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HAWTHORN BANCSHARES, INC.

HWBK

$40.26 ▲ +0.16 (+0.40%) at close

18 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

HAWTHORN BANCSHARES, INC. shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $279.1M

Dividend Yield —

Revenue Growth 10.0% ↗

Op. Margin 36.3% ↗

ROIC None

FCF / Share None

Trailing P/E 11.7x

Price / Book 1.6x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$80.19M

↑ +10.0% —

Net Income Profit after all expenses

$23.80M

↑ +30.4% —

Operating Margin Operating profit as % of sales

36.3%

↑ +18.3% 91th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability →

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.04 Latest / share

+0.0% YoY

+0.0% 7-yr CAGR

FY 2014

FY 2015

FY 2016

$0.04

FY 2017

$0.04

FY 2018

$0.04

FY 2019

$0.04

FY 2020

$0.04

FY 2021

$0.04

FY 2022

$0.04

FY 2023

FY 2024

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	10.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+66%)	9.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+56%)	-8.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-239%)	-3.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-157%)	10.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+73%)	18.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+205%)	6.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+16%)	4.0% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-34%)	5.3% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-12%)	-1.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-122%)	3.6% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-41%)	-4.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-166%)	-1.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-124%)	-1.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-128%)	-3.1% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-151%)	4.2% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-29%)	—	—
EPS Growth YoY (%)	31.8% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	1764.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-95.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-10.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	54.2% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-14.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	44.4% Excellent → Excellent Stable Year-over-year change in earnings per share Optimal: > 10%	216.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-58.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-18.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	12.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	62.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	314.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	16.7% Good Good Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	—	—
Net Income Growth YoY (%)	30.4% Excellent ↓ Excellent Declining Year-over-year change in net income	1809.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-95.4% Weak ↓ Weak Declining Year-over-year change in net income	-7.8% Weak ↓ Weak Declining Year-over-year change in net income	57.5% Excellent ↓ Excellent Declining Year-over-year change in net income	-11.3% Weak ↓ Weak Declining Year-over-year change in net income	50.4% Excellent → Excellent Stable Year-over-year change in net income	213.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-53.1% Weak ↓ Weak Declining Year-over-year change in net income	-15.3% Weak ↓ Weak Declining Year-over-year change in net income	12.3% Fair ↓ Fair Declining Year-over-year change in net income	53.9% Excellent ↑ Excellent Improving Year-over-year change in net income	76.3% Excellent Excellent Year-over-year change in net income	-1.2% Weak Weak Year-over-year change in net income	N/M	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	3.3% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-1.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	8.0% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	11.8% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.6% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.5% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-0.6% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-0.7% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-2.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-2.1% Weak Weak Compound annual revenue growth over 3 years	-0.2% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	3.3% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.8% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	4.3% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.0% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	8.9% Good ↑ Good Improving Compound annual revenue growth over 5 years	6.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.7% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.4% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	0.4% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-1.0% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-1.4% Weak Weak Compound annual revenue growth over 5 years	-1.2% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	5.4% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-7.2% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-59.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	6.0% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	24.1% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	57.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	24.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	2.7% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-27.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	14.0% Good ↓ Good Declining Compound annual EPS growth over 3 years	96.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	98.6% Excellent Excellent Compound annual EPS growth over 3 years	—	-31.0% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	36.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	30.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	0.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-97%)	34.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	37.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	25.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	34.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	23.0% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	21.8% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	22.4% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	26.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	24.3% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	14.7% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	6.6% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	—	—	—	—
