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Upturn AI SWOT - About
Hawthorn Bancshares Inc (HWBK)
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Upturn Advisory Summary
06/27/2025: 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.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 37.25% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/27/2025 |
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 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Hawthorn Bancshares Inc
Company Overview
History and Background
Hawthorn Bancshares, Inc. was founded in 1908 as a single-location community bank in Jefferson City, Missouri. It has grown through organic expansion and strategic acquisitions to become a multi-bank holding company operating across central Missouri.
Core Business Areas
- Community Banking: Provides a range of commercial and retail banking services, including deposit accounts, loans, and other financial products to individuals and businesses.
- Wealth Management: Offers wealth management and trust services to individuals and families.
Leadership and Structure
Hawthorn Bancshares Inc. is led by a board of directors and executive management team. The organizational structure includes various departments overseeing banking operations, lending, finance, and risk management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans include financing for real estate, equipment, and working capital. Market share data is not publicly available at a granular level. Competitors include other regional and national banks like Commerce Bancshares (CBSH) and UMB Financial (UMBF).
- Retail Banking Services: Retail banking services consist of checking and savings accounts, mortgages, and consumer loans. Market share data is not publicly available at a granular level. Competitors include other regional and national banks like Commerce Bancshares (CBSH) and UMB Financial (UMBF).
- Wealth Management Services: These services cater to individual investors and institutions providing wealth management products. Revenue is earned through fees and commissions. Key Competitors include: Edward Jones, Charles Schwab (SCHW), and Fidelity Investments.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increased regulatory scrutiny, rising interest rates, and competition from fintech companies. Community banks are facing pressure to adapt to digital banking trends and manage increasing compliance costs.
Positioning
Hawthorn Bancshares is positioned as a community-focused bank with a strong local presence. It aims to provide personalized service and build long-term relationships with customers.
Total Addressable Market (TAM)
The TAM for community banking in central Missouri is estimated to be several billion dollars. Hawthorn Bancshares has a modest portion of the market and is aiming to expand its market share within the region.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Solid customer relationships
- Conservative lending practices
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Dependence on traditional banking model
- Lower technological integration relative to competitors
Opportunities
- Expansion into new markets
- Increased demand for digital banking services
- Strategic acquisitions of smaller banks
- Growth in wealth management services
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn in the region
- Regulatory changes and compliance costs
Competitors and Market Share
Key Competitors
- CBSH
- UMBF
- OZRK
Competitive Landscape
Hawthorn Bancshares faces competition from larger regional banks with greater resources and more diversified product offerings. It competes on personalized service and local market knowledge. Digital transformation is key to remaining competitive.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require access to financial data over time. This would typically involve analyzing revenue, asset growth, and profitability over the past several years.
Future Projections: Future growth projections require access to analyst estimates and company guidance. These projections would typically include forecasts for revenue growth, earnings per share, and asset growth.
Recent Initiatives: Recent strategic initiatives undertaken by Hawthorn Bancshares include expansion of their digital banking services and investment in technology to improve customer experience and operational efficiency.
Summary
Hawthorn Bancshares is a stable community bank with a strong local presence, but faces challenges from larger competitors and the need to adapt to digital banking trends. Its strength lies in its customer relationships and conservative lending, while weaknesses include its limited scale and geographic diversification. Future growth depends on strategic initiatives and effective management of competitive pressures.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports
Disclaimers:
This analysis is based on available information and general knowledge of the banking industry. Market share data is estimated and may not be precise. Financial data is not directly from Hawthorn Bancshares. This is not financial advice.
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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