Hawthorn Bancshares (HWBK) Fundamental Analysis: Revenue, Earnings & Valuation

5.35 / 10

Netural

Fundamentally, HWBK scores 5.3/10. Profit‑MV, Cash‑UP and gross margin are strong, and liability ratios are healthy. However, PB‑ROE (‑0.94) and Asset‑MV (‑0.55) lag, pulling the rating to neutral. Selective buying may be warranted.

Analysis Checks(8/10)

Gross profit margin (%)

Value41.83

Score3/3

Weight6.61%

1M Return3.70%

Current liabilities / Total liabilities (%)

Value48.71

Score3/3

Weight6.60%

1M Return3.70%

Profit-MV

Value1.26

Score3/3

Weight15.59%

1M Return7.25%

Net income-Revenue

Value0.45

Score3/3

Weight14.36%

1M Return6.99%

PB-ROE

Value-0.94

Score1/3

Weight8.51%

1M Return4.22%

Non-current liabilities / Total liabilities (%)

Value53.45

Score3/3

Weight6.61%

1M Return3.70%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight6.60%

1M Return3.70%

Cash-UP

Value3.27

Score3/3

Weight9.15%

1M Return5.00%

Asset-MV

Value-0.55

Score1/3

Weight13.37%

1M Return6.12%

Cash-MV

Value0.40

Score2/3

Weight12.62%

1M Return6.14%

Is HWBK fundamentally strong?

HWBK scores 5.35/10 on fundamentals and holds a Fair valuation at present. Backed by its 14.70% ROE, 29.64% net margin, 9.80 P/E ratio, 1.34 P/B ratio, and 31.80% earnings growth, these metrics solidify its Netural investment rating.