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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Hawthorn Bancshares's 3-Year RORE % for the quarter that ended in Jun. 2026 was 62.02%.
The industry rank for Hawthorn Bancshares's 3-Year RORE % or its related term are showing as below:
HWBK's 3-Year RORE % is ranked better than 93.06% of 1469
companies
in the Banks industry
Industry Median: 11.59
vs HWBK: 62.02
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Hawthorn Bancshares 3-Year RORE % Related Terms
Hawthorn Bancshares 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Hawthorn Bancshares's 3-Year RORE % 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.
HWBK vs ISBA, ATLO, FXNC: 3-Year RORE % Comparison
For the Banks - Regional subindustry, Hawthorn Bancshares's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Hawthorn Bancshares's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Hawthorn Bancshares's 3-Year RORE % 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Jun. 2026 and 3-year before.
Hawthorn Bancshares (HWBK) has a 3-Year RORE % of 62.02 as of Jun. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Hawthorn Bancshares and its competitors. According to the industry distribution chart, Hawthorn Bancshares ranks #102 out of 1469 companies in the Banks industry, placing it in the top 6.9%.
Is Hawthorn Bancshares' 3-Year RORE % too high?
Hawthorn Bancshares' current 3-Year RORE % is 62.02. The Banks industry median 3-Year RORE % is 11.59. Hawthorn Bancshares' value of 62.02 is 435.1% above this industry median. Based on the distribution chart, Hawthorn Bancshares ranks #102 out of 1469 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' 3-Year RORE % compare to ISBA and ATLO?
According to the Banks industry distribution chart, Hawthorn Bancshares ranks #102 out of 1469 companies for 3-Year RORE %. This places Hawthorn Bancshares in the top 7% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 11.59. Hawthorn Bancshares' value of 62.02 is 435.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 11.59, based on 1,469 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hawthorn Bancshares's current 3-Year RORE % of 62.02 is 435.1% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Hawthorn Bancshares and its competitors. For the Banks industry, the median 3-Year RORE % is 11.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hawthorn Bancshares's current 3-Year RORE % is 62.02. 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 $39.01 — trading 12.3% above its estimated fair value. The current 3-Year RORE % is 62.02 and 435.1% above the Banks industry median of 11.59. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Hawthorn Bancshares (HWBK), the current 3-Year RORE % is 62.02 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 $39.01 is trading 12.3% above its estimated GF Value™ of $34.73.
GuruFocus considers Hawthorn Bancshares to be Modestly Overvalued.
Key valuation signals for HWBK:
3-Year RORE %: 62.02
GF Value™: $34.73 vs. price of $39.01 (12.3% above fair value)
Industry Position: 435.1% above the Banks median (#102 of 1469)
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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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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