企業概要
Hawthorn Bancshares, Inc. operates as a bank holding company that provides a comprehensive suite of banking products and services to both families and businesses through its subsidiary, Hawthorn Bank. The firm functions within the Financial Services sector, specifically categorized under the Banks - Regional industry, positioning it as a key institution for local and community-based financial management. Hawthorn Bancshares, Inc. currently maintains a market capitalization of $241.01M, generates annual revenue (TTM) of $79.95M, and employs a workforce of 255 individuals. These valuation and operational figures indicate that the company holds a mid-sized market position, characterized by a relatively compact asset base compared to national giants yet sufficient scale to serve a defined regional customer base effectively.
財務健全性
The company reported a total revenue of $79.95M for the trailing twelve months, with a net income of $23.80M, while specific EBITDA figures are not disclosed in the available financial data. The significant gap between the gross revenue of $79.95M and the net income of $23.80M reveals a cost structure where operating expenses and the inherent costs of banking operations consume the majority of top-line earnings, leaving a substantial portion for shareholders. Free cash flow is not reported in the available facts, which limits the ability to assess immediate cash generation from operations independent of financing activities. In terms of profitability margins, the gross margin is listed at 0.0%, a standard characteristic for financial institutions where interest income and interest expense net out before operating costs; however, the operating margin stands at a healthy 29.7% and the profit margin reaches 29.8%, indicating efficient management of operating costs relative to revenue. The balance sheet shows a cash position of $105.49M against total debt of $155.65M, suggesting a leveraged stance where external liabilities exceed on-hand liquidity, though the specific debt-to-equity ratio is not provided. The current ratio is also unavailable, preventing a direct assessment of short-term liquidity coverage against current liabilities. Regarding return metrics, the Return on Equity is 14.7% and the Return on Assets is 1.3%, figures that reveal management is generating moderate returns on shareholder capital and lower returns on the total asset base, typical for regional banking models focused on stability rather than aggressive expansion.
バリュエーション評価
The trailing twelve-month P/E ratio is 10.18, whereas the forward P/E ratio is not available in the current dataset, a discrepancy that implies market analysts or the company itself have not projected a specific earnings trajectory for the immediate future. The price-to-book ratio is 1.38, which indicates that the market values the company's equity at a 38% premium over its net tangible book value, reflecting positive market sentiment regarding the bank's franchise value and asset quality. Alternative valuation metrics include a price-to-sales ratio of 3.01, while the EV/EBITDA metric is not provided, suggesting that investors rely heavily on earnings-based and sales-based multiples rather than enterprise value measures for this stock. The stock has traded between a 52-week low of $26.43 and a 52-week high of $36.49, and without the current share price, the exact percentage deviation from these bounds cannot be calculated, but the range demonstrates the stock's volatility over the past year. The beta value is 0.48, indicating that the stock's price volatility is significantly lower than that of the broader market, making it a less sensitive investment to general market swings compared to large-cap equities.
Growth & Income
Revenue growth for the trailing twelve months is 8.7%, while earnings growth for the same period is a robust 36.4%, indicating that earnings are expanding at a rate substantially faster than revenue. This divergence suggests that the company is experiencing improving operational leverage or net interest margin expansion that allows profitability to outpace top-line growth. As a dividend payer, the company offers a dividend yield of 2.3% with a payout ratio of 23.0%, a low payout level that implies the majority of earnings are retained for reinvestment or reserves, ensuring the dividend is highly sustainable given the strong earnings growth. The overall growth and income profile presents a scenario of accelerating profitability supported by a conservative dividend policy, offering a balance of capital appreciation potential and income generation for shareholders.