Stocks · Financial Services · Banks - Regional
Hawthorn Bancshares, Inc. HWBK
$38.35 -0.72% Close, Oct 5, 2026 · NASDAQ · Market cap $266.6M
Strong trendInexpensive vs sector
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The stock is in an uptrend: above its 200-day average for 235 trading days, with the 50-day average above the 200-day.
- Diluted EPS over the last four quarters was $3.82, up 29.5% year over year.
- Operating margin widened to 27.8% from 23.2% a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 50%
- EPS growth (TTM, YoY)Top 36%
- FCF growth (TTM, YoY)Top 35%
- Revenue growth, 3-year CAGRBottom 32%
- Revenue growth accelerationTop 27%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 16%
- Gross marginTop 29%
- Operating marginTop 34%
- Cash conversion (OCF / net income)Top 42%
- Accruals (lower is better)Top 46%
- Net debt / EBITDA (lower is better)Bottom 44%
- Interest coverTop 47%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 16%
- Free-cash-flow yieldTop 32%
- EBITDA / enterprise valueTop 28%
- Sales / enterprise valueTop 41%
- P/E vs own 5-year history (lower is better)Bottom 49%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 22%
- 6-month returnTop 22%
- 1-year return vs S&P 500Top 22%
- Distance from 52-week highTop 25%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 32%
- Maximum drawdown, 3 yearsTop 49%
- Beta vs S&P 500 (lower is better)Top 31%
- Net debt / EBITDA (lower is better)Bottom 44%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 4.0% | 6.4% | ↑ |
| EPS growth (YoY) | 32.5% | 29.5% | ↓ |
| Gross margin | 68.6% | 73.1% | ↑ |
| Operating margin | 23.2% | 27.8% | ↑ |
| FCF margin | 18.0% | 24.0% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 6.4% | 4.0% | ↑ | Bottom 50% |
| EPS growth (TTM, YoY) | 29.5% | 32.5% | ↓ | Top 36% |
| Gross margin | 73.1% | 68.6% | ↑ | Top 29% |
| Operating margin | 27.8% | 23.2% | ↑ | Top 34% |
| Net margin | 22.7% | 18.9% | ↑ | — |
| Free-cash-flow margin | 24.0% | 18.0% | ↑ | — |
| Return on invested capital | 9.2% | — | Top 16% | |
| Revenue growth, 3-year CAGR | 10.4% | — | Bottom 32% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.27×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.4%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.81×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.1×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.10%
- Net buyback yield (TTM)
- 0.39%
- Shareholder yield
- 2.49%
- Share count change, 1 year
- -1.2%
- Share count change, 3-year CAGR
- -0.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- -0.7%
- Positive 20 days after report
- 6 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | — | -0.5% | +1.9% | +0.2% | — |
| Apr 29, 2026 | — | -2.5% | -1.4% | +6.9% | +10.9% |
| Jan 28, 2026 | — | -0.1% | +9.5% | +8.4% | +7.0% |
| Oct 29, 2025 | — | +1.1% | +1.2% | +12.6% | +7.5% |
| Jul 30, 2025 | — | +0.0% | -0.5% | +13.8% | +5.6% |
| Apr 30, 2025 | — | -4.6% | -3.8% | -4.4% | -7.2% |
| Mar 17, 2025 | — | +0.4% | +2.4% | -6.5% | +0.3% |
| Jan 22, 2025 | — | +1.0% | +3.9% | +8.6% | -8.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | $1.06 | — | — | $30.0M |
| Apr 29, 2026 | $0.98 | — | — | $28.7M |
| Jan 28, 2026 | $0.90 | — | — | $28.9M |
| Oct 29, 2025 | $0.88 | — | — | $28.8M |
| Jul 30, 2025 | $0.88 | — | — | $27.5M |
| Apr 30, 2025 | $0.77 | — | — | $26.9M |
| Mar 17, 2025 | $0.66 | — | — | $27.4M |
