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GuruFocus Financial Strength Rank measures how strong a company’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 : 4/10

vs
industry
vs
history
Cash to Debt 0.37
HWBK's Cash to Debt is ranked higher than
60% of the 1274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. HWBK: 0.37 )
HWBK' s 10-Year Cash to Debt Range
Min: 0.14   Max: No Debt
Current: 0.37

Equity to Asset 0.07
HWBK's Equity to Asset is ranked lower than
53% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. HWBK: 0.07 )
HWBK' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.11
Current: 0.07

0.06
0.11
F-Score: 4
Z-Score: 0.14
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’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.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

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 : 5/10

vs
industry
vs
history
Revenue Growth (%) -2.10
HWBK's Revenue Growth (%) is ranked higher than
69% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. HWBK: -2.10 )
HWBK' s 10-Year Revenue Growth (%) Range
Min: -2.1   Max: 15.5
Current: -2.1

-2.1
15.5
» HWBK's 10-Y Financials

Financials


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

» Details

Guru Trades

HWBK Guru Trades in

HWBK Guru Trades in

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!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.90
HWBK's P/E(ttm) is ranked higher than
60% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. HWBK: 15.90 )
HWBK' s 10-Year P/E(ttm) Range
Min: 10.88   Max: 93.99
Current: 15.9

10.88
93.99
P/B 0.93
HWBK's P/B is ranked higher than
71% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. HWBK: 0.93 )
HWBK' s 10-Year P/B Range
Min: 0.34   Max: 1.99
Current: 0.93

0.34
1.99
P/S 1.38
HWBK's P/S is ranked higher than
87% of the 1640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. HWBK: 1.38 )
HWBK' s 10-Year P/S Range
Min: 0.5   Max: 5.53
Current: 1.38

0.5
5.53
PFCF 3.95
HWBK's PFCF is ranked higher than
78% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. HWBK: 3.95 )
HWBK' s 10-Year PFCF Range
Min: 1.22   Max: 19
Current: 3.95

1.22
19
EV-to-EBIT 19.29
HWBK's EV-to-EBIT is ranked higher than
56% of the 1410 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.82 vs. HWBK: 19.29 )
HWBK' s 10-Year EV-to-EBIT Range
Min: 9.9   Max: 80.8
Current: 19.29

9.9
80.8
PEG 2.30
HWBK's PEG is ranked higher than
50% of the 849 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. HWBK: 2.30 )
HWBK' s 10-Year PEG Range
Min: 0.56   Max: 7.22
Current: 2.3

0.56
7.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.50
HWBK's Dividend Yield is ranked lower than
71% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. HWBK: 1.50 )
HWBK' s 10-Year Dividend Yield Range
Min: 1.38   Max: 8.43
Current: 1.5

1.38
8.43
Dividend Payout 0.16
HWBK's Dividend Payout is ranked higher than
76% of the 1131 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. HWBK: 0.16 )
HWBK' s 10-Year Dividend Payout Range
Min: 0.13   Max: 4.8
Current: 0.16

0.13
4.8
Dividend growth (3y) -4.50
HWBK's Dividend growth (3y) is ranked higher than
60% of the 810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. HWBK: -4.50 )
HWBK' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 12.5
Current: -4.5

0
12.5
Yield on cost (5-Year) 0.26
HWBK's Yield on cost (5-Year) is ranked lower than
91% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. HWBK: 0.26 )
HWBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.24   Max: 1.47
Current: 0.26

0.24
1.47

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.97
HWBK's Price/Tangible Book is ranked higher than
77% of the 1362 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. HWBK: 0.97 )
HWBK' s 10-Year Price/Tangible Book Range
Min: 0.4   Max: 2.59
Current: 0.97

0.4
2.59
Price/DCF (Projected) 0.35
HWBK's Price/DCF (Projected) is ranked higher than
85% of the 904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. HWBK: 0.35 )
HWBK' s 10-Year Price/DCF (Projected) Range
Min: 0.13   Max: 0.68
Current: 0.35

0.13
0.68
Price/Median PS Value 0.84
HWBK's Price/Median PS Value is ranked higher than
85% of the 1478 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. HWBK: 0.84 )
HWBK' s 10-Year Price/Median PS Value Range
Min: 0.33   Max: 3.4
Current: 0.84

0.33
3.4
Price/Graham Number 0.77
HWBK's Price/Graham Number is ranked higher than
70% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. HWBK: 0.77 )
HWBK' s 10-Year Price/Graham Number Range
Min: 0.35   Max: 1.45
Current: 0.77

0.35
1.45
Earnings Yield (Greenblatt) 5.20
HWBK's Earnings Yield (Greenblatt) is ranked higher than
62% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. HWBK: 5.20 )
HWBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 10.1
Current: 5.2

1.2
10.1
Forward Rate of Return (Yacktman) 16.76
HWBK's Forward Rate of Return (Yacktman) is ranked higher than
77% of the 1095 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.48 vs. HWBK: 16.76 )
HWBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.7   Max: 51
Current: 16.76

6.7
51

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Hawthorn Bancshares, Inc. is a community-based, financial institution bank holding company. The Company 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. 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. The bank is a full service bank conducting a general banking and trust business, offering its customers checking and savings accounts, internet banking, debit cards, certificates of deposit, trust services, brokerage services, safety deposit boxes and a wide range of lending services, including commercial and industrial loans, single payment personal loans, installment loans and commercial and residential real estate loans. The Company 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. Bank's competitors include other commercial banks, thrifts, savings banks, credit unions and money market mutual funds. Banks and bank holding companies such as Hawthorn are subject to regulation by both federal and state bank regulatory agencies.

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