Hawthorn Bancshares, Inc. (HWBK) Stock Score, Valuation & Financial Research
Hawthorn Bancshares, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 55/100.
Quick answer for HWBK
Hawthorn Bancshares, Inc. currently has a Wall Street Score of 55/100. The stored market price is $39.83. Its financial score is 41/100. Its valuation score is 97/100. The latest WSS change is -3.1 points. These figures are a research snapshot, not a buy or sell recommendation.
What Hawthorn Bancshares, Inc. does
Hawthorn Bancshares, Inc. functions as the parent holding company for Hawthorn Bank, which delivers a full spectrum of financial services to both commercial clients and individual consumers. The institution offers various deposit accounts, such as checking, savings, money market, and individual retirement accounts, in addition to time deposits and certificates of deposit. Its lending portfolio encompasses commercial and industrial financing, personal installment and single payment loans, consumer credit, and both commercial and residential real estate loans. Furthermore, Hawthorn Bank provides specialized financing for equipment, operating capital, and Small Business Administration (SBA) loans. Customers also have access to debit and credit card services. Beyond conventional banking, the company furnishes trust services, including estate planning, investment management, and asset supervi
HWBK financial snapshot
- Wall Street Score:
- 55/100
- Current price:
- $39.83
- Market capitalization:
- $274.9M
- Revenue:
- $116.4M
- Net income:
- $26.4M
- Free cash flow:
- $22.8M
- Cash:
- $22.9M
- Total debt:
- $83.5M
- EPS:
- 3.44
- P/E ratio:
- 11.6x
- Financial score:
- 41/100
- Valuation score:
- 97/100
- Revenue score:
- 37/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $22.8M, showing positive cash generation.
- The balance sheet shows $22.9M of cash versus $83.5M of total debt, so leverage deserves attention.
- The latest Wall Street Score change is -3.1 points: HWBK decreased 3.1 points because Management declined by 19.9 points, Buffett declined by 2.5 points.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 41/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-08-14.
How to research HWBK
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.