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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
61% of the 1266 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 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 higher than
54% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 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
Interest Coverage 1.17
HWBK's Interest Coverage is ranked higher than
65% of the 1508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. HWBK: 1.17 )
HWBK' s 10-Year Interest Coverage Range
Min: 0.3   Max: 1.17
Current: 1.17

0.3
1.17
F-Score: 6
Z-Score: 0.15
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
Operating margin (%) 14.74
HWBK's Operating margin (%) is ranked higher than
55% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.46 vs. HWBK: 14.74 )
HWBK' s 10-Year Operating margin (%) Range
Min: -229.26   Max: 40.21
Current: 14.74

-229.26
40.21
Net-margin (%) 9.91
HWBK's Net-margin (%) is ranked higher than
55% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. HWBK: 9.91 )
HWBK' s 10-Year Net-margin (%) Range
Min: -66.46   Max: 168.18
Current: 9.91

-66.46
168.18
ROE (%) 6.69
HWBK's ROE (%) is ranked higher than
69% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. HWBK: 6.69 )
HWBK' s 10-Year ROE (%) Range
Min: -28.78   Max: 10.36
Current: 6.69

-28.78
10.36
ROA (%) 0.44
HWBK's ROA (%) is ranked higher than
60% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. HWBK: 0.44 )
HWBK' s 10-Year ROA (%) Range
Min: -2.39   Max: 1.35
Current: 0.44

-2.39
1.35
ROC (Joel Greenblatt) (%) 19.42
HWBK's ROC (Joel Greenblatt) (%) is ranked higher than
55% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. HWBK: 19.42 )
HWBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -128.52   Max: 74.26
Current: 19.42

-128.52
74.26
Revenue Growth (%) -2.10
HWBK's Revenue Growth (%) is ranked higher than
66% of the 1452 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: 102.1
Current: -2.1

-2.1
102.1
» 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

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 9.60
HWBK's P/E(ttm) is ranked higher than
90% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. HWBK: 9.60 )
HWBK' s 10-Year P/E(ttm) Range
Min: 8.67   Max: 94.06
Current: 9.6

8.67
94.06
P/B 0.85
HWBK's P/B is ranked higher than
86% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. HWBK: 0.85 )
HWBK' s 10-Year P/B Range
Min: 0.34   Max: 1.77
Current: 0.85

0.34
1.77
P/S 1.46
HWBK's P/S is ranked higher than
91% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.11 vs. HWBK: 1.46 )
HWBK' s 10-Year P/S Range
Min: 0.5   Max: 4.77
Current: 1.46

0.5
4.77
PFCF 5.45
HWBK's PFCF is ranked higher than
91% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 109.09 vs. HWBK: 5.45 )
HWBK' s 10-Year PFCF Range
Min: 1.22   Max: 13.92
Current: 5.45

1.22
13.92
EV-to-EBIT 10.67
HWBK's EV-to-EBIT is ranked higher than
86% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.74 vs. HWBK: 10.67 )
HWBK' s 10-Year EV-to-EBIT Range
Min: 9.8   Max: 80.8
Current: 10.67

9.8
80.8

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.44
HWBK's Dividend Yield is ranked lower than
70% of the 1413 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.42 vs. HWBK: 1.44 )
HWBK' s 10-Year Dividend Yield Range
Min: 1.38   Max: 8.41
Current: 1.44

1.38
8.41
Dividend Payout 0.14
HWBK's Dividend Payout is ranked higher than
92% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.48 vs. HWBK: 0.14 )
HWBK' s 10-Year Dividend Payout Range
Min: 0.13   Max: 4.6
Current: 0.14

0.13
4.6
Dividend growth (3y) -4.60
HWBK's Dividend growth (3y) is ranked higher than
64% of the 979 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. HWBK: -4.60 )
HWBK' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 12.5
Current: -4.6

0
12.5
Yield on cost (5-Year) 0.59
HWBK's Yield on cost (5-Year) is ranked lower than
88% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. HWBK: 0.59 )
HWBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.55   Max: 3.33
Current: 0.59

0.55
3.33

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.88
HWBK's Price/Tangible Book is ranked higher than
87% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. HWBK: 0.88 )
HWBK' s 10-Year Price/Tangible Book Range
Min: 0.4   Max: 2.6
Current: 0.88

0.4
2.6
Price/DCF (Projected) 0.34
HWBK's Price/DCF (Projected) is ranked higher than
92% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. HWBK: 0.34 )
HWBK' s 10-Year Price/DCF (Projected) Range
Min: 0.13   Max: 0.68
Current: 0.34

0.13
0.68
Price/Median PS Value 1.04
HWBK's Price/Median PS Value is ranked higher than
80% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. HWBK: 1.04 )
HWBK' s 10-Year Price/Median PS Value Range
Min: 0.39   Max: 4.02
Current: 1.04

0.39
4.02
Price/Graham Number 0.60
HWBK's Price/Graham Number is ranked higher than
90% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. HWBK: 0.60 )
HWBK' s 10-Year Price/Graham Number Range
Min: 0.35   Max: 1.45
Current: 0.6

0.35
1.45
Earnings Yield (Greenblatt) 9.40
HWBK's Earnings Yield (Greenblatt) is ranked higher than
81% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. HWBK: 9.40 )
HWBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 10.2
Current: 9.4

1.2
10.2
Forward Rate of Return (Yacktman) 17.76
HWBK's Forward Rate of Return (Yacktman) is ranked higher than
76% of the 1309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. HWBK: 17.76 )
HWBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 7   Max: 51
Current: 17.76

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.
» 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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Hawthorn Bancshares Announces Second Quarter Earnings Aug 14 2014
HAWTHORN BANCSHARES, INC. Files SEC form 10-Q, Quarterly Report Aug 14 2014
HAWTHORN BANCSHARES, INC. Files SEC form 8-K, Other Events Aug 07 2014
Hawthorn Bancshares Announces Cash Dividend Aug 07 2014
HAWTHORN BANCSHARES, INC. Files SEC form 8-K, Change in Directors or Principal Officers Aug 01 2014
Hawthorn Bancshares Announces Directorate Appointment Jul 28 2014
HAWTHORN BANCSHARES, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Jun 05 2014
Hawthorn Bancshares Announces Results of 2014 Annual Meeting Jun 04 2014
HAWTHORN BANCSHARES, INC. Files SEC form 8-K, Other Events May 23 2014
Hawthorn Bancshares Announces Stock Dividend May 21 2014
HAWTHORN BANCSHARES, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... May 16 2014
Hawthorn Bancshares reports Q1 EPS 39c vs. (9c) a year ago May 15 2014
Hawthorn Bancshares Reports First Quarter Earnings May 15 2014
HAWTHORN BANCSHARES, INC. Files SEC form 10-Q, Quarterly Report May 15 2014
HAWTHORN BANCSHARES, INC. Files SEC form 8-K, Other Events May 12 2014
Hawthorn Bancshares Announces Cash Dividend May 08 2014
HAWTHORN BANCSHARES, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 01 2014

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