| Jan 22, 2025 | $0.66 | — | — | $27.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.0× | 9.7× | 57th | Top 16% |
| EV / EBITDA | 9.8× | — | — | Top 28% |
| EV / Sales | 2.81× | — | — | Top 41% |
| Free-cash-flow yield | 10.47% | — | — | Top 32% |
| Earnings yield | 9.96% | — | — | Top 16% |
P/E over the past five years
Range 6.8× – 148.2× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +28.7%
- Earnings per share growth (TTM)
- +29.5%
- Change in P/E multiple
- +6.1%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 235
- 50-day average slope (20 days)
- +0.1%
- 200-day average slope (20 days)
- +1.4%
- Distance from 50-day average
- -2.0%
- Distance from 200-day average
- +6.3%
- RSI (14)
- 45.5
- Relative volume
- 1.28×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 17.4%
- Volatility vs own 5-year history
- 3th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.43
- Correlation with S&P 500
- 0.20
- Current drawdown from 1-year high
- -4.9%
- Maximum drawdown, 3 years
- -28.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jul 20, 2022 | Oct 19, 2023 | -38.4% | 315 days | 45 days (Dec 22, 2023) |
| Jan 2, 2024 | Apr 30, 2024 | -28.5% | 82 days | 124 days (Oct 25, 2024) |
| Feb 13, 2025 | Apr 4, 2025 | -27.1% | 35 days | 177 days (Dec 17, 2025) |
| Dec 18, 2020 | Jan 29, 2021 | -23.6% | 27 days | 25 days (Mar 8, 2021) |
| Mar 10, 2021 | Mar 17, 2021 | -17.5% | 5 days | 162 days (Nov 4, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $266.6M
- P/E (TTM)
- 10.0
- EPS, diluted (TTM)
- $3.82
- Revenue (TTM)
- $116.4M
- Dividend yield
- 2.16%
- 52-week range
- $29.39 – $40.60
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $81.4M | $83.2M | $88.0M | $109.7M | $112.1M |
| Gross profit | $77.2M | $73.6M | $52.8M | $71.9M | $79.9M |
| Operating income | $28.2M | $25.1M | $432,000 | $22.4M | $29.1M |
| Net income | $22.5M | $20.8M | $956,000 | $18.3M | $23.8M |
| EPS (diluted) | $3.15 | $2.94 | $0.14 | $2.61 | $3.43 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $27.6M | $27.4M | $26.9M | $27.5M | $28.8M | $28.9M | $28.7M | $30.0M |
| Net income | $4.6M | $4.6M | $5.4M | $6.1M | $6.1M | $6.2M | $6.8M | $7.3M |
| EPS (diluted) | $0.65 | $0.66 | $0.77 | $0.87 | $0.88 | $0.90 | $0.98 | $1.06 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $30.2M | $20.3M | $17.6M | $25.6M | $26.9M |
| Capital expenditure | -$591,000 | -$2.6M | -$2.1M | -$3.0M | -$4.1M |
| Free cash flow | $29.6M | $17.7M | $15.5M | $22.6M | $22.8M |
| Dividends paid | -$3.6M | -$4.2M | -$4.6M | -$5.0M | -$5.4M |
| Net share buybacks | -$2.1M | -$2.9M | $0 | -$1.1M | -$2.9M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $256.4M
- Total assets
- $1.77B
- Total liabilities
- $1.59B
- Total debt
- $83.5M
- Net debt
- $60.6M
- Shareholders’ equity
- $182.8M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 15, 2026 | $0.21 | Oct 1, 2026 |
| Jun 15, 2026 | $0.21 | Jul 1, 2026 |
| Mar 13, 2026 | $0.21 | Apr 1, 2026 |
| Dec 15, 2025 | $0.20 | Jan 1, 2026 |
| Sep 15, 2025 | $0.20 | Oct 1, 2025 |
| Jun 13, 2025 | $0.20 | Jul 1, 2025 |
| Mar 14, 2025 | $0.19 | Apr 1, 2025 |
| Dec 13, 2024 | $0.19 | Jan 1, 2025 |
Short interest
- Shares sold short
- 149,399
- Days to cover
- 9.58
- Change vs previous report
- +22.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jun 14, 2023
- 26-for-25
- Jun 14, 2022
- 26-for-25
- Jun 14, 2021
- 26-for-25
- Jun 12, 2020
- 26-for-25
- Jun 13, 2019
- 26-for-25