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Upturn AI SWOT - About
Hawthorn Bancshares Inc (HWBK)
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Upturn Advisory Summary
10/15/2025: HWBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 35.99% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 190.89M USD | Price to earnings Ratio 10.01 | 1Y Target Price - |
Price to earnings Ratio 10.01 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.58 | 52 Weeks Range 19.45 - 35.45 | Updated Date 06/29/2025 |
52 Weeks Range 19.45 - 35.45 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 2.90% | Basic EPS (TTM) 2.75 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.29% | Operating Margin (TTM) 34.54% |
Management Effectiveness
Return on Assets (TTM) 1.03% | Return on Equity (TTM) 13.23% |
Valuation
Trailing PE 10.01 | Forward PE - | Enterprise Value 264666912 | Price to Sales(TTM) 2.62 |
Enterprise Value 264666912 | Price to Sales(TTM) 2.62 | ||
Enterprise Value to Revenue 4.97 | Enterprise Value to EBITDA - | Shares Outstanding 6931300 | Shares Floating 5661872 |
Shares Outstanding 6931300 | Shares Floating 5661872 | ||
Percent Insiders 18.13 | Percent Institutions 27.43 |
Upturn AI SWOT
Hawthorn Bancshares Inc
Company Overview
History and Background
Hawthorn Bancshares, Inc. was founded in 1908. It has grown through acquisitions and organic growth to become a multi-bank holding company serving Missouri communities.
Core Business Areas
- Community Banking: Provides traditional banking services to individuals and businesses, including deposit accounts, loans, and other financial services.
- Wealth Management: Offers investment management, trust services, and financial planning to individuals and families.
Leadership and Structure
Hawthorn Bancshares Inc. is led by a board of directors and an executive management team. Its organizational structure is typical of a multi-bank holding company.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share information is not publicly available at a granular level. Competitors include other regional and national banks such as UMBF and USB.
- Residential Mortgages: Offers mortgage loans to individuals for home purchases. Market share information is not publicly available at a granular level. Competitors include other regional and national banks and mortgage companies such as JPM and BAC.
- Deposit Accounts: Provides checking, savings, and money market accounts to individuals and businesses. Market share information is not publicly available at a granular level. Competitors include other regional and national banks such as WF and C.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and technological disruption. Community banks face challenges from larger institutions and fintech companies.
Positioning
Hawthorn Bancshares Inc. is positioned as a community-focused bank serving Missouri communities. Its competitive advantages include its local presence, customer relationships, and knowledge of the local market.
Total Addressable Market (TAM)
The TAM for banking services in Missouri is substantial, estimated in the billions of dollars. Hawthorn Bancshares Inc. has a relatively small market share compared to larger national banks.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Diversified revenue streams
- Stable deposit base
Weaknesses
- Limited geographic footprint
- Smaller scale compared to national banks
- Dependence on local economy
- Technology investments lagging national peers.
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growing demand for wealth management services
- Acquisition opportunities
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- UMBF
- CMA
- HBNC
- OZK
Competitive Landscape
Hawthorn Bancshares Inc. faces competition from larger national banks and other regional banks. Its strengths include its community focus and local expertise, while its weaknesses include its smaller size and limited geographic footprint.
Growth Trajectory and Initiatives
Historical Growth: Historical growth information is not available.
Future Projections: Future projections information is not available.
Recent Initiatives: Recent initiatives information is not available.
Summary
Hawthorn Bancshares Inc. is a community-focused bank with a strong presence in Missouri. It benefits from its local expertise and customer relationships. However, it faces challenges from larger competitors and economic uncertainty. The company should focus on expanding its digital capabilities and exploring acquisition opportunities to drive future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates (where available)
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is limited and may not be entirely accurate.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Hawthorn Bancshares Inc
Exchange NASDAQ | Headquaters Jefferson City, MO, United States | ||
IPO Launch date 1999-07-20 | CEO & Director Mr. Brent M. Giles | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 264 | |
Full time employees 264 | |||
Hawthorn Bancshares, Inc. operates as the bank holding company for Hawthorn Bank that provides various banking products and services to families and businesses. It offers checking and savings accounts, and certificates of deposit. The company also provides commercial and industrial, single payment personal, mortgage, installment, and commercial and residential real estate loans. In addition, it provides trust, consumer banking, wealth and treasury management, and brokerage services; and safety deposit boxes, debit cards, and internet banking services. The company was formerly known as Exchange National Bancshares, Inc. and changed its name to Hawthorn Bancshares, Inc. in 2007. Hawthorn Bancshares, Inc. was founded in 1865 and is headquartered in Jefferson City, Missouri.
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