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Hawthorn Bancshares, Inc. (HWBK) AI Forecast

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Hawthorn Bancshares, Inc. (HWBK) Stock Forecast 2025


Hawthorn Bancshares, Inc. (HWBK) AI Stock Price Forecast & Investment Analysis

Hawthorn Bancshares, Inc. Stock Price Chart and Technical Analysis

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Hawthorn Bancshares, Inc. (HWBK) - Comprehensive Stock Analysis & Investment Research

Deep dive into Hawthorn Bancshares, Inc.'s business profile, financial performance, AI predictions, and competitive positioning to make informed investment decisions.

Analysis updated on August 12, 2026, 2:48 p.m. (UTC)

Hawthorn Bancshares, Inc. Investment Summary

When evaluating whether Hawthorn Bancshares, Inc. (HWBK) represents a compelling investment opportunity, investors must consider multiple factors including the company's financial health, market position, growth prospects, and what our AI-powered predictive models suggest about its near-term price trajectory.

Company Profile

Hawthorn Bancshares, Inc. (HWBK) operates within the Finance sector, specifically in the National Commercial Banks industry. . With a market capitalization of $274 million, the company is a small-cap stock that may offer higher growth potential but also carries higher volatility.

Financial Performance Analysis

Our comprehensive financial analysis covers Hawthorn Bancshares, Inc.'s revenue, profitability metrics, balance sheet strength, and cash flow generation...

AI Price Predictions

Get AI-powered 7-day, 30-day and 90-day price forecasts for Hawthorn Bancshares, Inc. along with confidence scores and detailed analysis...

Investment Considerations

Expert analysis of whether Hawthorn Bancshares, Inc. is suitable for your investment objectives, risk tolerance, and time horizon...

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Corporate Identity

Hawthorn Bancshares, Inc. (Stock Symbol: HWBK) is a prominent company operating within the Finance sector, with a specific focus on the National Commercial Banks industry. The company's shares are publicly traded on the Nasdaq exchange.

Leadership & Workforce

Detailed information about Hawthorn Bancshares, Inc.'s leadership team, workforce size, and organizational structure...

Market Classification

Market capitalization analysis and stock classification (mega-cap, large-cap, mid-cap, small-cap) for Hawthorn Bancshares, Inc....

Sector & Industry Analysis

In-depth sector dynamics and industry context for Hawthorn Bancshares, Inc....

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Revenue & Growth Analysis

Hawthorn Bancshares, Inc. generates annual revenues of $83 million , representing an emerging company in its growth phase.

Profitability Metrics

Net profit margin, gross margin, and operating margin analysis for Hawthorn Bancshares, Inc....

Market Valuation

P/E ratio, price-to-book, and valuation multiples for Hawthorn Bancshares, Inc....

Return Metrics

Return on equity (ROE), return on assets (ROA), and capital efficiency for Hawthorn Bancshares, Inc....

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Strategic Market Position

Hawthorn Bancshares, Inc. strategically competes in the highly dynamic National Commercial Banks marketplace. As a small-cap company, it represents an emerging market participant with potentially significant growth opportunities. Small-caps often offer greater growth potential as they capture market share and scale their operations, though this comes with higher risk and volatility. Success at this stage can lead to substantial returns for early investors who identify winning business models.

Industry Competitive Landscape

Hawthorn Bancshares, Inc. competes within the Finance sector, navigating the competitive dynamics and market forces specific to this industry. The company's competitive position depends on its ability to differentiate through product quality, cost efficiency, customer relationships, or other strategic advantages relevant to its specific market segment.

Operational Efficiency

The company shows positive operational efficiency through free cash flow generation of $28 million annually . Positive free cash flow indicates the business generates more cash than required for operations and capital investments, providing resources for growth initiatives or shareholder returns.

Asset Utilization Efficiency

Asset turnover ratio of 0.05x indicates lower asset turnover that may reflect the industry's capital-intensive nature or potentially underutilized assets. Companies with low turnover typically depend on strong margins to generate adequate returns on capital.

