Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Hawthorn Bancshares, Inc.'s quarterly P/E stands at 9.7x, down 9.8% year-over-year. EV/EBITDA has compressed 23.2% YoY to 9.1x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.99 | 9.69 | 8.82 | 8.37 | 9.17 | 10.74 | 9.63 | 7.50 | 8.11 | — | 10.98 | 12.47 | 12.22 |
| — | -9.8% | -8.4% | +11.6% | +13.1% | — | -12.3% | -39.8% | -33.6% | — | +52.5% | +34.3% | +100.7% | |
| P/S Ratio | 2.32 | 2.11 | 1.88 | 1.86 | 1.83 | 1.80 | 1.58 | 1.26 | 1.33 | 2.82 | 1.17 | 1.35 | 1.64 |
| — | +17.5% | +19.0% | +47.7% | +37.5% | -36.3% | +35.6% | -6.9% | -18.6% | +75.6% | -29.8% | -35.7% | -21.7% | |
| P/B Ratio | 1.51 | 1.40 | 1.32 | 1.30 | 1.29 | 1.32 | 1.19 | 1.00 | 1.06 | 1.31 | 0.97 | 1.00 | 1.23 |
| — | +6.1% | +10.3% | +29.8% | +21.8% | +0.6% | +23.6% | -0.3% | -14.2% | +13.5% | -21.6% | -24.9% | +3.2% | |
| P/FCF | 11.37 | 4.69 | — | 9.99 | 9.04 | 49.17 | 5.38 | 4.12 | 7.14 | 9.76 | 7.06 | 8.55 | 12.48 |
| — | -90.5% | — | +142.1% | +26.6% | +403.8% | -23.8% | -51.7% | -42.8% | +58.7% | +36.4% | -61.6% | -7.0% | |
| EV / EBITDA | 9.89 | 9.08 | 10.76 | 9.14 | 9.50 | 11.81 | 10.94 | 8.63 | 11.07 | — | 17.64 | 22.28 | 15.01 |
| — | -23.2% | -1.6% | +5.9% | -14.2% | — | -38.0% | -61.3% | -26.2% | — | +105.1% | +105.9% | +117.4% | |
| EV / EBIT | 10.65 | 9.75 | 11.54 | 9.88 | 10.27 | 12.31 | 11.89 | 9.33 | 12.02 | — | 20.70 | 26.15 | 17.05 |
| — | -20.8% | -2.9% | +5.9% | -14.6% | — | -42.6% | -64.3% | -29.5% | — | +121.2% | +120.0% | +131.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Hawthorn Bancshares, Inc.'s operating margin was 26.1% in Q4 2025, up 0.1 pp QoQ and up 5.5 pp YoY. Gross margin expanded 6.4% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 71.3% | 72.0% | 70.5% | 71.9% | 70.9% | 67.7% | 63.8% | 64.3% | 66.5% | 30.9% | 63.9% | 67.2% | 68.2% |
| — | +6.4% | +10.4% | +11.9% | +6.7% | +119.1% | -0.1% | -4.3% | -2.6% | -60.7% | -25.2% | -21.8% | -35.8% | |
| Operating Margin | 26.0% | 26.1% | 26.0% | 27.2% | 24.5% | 20.6% | 20.4% | 20.6% | 20.0% | -61.4% | 12.6% | 13.1% | 16.5% |
| — | +26.9% | +27.6% | +32.3% | +22.3% | +133.5% | +62.2% | +57.1% | +21.4% | -358.9% | -55.7% | -52.6% | -61.2% | |
| Net Margin | 21.2% | 21.4% | 21.3% | 22.2% | 20.0% | 16.7% | 16.6% | 16.8% | 16.5% | -47.1% | 10.5% | 10.8% | 13.6% |
| — | +27.9% | +28.4% | +32.2% | +21.5% | +135.6% | +57.4% | +55.2% | +21.4% | -328.2% | -54.3% | -52.3% | -60.7% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 14.7% | 3.6% | 3.8% | 3.9% | 3.6% | 3.1% | 3.2% | 3.4% | 3.3% | -5.8% | 2.1% | 2.0% | 2.6% |
| — | +17.4% | +18.6% | +16.8% | +8.7% | +153.1% | +52.5% | +68.4% | +27.8% | -250.3% | -48.8% | -42.4% | -45.2% | |
| ROA | 1.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | -0.4% | 0.1% | 0.1% | 0.2% |
| — | +27.8% | +28.7% | +29.0% | +20.8% | +163.8% | +83.2% | +87.3% | +40.3% | -258.2% | -49.6% | -47.3% | -53.8% | |
| ROIC | 7.1% | 1.6% | 1.5% | 1.6% | 1.6% | 1.5% | 1.4% | 1.5% | 1.4% | -2.5% | 0.7% | 0.7% | 1.1% |
| — | +6.3% | +4.3% | +13.4% | +17.2% | +158.7% | +99.2% | +96.5% | +29.1% | -262.0% | -60.3% | -53.1% | -50.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Hawthorn Bancshares, Inc.'s Debt/EBITDA ratio is 19.2x, down from 28.6x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 35.2% YoY to 0.11x, tightening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.89 | 0.89 | 1.39 | 1.23 | 1.15 | 0.89 | 1.01 | 1.08 | 1.17 | 1.16 | 1.43 | 1.74 | 1.16 |
| — | +0.6% | +37.8% | +13.3% | -1.5% | -23.4% | -29.3% | -37.9% | +0.6% | -4.3% | +26.7% | +71.6% | +16.4% | |
| Debt / EBITDA | 4.96 | 19.18 | 28.56 | 23.84 | 24.77 | 22.54 | 24.18 | 24.44 | 27.13 | — | 46.81 | 61.03 | 32.98 |
| — | -14.9% | +18.1% | -2.5% | -8.7% | — | -48.3% | -59.9% | -17.7% | — | +137.3% | +190.3% | +113.5% | |
| Current Ratio | 0.11 | 0.11 | 0.15 | 0.15 | 0.15 | 0.18 | 0.18 | 0.17 | 0.15 | 0.18 | 0.17 | 0.18 | 0.19 |
| — | -35.2% | -16.8% | -11.7% | -1.7% | -4.6% | +4.0% | -5.3% | -17.8% | -12.3% | -8.5% | -7.7% | -21.2% | |
| Quick Ratio | 0.11 | 0.11 | 0.15 | 0.15 | 0.15 | 0.18 | 0.18 | 0.17 | 0.15 | 0.18 | 0.17 | 0.18 | 0.19 |
| — | -35.2% | -16.8% | -11.7% | -1.7% | -4.6% | +4.0% | -5.3% | -17.8% | -12.3% | -8.5% | -7.7% | -21.2% | |
| Interest Coverage | 0.92 | 0.98 | 0.92 | 0.96 | 0.81 | 0.66 | 0.59 | 0.60 | 0.58 | -1.04 | 0.35 | 0.40 | 0.57 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Hawthorn Bancshares, Inc.'s current P/E is 11.0x. The average P/E over the last 4 quarters is 9.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Hawthorn Bancshares, Inc.'s current operating margin is 26.0%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Hawthorn Bancshares, Inc.'s business trajectory between earnings reports.