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Upturn AI SWOT - About
Hawthorn Bancshares Inc (HWBK)
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Upturn Advisory Summary
03/27/2025: 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.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 21.94% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 194.79M USD | Price to earnings Ratio 10.69 | 1Y Target Price - |
Price to earnings Ratio 10.69 | 1Y Target Price - | ||
Volume (30-day avg) 14073 | Beta 0.61 | 52 Weeks Range 17.32 - 35.70 | Updated Date 03/30/2025 |
52 Weeks Range 17.32 - 35.70 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 2.72% | Basic EPS (TTM) 2.61 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.4% | Operating Margin (TTM) 30.42% |
Management Effectiveness
Return on Assets (TTM) 0.99% | Return on Equity (TTM) 12.78% |
Valuation
Trailing PE 10.69 | Forward PE - | Enterprise Value 275486368 | Price to Sales(TTM) 2.71 |
Enterprise Value 275486368 | Price to Sales(TTM) 2.71 | ||
Enterprise Value to Revenue 4.49 | Enterprise Value to EBITDA - | Shares Outstanding 6981770 | Shares Floating 5706130 |
Shares Outstanding 6981770 | Shares Floating 5706130 | ||
Percent Insiders 17.68 | Percent Institutions 27.27 |
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 1982. It operates as the holding company for Hawthorn Bank, offering community banking services in Missouri. It has grown through acquisitions and organic expansion, focusing on serving small to medium-sized businesses and individuals.
Core Business Areas
- Community Banking: Offers a range of deposit accounts, loan products (commercial, consumer, and real estate), and other banking services to individuals and businesses.
Leadership and Structure
Hawthorn Bancshares has a board of directors overseeing the company's management team, which is responsible for day-to-day operations. The leadership structure typically consists of a CEO, CFO, and other key executives managing different business areas.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides financing to businesses for various purposes, including working capital, equipment purchases, and real estate. Market share data is fragmented given local market focus. Competitors include other community banks and larger regional banks.
- Residential Mortgages: Offers mortgage loans to individuals for home purchases and refinancing. Market share is subject to local housing market conditions. Competitors: other banks, credit unions, mortgage companies like Rocket Mortgage.
- Deposit Accounts: Provides checking, savings, and money market accounts to individuals and businesses. Attracts customers through competitive rates and local service. Competitors: national banks like Bank of America, local credit unions.
Market Dynamics
Industry Overview
The community banking industry is characterized by increasing competition, regulatory compliance burdens, and technological advancements. Banks are focusing on digital transformation and customer experience to remain competitive.
Positioning
Hawthorn Bancshares positions itself as a community-focused bank, offering personalized service and local expertise. Its competitive advantage lies in its relationships with local businesses and individuals.
Total Addressable Market (TAM)
The TAM includes all banking services in Missouri and surrounding regions. Hawthorn Bancshares' position depends on its market share within specific local markets, focusing on community relationships.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Customer relationships
- Strong deposit base
Weaknesses
- Limited geographic diversification
- Smaller asset base compared to larger banks
- Dependence on local economy
Opportunities
- Expanding into new markets within Missouri
- Increasing digital banking services
- Acquiring smaller community banks
- Growing commercial lending portfolio
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- BANF
- OZK
- CASH
Competitive Landscape
Hawthorn Bancshares' advantages include its local market knowledge and customer relationships. Disadvantages include its smaller size and limited geographic diversification compared to larger competitors.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth can be analyzed by examining trends in revenue, assets, and loan growth from financial reports.
Future Projections: Future growth projections are based on analysts' estimates or company guidance.
Recent Initiatives: Recent strategic initiatives include expanding digital banking services and entering new markets. More details can be found in company reports.
Summary
Hawthorn Bancshares is a community bank with a strong local presence, leveraging its customer relationships. However, its smaller size and limited geographic diversification pose challenges. Expanding digital services and strategic acquisitions present growth opportunities, while economic downturns and rising interest rates are key risks.
Similar Companies
- BANF
- OZK
- CASH
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Financial news sources (e.g., Yahoo Finance, Bloomberg)
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data is approximate and may vary based on different sources. Financial data needs to be retrieved from official filings for a proper analysis.
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 255 | |
Full time employees 255 | |||
Hawthorn Bancshares, Inc. operates as the bank holding company for Hawthorn Bank that provides various banking services in the United States. It accepts checking, savings, money market, individual retirement, and other time deposit accounts, as well as certificates of deposit. The company also offers commercial and industrial, single payment personal, installment, commercial and residential real estate, and consumer loans, as well as equipment, operating, and small business administration loans; and debit and credit cards. In addition, it provides trust services that include estate planning, investment, and asset management services; and cash management, safety deposit box, brokerage, and Internet banking services. Hawthorn Bancshares, Inc. was founded in 1865 and is headquartered in Jefferson City, Missouri.
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