Financial Strength & Leverage

Hawthorn Bancshares, Inc. (HWBK) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for Hawthorn Bancshares, Inc. stock analysis.

Deep dive into Hawthorn Bancshares, Inc.'s financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if Hawthorn Bancshares, Inc. stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For Hawthorn Bancshares, Inc.: With a P/E ratio of 10.81, the market sees the stock as potentially undervalued.

P/E Ratio 10.81x
P/B Ratio 1.50x
Market Cap $274M
Dividend Yield 2.04%
EPS $1.16
Book Value/Share $26.51
Revenue/Share $12.11
FCF/Share $4.05
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently Hawthorn Bancshares, Inc. converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For Hawthorn Bancshares, Inc.: An ROE of 5.2% indicates room for improvement in shareholder value creation.

ROE 5.2%
ROA 0.5%
Net Margin 10.8%
EBT Margin 15.9%
Tax Rate 32.0%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess Hawthorn Bancshares, Inc.'s ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For Hawthorn Bancshares, Inc.:

D/E Ratio 8.70x
Financial Leverage 9.70x
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal Hawthorn Bancshares, Inc.'s ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For Hawthorn Bancshares, Inc.: Free cash flow of $28M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $38M
Free Cash Flow $28M
Capital Spending -$10M
FCF/Sales 33.4%
CapEx/Sales 12.2%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively Hawthorn Bancshares, Inc. uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For Hawthorn Bancshares, Inc.: An asset turnover of 0.05x suggests room for improvement in asset utilization.

Asset Turnover 0.05x
Fixed Assets Turnover 2.7x
Understanding Financial Statement Data

What these metrics mean: Key figures from Hawthorn Bancshares, Inc.'s income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For Hawthorn Bancshares, Inc.: With annual revenue of $83M, Hawthorn Bancshares, Inc. represents a smaller but potentially high-growth operation.

Income Statement
Total Revenue $83M
Net Income $9M
Balance Sheet Highlights (% Of Assets)
Cash & Short-term Investments 33%
Total Liabilities 1590%
Dividend & Shareholder Information
Dividends Per Share $0.81
Shares Outstanding 7M
Growth Metrics (YoY)
Net Income Growth 10.8%
EPS Growth 2.9%

Latest Hawthorn Bancshares, Inc. Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting Hawthorn Bancshares, Inc. (HWBK) stock price and investment outlook.

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Hawthorn Bancshares, Inc. Competitors & Peer Analysis - Finance Sector

