Hawthorn Bancshares, Inc. (HWBK)
Valuation Overview•Is Hawthorn Bancshares, Inc. Overvalued or Undervalued?
Popular:
Good quality — competent with room to improve
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | — | $0.98 | — | ||
| Q1'26 | — | $0.88 | — | ||
| Q1'26 | — | $0.90 | — | ||
| Q4'25 | — | $0.88 | — | ||
| Q3'25 | — | $0.88 | — | ||
| Q2'25 | — | $0.77 | — | ||
| Q1'25 | — | $0.66 | — | ||
| Q1'25 | — | $-1.05 | — |
Total return, benchmark alpha, and annual history in one section.
3Y, 5Y, and 10Y use CAGR when available.
| Period | Return | vs S&P | Dividends |
|---|---|---|---|
| YTD | +12.0% | +3.4% | — |
| 1Y | +35.8% | +13.0% | +2.9% |
| 3YCAGR | +30.7% | +10.2% | +12.6% |
| 5YCAGR | +14.3% | +2.0% | +16.4% |
| 10YCAGR | +14.9% | +1.1% | — |
Year-by-year total return versus SPY, including dividend contribution.
| Year | Stock Return | SPY Return | Alpha | Dividends |
|---|---|---|---|---|
| 2026YTD | -1.9% | +0.4% | -2.3% | +0.6% |
| 2025 | +19.4% | +16.6% | +2.7% | +2.6% |
| 2024 | +14.1% | +24.0% | -9.9% | +2.9% |
| 2023 | +19.6% | +24.8% | -5.2% | +3.1% |
| 2022Worst | -10.3% | -19.9% | +9.7% | +2.6% |
| 2021Best | +29.4% | +28.8% | +0.7% | +2.8% |
| 2020 | -8.9% | +15.1% | -23.9% | +2.1% |
| 2019 | +26.4% | +28.7% | -2.3% | +2.4% |
The S&P 500 is at 31.1x trailing P/E — Expensive relative to historical averages.
Based on our multi-model analysis of Hawthorn Bancshares, Inc. (HWBK) at $37.70: Relative valuation verdict: Slightly Undervalued vs industry peers. Fundamental quality score: 55/100 (moderate). This is a quantitative summary combining DCF intrinsic value, peer-based relative valuation, quality scoring, and analyst consensus — not a buy/sell recommendation. Always consult a qualified financial advisor before investing.
Hawthorn Bancshares, Inc. has multiple fair value estimates from different frameworks: Relative fair value: $38.20 (Slightly Undervalued, +9.4% vs current price). We recommend comparing all three lenses — when DCF, relative, and analyst targets converge, the signal is stronger. When they diverge, investigate what assumptions differ.
Hawthorn Bancshares, Inc.'s financial health as measured by our composite scoring: Overall quality score: 55/100. Piotroski F-Score: 6/9 (moderate). Return on invested capital: 7.1%. Cash conversion (OCF/NI): 1.13x (earnings are cash-backed). The quality score blends profitability (ROIC, ROE, margins), solvency (leverage, coverage, Z-Score), and growth trajectory into a single 0–100 framework updated end-of-day.
Hawthorn Bancshares, Inc.'s performance profile: 1-year total return: +35.8%. 1-year alpha vs S&P 500: +13.0% (outperforming the benchmark). 5-year CAGR: +14.3%. Maximum drawdown (1Y): -13.7%. Relative Strength rating: 68/99 (average momentum). Beta: 0.35 (less volatile than the market). Total returns include reinvested dividends. Alpha is calculated against the S&P 500 Total Return Index over matching periods.
Current dividend yield: 2.1%. Annual dividend per share: $0.78. Payout ratio: 23% (well-covered). Consecutive years of growth: 14 (Dividend Contender). 5-year dividend CAGR: +10.7%. Buyback yield: 1.1% (hybrid return program). Total shareholder yield (dividends + buybacks): 3.2%.
No analyst coverage data available for HWBK.
Key risks identified for Hawthorn Bancshares, Inc.: No significant risk flags detected in the current quantitative assessment. Note: This model does not capture regulatory changes, management decisions, competitive disruption, or geopolitical events. Macro and qualitative risks remain material and should be assessed independently.
No. This overview dashboard aggregates data from our DCF intrinsic value model, relative peer multiples model, proprietary estimates engine, and third-party analyst consensus feeds. It is strictly for educational and informational purposes. The operator of this platform is not a registered investment advisor (RIA), broker-dealer, or financial planner. All model outputs, fair value estimates, quality scores, and signals are automated quantitative computations and should not be construed as investment recommendations. Consult a qualified, licensed financial advisor before making any investment decisions. Past model performance does not guarantee future results.