnings relative to share price. The price-to-book ratio is recorded at 1.37, which indicates that the market values the company at 37% above its tangible book value, suggesting a moderate premium over the net assets of the bank. Alternative valuation measures include a price-to-sales ratio of 2.98 and an EV/EBITDA ratio of N/A, where the P/S metric highlights the revenue multiple applied to the stock price despite the lack of an EV/EBITDA calculation. The stock's price range over the last year has fluctuated between a 52-week low of $26.43 and a 52-week high of $36.49, with the current trading position situated within this established band. The beta value is 0.48, indicating that the stock's price volatility is significantly lower than the broader market, making it less sensitive to general market fluctuations compared to larger, more liquid financial equities.
Growth & Income
The company has demonstrated robust expansion with a revenue growth rate of 8.7% year-over-year and an earnings growth rate of 36.4% year-over-year. The disparity between these two growth rates, where earnings are growing more than four times faster than revenue, implies substantial leverage effects or cost efficiencies that are amplifying profitability at a faster pace than top-line expansion. As a dividend payer, the company offers a dividend yield of 2.3% with a payout ratio of 23.0%, a low payout ratio that suggests a high degree of sustainability and the capacity to increase future dividends without compromising capital adequacy or retention needs. The conservative payout ratio allows the firm to retain a majority of its earnings for internal growth initiatives, capitalizing on the strong 36.4% earnings growth trajectory to bolster reserves and lending capacity. Overall, the growth and income profile presents a scenario of accelerating profitability supported by a modest, sustainable dividend yield and a low-beta risk profile.