Comparative analysis of Hawthorn Bancshares, Inc. against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast Market Cap (USD M) P/E Ratio P/B Ratio
ALRS ██% $836M 30.2x 1.4x
AMTB ██% $1.14B 20.2x 1.3x
AMUB ██% $89.21B x x
ASRV ██% $82M 15.0x 0.7x
ATLO ██% $280M 12.2x 1.3x
BAC ██% $449.15B 13.4x 1.5x
BANC ██% $3.04B x 0.9x
BANF ██% $3.82B 15.2x 2.0x
BCAL ██% $690M 11.5x 1.2x
BFC ██% $1.74B 21.5x 2.1x
BHRB ██% $1.48B 15.3x 1.2x
BOKF ██% $8.75B 13.5x 1.4x
C ██% $248.73B 17.4x 1.2x
CAC ██% $982M 11.1x 1.4x
CARE ██% $709M 5.5x 1.3x
CASH ██% $1.84B 10.5x 2.2x
CBKM ██% $97M 8.6x 1.1x
CBNA ██% $316M 11.9x 1.7x
CBNK ██% $614M 10.9x 1.5x
CCNB ██% $127M x 8.9x
CFBK ██% $225M 11.8x 1.2x
CFNB ██% $6M 0.2x 0.0x
CFR ██% $10.37B 15.2x 2.2x
CHCO ██% $2.06B 15.6x 2.5x
CMTV ██% $228M 12.8x 2.0x
COF ██% $134.96B 41.9x 1.2x
DCOM ██% $1.79B 13.9x 1.2x
ENBP ██% $165M 7.8x 1.0x
FCF ██% $2.18B 12.9x 1.4x
FDBC ██% $315M 10.3x 1.3x
FFBC ██% $3.53B 12.4x 1.2x
FHN ██% $12.08B 11.5x 1.3x
FIEE ██% $32M x x
FISI ██% $820M 9.9x 1.3x
FMCB ██% $958M 10.0x 1.4x
FNB ██% $6.81B 11.3x 1.0x
FNLC ██% $399M 10.6x 1.4x
FRME ██% $2.67B 13.5x 1.0x
FSUN ██% $2.01B 42.9x 1.1x
FULT ██% $4.64B 11.7x 1.2x
FUNC ██% $293M 11.7x 1.4x
HAFC ██% $948M 10.6x 1.2x
HBAN ██% $35.90B 16.3x 1.1x
HOPE ██% $1.82B 13.9x 0.8x
HWBK ██% $274M 10.8x 1.5x
JPM ██% $962.37B 14.8x 2.6x
KEY ██% $24.31B 12.0x 1.2x
LARK ██% $196M 10.2x 1.2x
LCNB ██% $282M 11.5x 1.0x
MFG ██% $127.18B 0.1x 0.0x
MRBK ██% $231M 10.7x 1.1x
NBHC ██% $1.91B 19.4x 1.2x
NBTB ██% $2.75B 12.8x 1.4x
NEWT ██% $368M 5.6x 0.9x
NIC ██% $3.65B 23.7x 1.6x
NKSH ██% $269M 15.3x 1.4x
NWBI ██% $2.29B 15.0x 1.2x
OCFC ██% $1.84B 38.5x 0.8x
ONB ██% $10.37B 13.7x 1.2x
OPHC ██% $114M 5.5x 0.8x
PFIS ██% $703M 12.4x 1.3x
PNBK ██% $136M x 1.5x
PNC ██% $102.45B 13.4x 1.6x
PRK ██% $3.68B 19.3x 2.1x
RF ██% $26.99B 12.1x 1.4x
SFNC ██% $3.42B x 1.0x
SFST ██% $606M 15.3x 1.3x
SHBI ██% $796M 12.0x 1.3x
SMBK ██% $888M 15.5x 1.5x
STEL ██% $2.00B 19.0x 1.2x
TBBK ██% $2.85B 12.3x 4.0x
TFC ██% $63.93B 11.2x 1.0x
TRMK ██% $2.77B 11.8x 1.3x
UBS ██% $179.58B x x
UMBF ██% $11.27B 12.0x 1.4x
USB ██% $99.80B 12.2x 1.5x
VABK ██% $254M 12.7x 1.4x
VLY ██% $8.19B 11.8x 1.0x
WABC ██% $1.36B 12.3x 1.6x
WAFD ██% $2.80B 10.9x 0.9x
WBHC ██% N/A x x
WBS ██% $12.77B 12.5x 1.3x
WFC ██% $265.95B 11.8x 1.5x
WSBC ██% $4.04B 11.3x 1.0x
WSFS ██% $4.21B 13.1x 1.5x
ZION ██% $10.37B 8.9x 1.4x
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Frequently Asked Questions - Hawthorn Bancshares, Inc. Stock Forecast

How accurate are Hawthorn Bancshares, Inc. stock predictions?

Our AI model shows a -5% Spearman correlation coefficient for HWBK predictions, based on advanced machine learning algorithms trained on over 10 years of market data. This measures the strength of the monotonic relationship between predicted and actual price movements.

What factors influence Hawthorn Bancshares, Inc. stock price forecasts?

Our analysis considers Hawthorn Bancshares, Inc.'s financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is Hawthorn Bancshares, Inc. a good investment in 2025?

Based on our AI analysis, Hawthorn Bancshares, Inc. shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are Hawthorn Bancshares, Inc. forecasts updated?

Hawthorn Bancshares, Inc. stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

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