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11.7 (1y: +32%)
Market Cap 58.68 M P/E(ttm) 54.70
Enterprise Value 146.29 M P/B 0.80
HWBK- NAS (USA)
Hawthorn Bancshares, Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$11.70
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GuruFocus Financial Strength Rank measures how strong a companyย’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry		 vs
history
Cash to Debt 1.19
HWBK's Cash to Debt is ranked higher than
75% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. HWBK: 1.19 )
HWBK' s 10-Year Cash to Debt Range
Min: 0.19   Max: 1.73
Current: 1.19
0.19
1.73
Equity to Asset 0.078
HWBK's Equity to Asset is ranked higher than
55% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. HWBK: 0.078 )
HWBK' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.11
Current: 0.08
0.08
0.11
Interest Coverage No Debt
HWBK's Interest Coverage is ranked higher than
76% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. HWBK: No Debt )
HWBK' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.24
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry		 vs
history
Operating margin (%) 6.60
HWBK's Operating margin (%) is ranked higher than
53% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.80 vs. HWBK: 6.60 )
HWBK' s 10-Year Operating margin (%) Range
Min: -77.6   Max: 40.2
Current: 6.6
-77.6
40.2
Net-margin (%) 5.5
HWBK's Net-margin (%) is ranked higher than
50% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.70 vs. HWBK: 5.5 )
HWBK' s 10-Year Net-margin (%) Range
Min: -64.6   Max: 27.5
Current: 5.5
-64.6
27.5
ROE (%) 3.1
HWBK's ROE (%) is ranked higher than
58% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. HWBK: 3.1 )
HWBK' s 10-Year ROE (%) Range
Min: -28.8   Max: 10.4
Current: 3.1
-28.8
10.4
ROA (%) 0.2
HWBK's ROA (%) is ranked higher than
54% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. HWBK: 0.2 )
HWBK' s 10-Year ROA (%) Range
Min: -2.4   Max: 1
Current: 0.2
-2.4
1
EBITDA Growth (%) -9.6
HWBK's EBITDA Growth (%) is ranked lower than
64% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HWBK: -9.6 )
HWBK' s 10-Year EBITDA Growth (%) Range
Min: -17.7   Max: 11.4
Current: -9.6
-17.7
11.4
EPS Growth (%) -23.5
HWBK's EPS Growth (%) is ranked lower than
67% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HWBK: -23.5 )
HWBK' s 10-Year EPS Growth (%) Range
Min: -27.4   Max: 12
Current: -23.5
-27.4
12
ยป HWBK's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades
Q4 2011

HWBK Guru Trades in Q4 2011

Chuck Royce 27,458 sh (-31.26%)
» More
Q1 2012

HWBK Guru Trades in Q1 2012

Chuck Royce 27,458 sh (unchged)
» More
Q2 2012

HWBK Guru Trades in Q2 2012

Chuck Royce 23,056 sh (-19.26%)
» More
Q3 2012

HWBK Guru Trades in Q3 2012

Chuck Royce Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with HWBK



No Insider Trades Found!
ยป Financial Charts

Peter Lynch Chart

Ratios

vs
industry		 vs
history
P/E(ttm) 54.70
HWBK's P/E(ttm) is ranked lower than
66% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.60 vs. HWBK: 54.70 )
HWBK' s 10-Year P/E(ttm) Range
Min: 9.67   Max: 91.3
Current: 54.7
9.67
91.3
P/B 0.80
HWBK's P/B is ranked higher than
75% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. HWBK: 0.80 )
HWBK' s 10-Year P/B Range
Min: 0.34   Max: 2.01
Current: 0.8
0.34
2.01
P/S 1.16
HWBK's P/S is ranked higher than
87% of the 1433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.33 vs. HWBK: 1.16 )
HWBK' s 10-Year P/S Range
Min: 0.5   Max: 5.53
Current: 1.16
0.5
5.53
PFCF 3.90
HWBK's PFCF is ranked higher than
74% of the 1087 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.38 vs. HWBK: 3.90 )
HWBK' s 10-Year PFCF Range
Min: 1.22   Max: 19
Current: 3.9
1.22
19
EV-to-EBIT 100
HWBK's EV-to-EBIT is ranked lower than
68% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.26 vs. HWBK: 100 )
HWBK' s 10-Year EV-to-EBIT Range
Min: 5.1   Max: 80.8
Current: 100
5.1
80.8
Shiller P/E 60.2
HWBK's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. HWBK: 60.2 )
HWBK' s 10-Year Shiller P/E Range
Min: 6.06   Max: 61.2
Current: 60.2
6.06
61.2

