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Upturn AI SWOT - About
Hawthorn Bancshares Inc (HWBK)
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Upturn Advisory Summary
08/14/2025: HWBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 37.25% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
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 1859 as the Boone County Trust Company, and later became Hawthorn Bank. It has grown through acquisitions and organic expansion to serve communities across Missouri. The company focuses on providing traditional banking services.
Core Business Areas
- Community Banking: Offers a range of banking products and services, including deposit accounts, loans, and wealth management, to individuals and small to medium-sized businesses.
Leadership and Structure
Hawthorn Bancshares operates under a traditional corporate structure with a board of directors overseeing the management team led by the CEO. Details available on their investor relations website.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment purchases, and real estate development. Market share data is specific to their geographic footprint in Missouri and can be extracted from their 10k filings. Competitors include other regional and national banks like UMB Financial Corporation (UMBF) and Commerce Bancshares (CBSH).
- Residential Mortgages: Offers mortgage loans to individuals for purchasing or refinancing homes. Market share data is specific to their geographic footprint in Missouri. Competitors include national mortgage lenders and other regional banks like UMB Financial Corporation (UMBF) and Commerce Bancshares (CBSH).
- Deposit Accounts: Provides checking, savings, and money market accounts to individuals and businesses. Market share data is specific to their geographic footprint in Missouri. Competitors include other banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increased regulatory scrutiny, and competition from fintech companies. Community banks also face increasing consolidation pressures.
Positioning
Hawthorn Bancshares is a community bank focusing on serving the needs of individuals and businesses in Missouri. Their competitive advantages include local market knowledge and personalized customer service.
Total Addressable Market (TAM)
The TAM for banking services in Missouri is substantial (estimated in the billions of dollars annually). Hawthorn Bancshares is positioned to capture a portion of this TAM through its branch network and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking model
- Smaller scale compared to national banks
- Vulnerable to interest rate fluctuations
Opportunities
- Expanding into new markets within Missouri
- Adopting new technologies to improve efficiency
- Acquiring smaller banks or credit unions
- Increasing focus on wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn affecting loan demand
- Rising interest rates impacting profitability
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- UMBF
- CBSH
- BOKF
Competitive Landscape
Hawthorn Bancshares competes primarily on customer service and local market knowledge. Larger competitors have advantages in scale and resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth can be assessed from past SEC filings and investor presentations.
Future Projections: Future projections require consulting analyst reports and company guidance. These are found on financial websites that analyze stocks.
Recent Initiatives: Monitor company press releases and SEC filings for recent strategic initiatives.
Summary
Hawthorn Bancshares is a community bank with a strong local presence and a long history in Missouri. While their local focus allows for personalized service, they face competition from larger banks and emerging fintech companies. Future growth will depend on their ability to adapt to changing market conditions and leverage new technologies.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Hawthorn Bancshares Investor Relations, SEC Filings (10-K, 10-Q), Analyst Reports, Yahoo Finance, Google Finance
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data and analyst estimates are subject to change. Financial data should be verified with official sources.
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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