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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, wealth and treasury management, and brokerage services; and safety deposit boxes, debit cards, and internet banking services. Hawthorn Bancshares, Inc. was formerly known as Exchange National Bancshares, Inc. and changed its name to Hawthorn Bancshares, Inc. in 2007. The company was founded in 1865 and is headquartered in Jefferson City, Missouri.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Hawthorn Bancshares, Inc. is a bank holding company offering commercial and consumer banking services to regional businesses and households. Long-term growth drivers include loan growth, net interest margin management, deposit stability and modest fee income expansion that could support steady earnings, and investors may find the company attractive for its community-focused lending model and potential for consistent cash generation.
Material risks include regional credit concentration and sensitivity to interest-rate and deposit-cost swings, as well as regulatory and execution risks that could impair capital or earnings.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 29.10M | 22.36M | 0.43M | 25.09M | 28.21M |
| Net income | 23.80M | 18.26M | 0.96M | 20.75M | 22.52M |
| Selling general administrative | 27.84M | 26.58M | 28.97M | 27.94M | 28.50M |
| Selling and marketing expenses | 1.07M | 0.98M | 1.52M | 1.49M | 1.23M |
| Gross profit | 79.95M | 71.88M | 52.79M | 72.73M | 75.08M |
| Reconciled depreciation | 2.24M | 1.65M | 2.11M | 2.14M | 2.28M |
| Ebit | 29.10M | 22.36M | 0.43M | 33.44M | 28.21M |
| Ebitda | 31.34M | 24.01M | 2.54M | 35.58M | 30.50M |
| Depreciation and amortization | 2.24M | 1.65M | 2.11M | 2.14M | 2.28M |
| Operating income | 29.10M | 22.36M | 0.43M | 33.44M | 28.21M |
| Other operating expenses | 82.98M | 87.31M | 87.53M | -39.29M | -46.86M |
| Interest expense | 31.78M | 36.76M | 32.83M | 10.49M | 5.91M |
| Tax provision | 5.30M | 4.10M | -0.52M | 4.34M | 5.70M |
| Interest income | 97.24M | 94.79M | 91.53M | 69.26M | 64.45M |
| Net interest income | 65.46M | 58.03M | 58.70M | 58.76M | 58.55M |
| Income tax expense | 5.30M | 4.10M | -0.52M | 4.34M | 5.70M |
| Total revenue | 112.08M | 109.67M | 87.96M | 72.73M | 75.08M |
| Total operating expenses | 50.85M | 49.52M | 52.36M | -39.29M | -46.86M |
| Cost of revenue | 32.14M | 37.78M | 35.17M | - | - |
| Total other income expense net | - | -12.18M | -12.26M | -8.35M | -5.91M |
| Net income from continuing ops | 23.80M | 18.26M | 0.96M | 20.75M | 22.52M |
| Net income applicable to common shares | - | - | - | 20.75M | 22.52M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 1894.85M | 1825.18M | 1875.35M | 1923.54M | 1831.55M |
| Intangible assets | - | - | 1.74M | 2.90M | 2.66M |
| Other current assets | - | - | 103.86M | 8.54M | 5.19M |
| Total liab | 1720.62M | 1675.64M | 1739.27M | 1796.13M | 1682.59M |
| Total stockholder equity | 174.23M | 149.55M | 136.09M | 127.41M | 148.96M |
| Other current liab | 1554.15M | 1533.18M | -1.77M | -0.90M | -0.28M |
| Common stock | 7.55M | 7.55M | 7.55M | 7.28M | 7.02M |
| Capital stock | 7.55M | 7.55M | 7.55M | 7.28M | 7.02M |
| Retained earnings | 107.86M | 89.54M | 76.46M | 91.79M | 82.30M |
| Other liab | - | - | - | 8.94M | 12.92M |
| Other assets | - | 1825.18M | 1361.74M | 1291.51M | 1145.12M |
| Cash | 105.31M | 51.99M | 93.45M | 86.63M | 22.48M |
| Total current liabilities | 1554.15M | 1533.18M | 1.77M | 0.90M | 0.28M |
| Current deferred revenue | - | - | -24.48M | - | - |
| Net debt | 50.15M | 80.69M | 64.25M | 62.39M | 106.26M |
| Short term debt | 83.75M | 40.39M | 26.25M | - | 77.42M |
| Short long term debt total | 155.46M | 132.69M | 157.70M | 149.02M | 128.74M |
| Other stockholder equity | 62.42M | 64.89M | 65.83M | 60.05M | 56.34M |
| Property plant equipment | - | - | - | 32.86M | 32.72M |
| Total current assets | 177.90M | 270.65M | 290.85M | 345.33M | 339.97M |
| Long term investments | 210.16M | 218.88M | 188.97M | 250.94M | 318.53M |
| Net tangible assets | - | - | - | 127.41M | 139.09M |
| Short term investments | 72.59M | 218.65M | 188.74M | 250.75M | 310.87M |
| Net receivables | 8.45M | - | 8.66M | 7.95M | 6.62M |
| Long term debt | 151.57M | 131.01M | 156.49M | 147.49M | 49.49M |
| Inventory | - | - | -103.86M | 8.79M | 10.53M |
| Accounts payable | - | - | 1.77M | 0.90M | 0.28M |