Effective Tax Rate (%) (%)	18.2% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.3% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-121.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.3% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.2% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	69.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.0% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.6% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.7% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.2% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—
Profit Margin (%) (%)	29.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	25.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	1.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-93%)	28.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	29.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	20.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	27.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	19.9% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	6.6% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-70%)	14.8% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	17.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	15.9% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	9.9% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	5.5% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-75%)	5.5% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-75%)	-6.6% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-130%)	9.7% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—
Return on Common Equity (%) (%)	13.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+14%)	12.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	0.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-94%)	16.3% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+36%)	15.1% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+26%)	10.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	14.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+17%)	10.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	3.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	8.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	9.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	9.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	6.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-44%)	3.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	2.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	-3.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-129%)	4.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	—	—	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.04x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	0.16x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-87%)	0.35x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-71%)	0.24x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-80%)	0.25x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	—	0.34x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-72%)	0.65x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-46%)	0.22x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	0.42x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-65%)	0.23x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$11.57	$10.42	$9.47	$10.30	$10.95	$10.12	$8.84	$8.60	$8.23	$8.74	$9.17	$8.86	$9.97	$10.12	$10.71	$11.05	—	—
Basic EPS, GAAP (USD)	$3.44	$2.61	$0.14	$2.94	$3.27	$2.12	$2.47	$1.71	$0.54	$1.29	$1.58	$1.41	$0.87	$0.21	$0.18	$-1.15	$0.64	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	—	—	$0.04	$0.04	$0.04	$0.04	$0.04	$0.04	$0.04	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$25.25	$21.40	$19.33	$18.83	$21.66	$19.36	$17.63	$15.86	$14.50	$16.20	$16.04	$15.39	$14.78	$18.32	$21.20	$20.97	—	—
Tangible Book Value per Share (USD)	$25.25	$21.40	$19.33	$18.83	$21.66	$19.36	$17.63	$15.86	$14.50	$16.20	$16.04	$15.39	$14.78	$18.32	$21.20	$20.97	—	—
Basic Weighted Avg Shares (shares)	6.93M	7.00M	7.04M	7.06M	6.88M	6.74M	6.53M	6.27M	6.30M	5.64M	5.44M	5.44M	5.03M	5.03M	4.84M	4.84M	—	—
Dividend Payout Ratio (%)	—	—	28.6% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	1.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	1.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	1.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	1.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	2.3% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	7.4% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$174.23M	$149.55M	$136.09M	$127.41M	$148.96M	$130.59M	$115.04M	$99.41M	$91.37M	$91.02M	$87.29M	$80.57M	$74.38M	$92.22M	$102.58M	$101.49M	$107.77M	$106.42M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$80.19M	$72.91M	$66.68M	$72.74M	$75.33M	$68.24M	$57.67M	$53.93M	$51.88M	$49.26M	$49.92M	$48.20M	$50.19M	$50.94M	$51.82M	$53.47M	$51.29M	—
Depreciation Expense (USD)	$2.33M	$1.72M	$2.11M	$2.14M	$2.28M	$2.27M	$2.06M	$1.80M	$1.74M	$1.78M	$1.81M	$1.76M	$1.60M	$1.86M	$1.94M	$1.96M	$2.04M	—
Net Income, GAAP (USD)	$23.80M	$18.26M	$956.00K	$20.75M	$22.52M	$14.29M	$16.11M	$10.71M	$3.41M	$7.28M	$8.60M	$7.65M	$4.97M	$2.82M	$2.86M	$-3.55M	$4.96M	—
Operating Cash Flow (USD)	$26.92M	$25.59M	$17.61M	$20.28M	$30.21M	$21.02M	$19.09M	$16.30M	$12.48M	—	—	—	—	—	$20.83M	$21.46M	$9.75M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.5%	3.2%	3.2%	3.1%	3.2%	3.1%	3.3%	3.0%	—	3.1%	3.4%	3.4%	3.4%	3.5%	3.6%	—	—	—
Efficiency Ratio (%) (%)	63.4%	67.9%	78.5%	66.7%	65.0%	66.0%	67.2%	74.8%	74.8%	74.7%	73.1%	75.7%	81.2%	75.9%	71.1%	83.9%	71.6%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

HAWTHORN BANCSHARES, INC.

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