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Hawthorn

NSQ:HWBK · US4204761039
BanksX-Small

360

74
Medium confidence — indicative
Profit price83
Cash yield1
Price/Sales62
EV / Gross Profit34
Price/Book15
Returns on capital66
Profit margins—
Cash Conversion57
Accruals83
Owner Earnings Margin56
Sales growth29
Profit Growth32
Owner Earnings Growth37
Reinvestment70
Price momentum39
Debt load28
Debt serviceability11
Liquidity67
Analyst ratings—
Expectations trend—
Market mood57
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Hawthorn clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQGS
Founded1992
Websitehawthornbancshares.com/overview/corporate-profile/default.aspx
ISINUS4204761039
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
Consumer Lending

Description

Hawthorn Bancshares, Inc. operates as the bank holding company for Hawthorn Bank, engaging in banking and trust business. The bank is a full-service bank conducting a general banking and trust business, offering its customers checking and savings ac…

Analysis

Quality compounder

Hawthorn Bancshares, Inc. is a quality compounder: a well-run business trading at a price that reflects what it is worth.

The price is attractive. You pay 12.3× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is moderate and the balance sheet is adequate. The company scores 10/20 on our value-creation score: creating some value.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
17
20232026

All-time high

76

Mar 2026

All-time low

17

Jun 2026

Average rank

42

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
62
—
—
88
Price/Earnings
85
—
—
94
Price/Book
15
—
—
32
Dividend Yield
1
—
—
50
Value (overall)
40
—
—
63

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →