HWBK vs QCRH

For growth investors, Hawthorn Bancshares, Inc.

(HWBK) is the stronger pick with 2. 2% revenue growth year-over-year, versus 1. 5% for QCR Holdings, Inc. (QCRH). Hawthorn Bancshares, Inc. (HWBK) offers the better valuation at 11. 0x trailing P/E, making it the more compelling value choice. Analysts rate QCR Holdings, Inc. (QCRH) a "Buy" — based on 8 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Hawthorn Bancshares, Inc.

(HWBK) is the cheapest at 11. 0x versus QCR Holdings, Inc. at 12. 8x.

Over the past 5 years, QCR Holdings, Inc.

(QCRH) delivered a total return of +107. 4%, compared to +95. 3% for Hawthorn Bancshares, Inc. (HWBK). Over 10 years, the gap is even starker: HWBK returned +301. 1% versus QCRH's +254. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Hawthorn Bancshares, Inc.

(HWBK) is the lower-risk stock at 0. 35β versus QCR Holdings, Inc. 's 0. 83β — meaning QCRH is approximately 139% more volatile than HWBK relative to the S&P 500. On balance sheet safety, QCR Holdings, Inc. (QCRH) carries a lower debt/equity ratio of 56% versus 89% for Hawthorn Bancshares, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Hawthorn Bancshares, Inc.

(HWBK) is pulling ahead at 2. 2% versus 1. 5% for QCR Holdings, Inc. (QCRH). On earnings-per-share growth, the picture is similar: Hawthorn Bancshares, Inc. grew EPS 31. 4% year-over-year, compared to 12. 1% for QCR Holdings, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

QCR Holdings, Inc.

(QCRH) is the more profitable company, earning 21. 3% net margin versus 21. 2% for Hawthorn Bancshares, Inc. — meaning it keeps 21. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HWBK leads at 26. 0% versus 22. 8% for QCRH. At the gross margin level — before operating expenses — HWBK leads at 71. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

All stocks in this comparison pay dividends.

Hawthorn Bancshares, Inc. (HWBK) offers the highest yield at 2. 1%, versus 0. 3% for QCR Holdings, Inc. (QCRH).

For long-horizon retirement investors, Hawthorn Bancshares, Inc.

(HWBK) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 35), 2. 1% yield, +301. 1% 10Y return). Both have compounded well over 10 years (HWBK: +301. 1%, QCRH: +254. 2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

HWBK pays a dividend while QCRH does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.