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Hawthorn BancsharesHWBK +0.15%63 FCF Yield % is 10.26 as of Aug. 20, 2026, which is 7% below its 10-year median of 11.02. 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 1,498 Banks companies, Hawthorn Bancshares ranks better than 60.41% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Hawthorn Bancshares FCF Yield % Related Terms
Hawthorn Bancshares FCF Yield % Historical Data
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The historical data trend for Hawthorn Bancshares's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Hawthorn Bancshares's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Hawthorn Bancshares's FCF Yield % 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 Yield % of 10.26 as of Aug. 20, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Hawthorn Bancshares and its competitors. This is near median its historical median of 11.02. Over the past decade, Hawthorn Bancshares' FCF Yield % has ranged from 4.29 to 21.76. According to the industry distribution chart, Hawthorn Bancshares ranks #593 out of 1498 companies in the Banks industry, placing it in the top 39.6%.
Is Hawthorn Bancshares' FCF Yield % too high?
Hawthorn Bancshares' current FCF Yield % of 10.26 is near median its 10-year median of 11.02. Over the past 10 years, this metric has ranged from a low of 4.29 to a high of 21.76. The Banks industry median FCF Yield % is 8.24. Hawthorn Bancshares' value of 10.26 is 24.6% above this industry median. Based on the distribution chart, Hawthorn Bancshares ranks #593 out of 1498 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 Yield % compare to ISBA and ATLO?
According to the Banks industry distribution chart, Hawthorn Bancshares ranks #593 out of 1498 companies for FCF Yield %. This puts Hawthorn Bancshares in the upper half of its industry. The industry median FCF Yield % is 8.24. Hawthorn Bancshares' value of 10.26 is 24.6% above this benchmark. Historically, Hawthorn Bancshares' own FCF Yield % has ranged from 4.29 to 21.76 over the past decade. While the company's 10-year median is 11.02 vs. the industry median of 8.24, 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.24, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hawthorn Bancshares's current FCF Yield % of 10.26 is 24.6% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Hawthorn Bancshares and its competitors. For the Banks industry, the median FCF Yield % is 8.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hawthorn Bancshares's current FCF Yield % is 10.26, which is near median its own 10-year median of 11.02. 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 $39.44 — trading 13.6% above its estimated fair value. The current FCF Yield % is 10.26, which is near median its 10-year median of 11.02 and 24.6% above the Banks industry median of 8.24. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Hawthorn Bancshares (HWBK), the current FCF Yield % is 10.26 as of Aug. 20, 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 $39.44 is trading 13.6% above its estimated GF Value™ of $34.73.
GuruFocus considers Hawthorn Bancshares to be Modestly Overvalued.
Key valuation signals for HWBK:
FCF Yield %: 10.26 (near median its 10-year median of 11.02)
GF Value™: $34.73 vs. price of $39.44 (13.6% above fair value)
Industry Position: 24.6% above the Banks median (#593 of 1498)
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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