Hawthorn Bancshares (Hawthorn Bancshares) Cash-to-Debt : 0.27 (As of Mar. 2024)

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What is Hawthorn Bancshares Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Hawthorn Bancshares's cash to debt ratio for the quarter that ended in Mar. 2024 was 0.27.

If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Hawthorn Bancshares couldn't pay off its debt using the cash in hand for the quarter that ended in Mar. 2024.

The historical rank and industry rank for Hawthorn Bancshares's Cash-to-Debt or its related term are showing as below:

HWBK' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.12 Med: 0.2 Max: 1.23
Current: 0.27

During the past 13 years, Hawthorn Bancshares's highest Cash to Debt Ratio was 1.23. The lowest was 0.12. And the median was 0.20.

HWBK's Cash-to-Debt is ranked worse than
84% of 1425 companies
in the Banks industry
Industry Median: 1.3 vs HWBK: 0.27

Hawthorn Bancshares Cash-to-Debt Historical Data

The historical data trend for Hawthorn Bancshares's Cash-to-Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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Hawthorn Bancshares Cash-to-Debt Chart

Hawthorn Bancshares Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Cash-to-Debt

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0.23

0.18

1.23

0.58

0.59

Hawthorn Bancshares Quarterly Data
	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Cash-to-Debt	Get a 7-Day Free Trial															0.25	0.12	0.18	0.59	0.27

Competitive Comparison of Hawthorn Bancshares's Cash-to-Debt

For the Banks - Regional subindustry, Hawthorn Bancshares's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Hawthorn Bancshares's Cash-to-Debt Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Hawthorn Bancshares's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Hawthorn Bancshares's Cash-to-Debt falls into.

Hawthorn Bancshares Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

Hawthorn Bancshares's Cash to Debt Ratio for the fiscal year that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	93.45	/	(0	+	157.699)
	=	0.59

Hawthorn Bancshares's Cash to Debt Ratio for the quarter that ended in Mar. 2024 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	43.498	/	(0	+	159.649)
	=	0.27

Hawthorn Bancshares (NAS:HWBK) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

Hawthorn Bancshares Cash-to-Debt Related Terms

Thank you for viewing the detailed overview of Hawthorn Bancshares's Cash-to-Debt provided by GuruFocus.com. Please click on the following links to see related term pages.

Hawthorn Bancshares (Hawthorn Bancshares) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Hawthorn Bancshares Inc (NAS:HWBK) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

132 East High Street, Box 688, Jefferson City, MO, USA, 65101

Website

https://www.hawthornbancshares.com

Hawthorn Bancshares Inc is a financial holding company. It conducts a general banking and trust business, offering its customers checking and savings accounts, internet banking, certificates of deposit, trust services, brokerage services, safety deposit boxes. The company also offers a range of lending services, including commercial and industrial loans, single payment personal loans, installment loans, and commercial and residential real estate loans.

Executives

Douglas Todd Eden	director	13029 SORRENTO WAY,, BRADENTON FL 34211
Christopher Eugene Hafner	officer: Sr. VP/Chief Financial Officer	PO BOX 688, JEFFERSON CITY MO 65102-0688
Jason E Schwartz	officer: SR VP/SR CREDIT OFFICER	PO BOX 688, JEFFERSON CITY MO 65102-0688
Gregg A. Bexten	director, officer: PRESIDENT	132 E. HIGH STREET, JEFFERSON CITY MO 65101
Brent M Giles	director, officer: CHIEF EXECUTIVE OFFICER	C/O HAWTHORN BANCSHARES, INC., PO BOX 688, JEFFERSON CITY MO 65102-0688
David T Turner	director, officer: Chairman, President, CEO	C/O HAWTHORN BANK, PO BOX 688, JEFFERSON CITY MO 65102-0688
Shawna M. Hettinger	director	132 EAST HIGH STREET, BOX 688, JEFFERSON CITY MO 65102
Philip D Freeman	director	C/O HAWTHORN BANCSHARES, INC., PO BOX 688, JEFFERSON CITY MO 65102-0688
Jonathan L States	director	132 EAST HIGH STREET, BOX 688, JEFFERSON CITY MO 65102
Frank E. Burkhead	director	C/O HAWTHORN BANCSHARES, INC., PO BOX 688, JEFFERSON CITY MO 65102-0688
Stephen Edward Guthrie	officer: Senior VP and CFO	C/O HAWTHORN BANCSHARES, INC., PO BOX 688, JEFFERSON CITY MO 65102-0688
Jonathan Holtaway	director	C/O HAWTHORN BANCSHARES, INC., PO BOX 688, JEFFERSON CITY MO 65102-0688
Kathleen L Bruegenhemke	officer: Senior Vice President	C/O HAWTHORN BANCSHARES, INC., PO BOX 688, JEFFERSON CITY MO 65102-0688
Kevin L Riley	director	C/O HAWTHORN BANCSHARES, INC., PO BOX 688, JEFFERSON CITY MO 65102-0688
Wetzel Gus Seitter Iii	director	C/O HAWTHORN BANCSHARES, INC., PO BOX 688, JEFFERSON CITY MO 65102-0688