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Hawthorn BancsharesHWBK -0.71%63 FCF Margin % is 41.64% as of Jun. 2026, which is 48% above its 10-year median of 28.12. GuruFocus rates HWBK with a GF Score™ of 63/100 and a GF Value™ of $34.73 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,499 Banks companies, Hawthorn Bancshares ranks better than 59.77% on this metric.
The historical data trend for Hawthorn Bancshares's FCF Margin % 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.
For the Banks - Regional subindustry, Hawthorn Bancshares's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hawthorn Bancshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Hawthorn Bancshares's FCF Margin % falls into.
* 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.
Hawthorn Bancshares (HWBK) has a FCF Margin % of 41.64% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Hawthorn Bancshares and its competitors. This is 48% above median its historical median of 28.12. Over the past decade, Hawthorn Bancshares' FCF Margin % has ranged from 21.61 to 39.24. According to the industry distribution chart, Hawthorn Bancshares ranks #603 out of 1499 companies in the Banks industry, placing it in the top 40.2%.
Is Hawthorn Bancshares' FCF Margin % too high?
Hawthorn Bancshares' current FCF Margin % of 41.64% is 48% above median its 10-year median of 28.12. Over the past 10 years, this metric has ranged from a low of 21.61 to a high of 39.24. The Banks industry median FCF Margin % is 27.17. Hawthorn Bancshares' value of 41.64% is 53.3% above this industry median. Based on the distribution chart, Hawthorn Bancshares ranks #603 out of 1499 companies in the Banks industry, which is above the industry midpoint. Overall, Hawthorn Bancshares has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hawthorn Bancshares' FCF Margin % compare to ISBA and ATLO?
According to the Banks industry distribution chart, Hawthorn Bancshares ranks #603 out of 1499 companies for FCF Margin %. This puts Hawthorn Bancshares in the upper half of its industry. The industry median FCF Margin % is 27.17. Hawthorn Bancshares' value of 41.64% is 53.3% above this benchmark. Historically, Hawthorn Bancshares' own FCF Margin % has ranged from 21.61 to 39.24 over the past decade. While the company's 10-year median is 28.12 vs. the industry median of 27.17, Hawthorn Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.17, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hawthorn Bancshares's current FCF Margin % of 41.64% is 53.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Hawthorn Bancshares and its competitors. For the Banks industry, the median FCF Margin % is 27.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hawthorn Bancshares's current FCF Margin % is 41.64%, which is 48% above median its own 10-year median of 28.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hawthorn Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Hawthorn Bancshares (HWBK) is currently considered Modestly Overvalued. The stock's GF Value™ is $34.73, compared to a current price of $39.10 — trading 12.6% above its estimated fair value. The current FCF Margin % is 41.64%, which is 48% above median its 10-year median of 28.12 and 53.3% above the Banks industry median of 27.17. Hawthorn Bancshares' overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Hawthorn Bancshares (HWBK), the current FCF Margin % is 41.64% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Hawthorn Bancshares (HWBK) Overvalued in 2026?
Based on GuruFocus' analysis, Hawthorn Bancshares stock appears to be overvalued.
The current stock price of $39.10 is trading 12.6% above its estimated GF Value™ of $34.73.
GuruFocus considers Hawthorn Bancshares to be Modestly Overvalued.
Key valuation signals for HWBK:
FCF Margin %: 41.64% (48% above median its 10-year median of 28.12)
GF Value™: $34.73 vs. price of $39.10 (12.6% above fair value)
Industry Position: 53.3% above the Banks median (#603 of 1499)
No single metric tells the full story. See the HWBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hawthorn Bancshares Inc is a financial holding company that, along with its subsidiary bank, provides commercial banking for small and mid sized businesses, including equipment, operating, commercial real estate and SBA loans, and personal banking services such as real estate mortgage lending, installment and consumer loans, certificates of deposit, and checking, savings and money market accounts. It has two segments, banking and wealth management, with the banking segment earning the majority of its revenue and conducting general banking business, offering checking and savings accounts, internet banking, debit cards, certificates of deposit, brokerage services and others. Its primary source of revenue is net interest income derived from lending and deposit taking activities.
63GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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