| Accumulated other comprehensive income | -3.61M | -12.44M | -13.76M | -31.71M | 3.29M |
| Common stock total equity | - | - | - | - | 7.02M |
| Retained earnings total equity | - | - | - | - | 82.30M |
| Treasury stock | - | - | - | - | -8.10M |
| Non currrent assets other | 79.17M | 79.03M | -222.76M | -286.70M | -346.46M |
| Non current assets total | 1716.95M | 1554.54M | 222.76M | 286.70M | 346.46M |
| Capital lease obligations | 3.89M | 1.68M | 1.21M | 1.53M | 1.84M |
| Long term debt total | - | - | - | - | 49.49M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 18.35M | 1.25M | 54.19M | -206.53M | -183.84M |
| Change to liabilities | - | - | - | 0.00M | 4.43M |
| Total cashflows from investing activities | -6.86M | 1.25M | 54.19M | -206.53M | -127.94M |
| Net borrowings | 20.57M | -25.48M | 9.00M | 1.94M | -50.58M |
| Total cash from financing activities | 33.26M | -69.30M | -62.07M | 110.07M | 76.87M |
| Change to operating activities | - | - | - | -2.68M | 1.85M |
| Net income | 23.80M | 18.26M | 0.96M | 20.75M | 22.52M |
| Change in cash | 53.32M | -42.46M | 9.73M | -76.19M | -20.45M |
| Begin period cash flow | 50.99M | 93.45M | 83.72M | 159.91M | 180.36M |
| End period cash flow | 104.31M | 50.99M | 93.45M | 83.72M | 159.91M |
| Total cash from operating activities | 26.92M | 25.59M | 17.61M | 20.28M | 30.61M |
| Depreciation | 2.24M | 1.65M | 2.11M | 2.14M | 2.28M |
| Other cashflows from investing activities | -21.13M | 38.70M | -13.10M | 1.22M | 56.50M |
| Dividends paid | 5.43M | 5.05M | 4.65M | -4.24M | -3.62M |
| Change to inventory | - | - | -2.66M | - | 2.46M |
| Change to account receivables | - | - | -0.71M | -1.33M | 0.02M |
| Sale purchase of stock | -2.86M | -1.12M | 0.00M | -2.89M | -2.15M |
| Other cashflows from financing activities | 20.97M | -37.66M | -66.42M | 432.60M | 111.89M |
| Change to netincome | - | - | - | 1.40M | 1.33M |
| Capital expenditures | 4.08M | 3.00M | 2.10M | 2.57M | 0.59M |
| Change receivables | - | - | - | - | 0.02M |
| Cash flows other operating | - | - | - | - | -1.71M |
| Cash and cash equivalents changes | - | - | - | - | -20.45M |
| Change in working capital | 0.39M | -1.26M | -2.56M | -4.01M | 1.86M |
| Stock based compensation | 0.39M | 0.18M | 0.04M | - | - |
| Other non cash items | 0.10M | 6.77M | 17.06M | 1.40M | 3.95M |
| Free cash flow | 22.84M | 22.59M | 15.51M | 17.71M | 30.02M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| HWBK Hawthorn Bancshares Inc |
-0.74 1.86% |
38.96 | 10.68 | 17.76 | 3.41 | 1.58 | 4.39 |
| DBSDY DBS Group Holdings Ltd ADR |
-2.42 1.05% |
227.80 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
1.20 3.58% |
34.75 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.02 0.02% |
82.05 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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, wealth and treasury management, and brokerage services; and safety deposit boxes, debit cards, and internet banking services. Hawthorn Bancshares, Inc. was formerly known as Exchange National Bancshares, Inc. and changed its name to Hawthorn Bancshares, Inc. in 2007. The company was founded in 1865 and is headquartered in Jefferson City, Missouri.
132 East High Street, Jefferson City, MO, United States, 65102
573 761 6100
269
| Name | Title | Year Born |
|---|---|---|
| Cynthia Glasscock | Assistant Sec. & Treasurer | NA |
| Mr. David T. Turner | Chairman, Pres & CEO | 1957 |
| Mr. Stephen E. Guthrie | Sr. VP & CFO | 1957 |
| Ms. Kathleen L. Bruegenhemke CPA | Sr. VP, Chief Operations and Risk Officer, Corp. Sec. & Director | 1966 |
| Mr. David T. Turner | Executive Chairman | 1957 |
| Ms. Kathleen L. Bruegenhemke CPA | Chief Risk Officer, Corporate Secretary & Director | 1966 |
| Mr. Brent M. Giles | CEO & Director | 1967 |
| Mr. Gregg A. Bexten | President & Director | NA |
| Mr. Christopher E. Hafner | Chief Financial Officer | 1967 |
| Mr. Jason E. Schwartz | Chief Credit Officer | 1969 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
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Basic Materials
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Communication Services
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Consumer Cyclical
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Consumer Defensive
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Energy
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Financial Services
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