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 1.66
HWBK's Dividend Yield is ranked higher than
51% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. HWBK: 1.66 )
HWBK' s 10-Year Dividend Yield Range
Min: 1.41   Max: 8.43
Current: 1.66
1.41
8.43
Dividend Payout 0.6
HWBK's Dividend Payout is ranked higher than
50% of the 951 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.30 vs. HWBK: 0.6 )
HWBK' s 10-Year Dividend Payout Range
Min: 0.28   Max: 0.46
Current: 0.6
0.28
0.46
Dividend growth (3y) -19.6
HWBK's Dividend growth (3y) is ranked lower than
61% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HWBK: -19.6 )
HWBK' s 10-Year Dividend growth (3y) Range
Min: -28.2   Max: 9.2
Current: -19.6
-28.2
9.2
Yield on cost (5-Year) 0.30
HWBK's Yield on cost (5-Year) is ranked lower than
60% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. HWBK: 0.30 )
HWBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.25   Max: 1.47
Current: 0.3
0.25
1.47

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.8
HWBK's Price/Tangible Book is ranked higher than
82% of the 1191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. HWBK: 0.8 )
HWBK' s 10-Year Price/Tangible Book Range
Min: 0.4   Max: 2.5
Current: 0.8
0.4
2.5
Price/DCF (Projected) 0.3
HWBK's Price/DCF (Projected) is ranked higher than
89% of the 679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. HWBK: 0.3 )
HWBK' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 0.5
Current: 0.3
0.1
0.5
Price/Median PS Value 0.5
HWBK's Price/Median PS Value is ranked higher than
94% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. HWBK: 0.5 )
HWBK' s 10-Year Price/Median PS Value Range
Min: 0.2   Max: 1.8
Current: 0.5
0.2
1.8
Price/Graham Number 0.8
HWBK's Price/Graham Number is ranked higher than
60% of the 1094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. HWBK: 0.8 )
HWBK' s 10-Year Price/Graham Number Range
Min: 0.4   Max: 1.4
Current: 0.8
0.4
1.4
Earnings Yield (Greenblatt) 1.00
HWBK's Earnings Yield (Greenblatt) is ranked higher than
54% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.10 vs. HWBK: 1.00 )
HWBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1   Max: 19.5
Current: 1
1
19.5
Forward Rate of Return (Yacktman) 20.37
HWBK's Forward Rate of Return (Yacktman) is ranked higher than
87% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HWBK: 20.37 )
HWBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 8.9   Max: 51.2
Current: 20.37
8.9
51.2

Business Description

Hawthorn Bancshares, Inc. is a community-based, financial institution bank holding company. Hawthorn was incorporated under the laws of the State of Missouri on October 23, 1992 as Exchange National Bancshares, Inc. and changed its name to Hawthorn Bancshares, Inc. in August 2007. Hawthorn owns all of the issued and outstanding capital stock of Union State Bancshares, Inc., which in turn owns all of the issued and outstanding capital stock of Hawthorn Bank. The company owns all of the issued and outstanding capital stock of Union State Bancshares, Inc., which in turn owns all of the issued and outstanding capital stock of Hawthorn Bank. Through its branch network, it provides a range of commercial and personal banking services, including certificates of deposit, individual retirement and other time deposit accounts, checking and other demand deposit accounts, interest checking accounts, savings accounts, and money market accounts. It also provides a range of lending services, including real estate, commercial, installment, and other consumer loans. Other financial services that it provides include automatic teller machines, trust services, credit related insurance, and safe deposit boxes. The bank primarily provides its products and services to the state of Missouri.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for HWBK

Headlines

Articles On GuruFocus.com
Hawthorn Bancshares Inc. Reports Operating Results (10-Q) Nov 09 2010 
Hawthorn Bancshares Inc. Reports Operating Results (10-Q) Aug 13 2010 
Hawthorn Bancshares Inc. Reports Operating Results (10-Q) May 17 2010 
Hawthorn Bancshares Inc. Reports Operating Results (10-Q) Nov 09 2009 
Hawthorn Bancshares Announces Increased Earnings Aug 03 2009 
Hawthorn Bancshares Inc. Reports Operating Results (10-Q) May 08 2009 

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