HWBK (Hawthorn Bancshares) Scaled Net Operating Assets: 0.08 (As of Jun. 2026)

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HWBK Hawthorn Bancshares Inc HWBK
63 GF Score
Price $39.10
GF Value $34.73
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Hawthorn Bancshares Scaled Net Operating Assets?

Hawthorn Bancshares HWBK -0.71% 63 Scaled Net Operating Assets is 0.08 as of Jun. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Hawthorn Bancshares's operating assets for the quarter that ended in Jun. 2026 was $1,657.70 Mil. Hawthorn Bancshares's operating liabilities for the quarter that ended in Jun. 2026 was $1,506.70 Mil. Hawthorn Bancshares's Total Assets for the quarter that ended in Mar. 2026 was $1,855.86 Mil. Therefore, Hawthorn Bancshares's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was 0.08.

HWBK
63GF Score
Hawthorn Bancshares Inc HWBK
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Hawthorn Bancshares Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Hawthorn Bancshares's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1789.538-1565.162)/1825.185
=0.12

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1894.85 - 105.312
=1789.538

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1720.621 - 155.459 - 0
=1565.162

Hawthorn Bancshares's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2026 )
=(Operating Assets (Q: Jun. 2026 )-Operating Liabilities (Q: Jun. 2026 ))/Total Assets (Q: Mar. 2026 )
=(1657.695-1506.704)/1855.86
=0.08

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1773.04 - 115.345
=1657.695

Operating Liabilities(Q: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1590.246 - 83.542 - 0
=1506.704

* 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.

What does a Scaled Net Operating Assets of 0.08 mean?
Hawthorn Bancshares (HWBK) has a Scaled Net Operating Assets of 0.08 as of Jun. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Hawthorn Bancshares and its competitors.
Is Hawthorn Bancshares' Scaled Net Operating Assets too high?
Hawthorn Bancshares' current Scaled Net Operating Assets is 0.08. 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' Scaled Net Operating Assets compare to ISBA and ATLO?
Hawthorn Bancshares' Scaled Net Operating Assets of 0.08 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Hawthorn Bancshares and its competitors. Hawthorn Bancshares's current Scaled Net Operating Assets is 0.08. 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 Scaled Net Operating Assets is 0.08. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Hawthorn Bancshares (HWBK), the current Scaled Net Operating Assets is 0.08 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:

  • Scaled Net Operating Assets: 0.08
  • GF Value™: $34.73 vs. price of $39.10 (12.6% above fair value)
  • GF Score™: 63/100 with 4 warning signs

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 Business Description

Address 132 East High Street, Box 688, Jefferson City, MO, USA, 65102
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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$39.10
Price
$34.73
GF Value