Hawthorn Bancshares (HWBK) Stock Analysis & Winston Score

Hawthorn Bancshares, Inc. operates as the bank holding company for Hawthorn Bank that provides commercial and personal banking services. It accepts checking, savings, money market, individual retirement, and other time deposit accounts; and 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 a

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+6.8% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+27.3% YoY

YoY Growth Rate

Strong earnings growth

Insider Activity

10.5%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$13M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Hawthorn Bancshares is growing revenue at 7% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Quality

Gross Margin

74.4%

Premium pricing power — 74.4% gross margin

Operating Margin

29.3%

Excellent — 29.3% operating margin

ROCE

2.6%

Weak — 2.6% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+4.0%

Slow sales growth (4.0% YoY)

EPS YoY

+32.5%

Earnings growing fast (32.5% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

116%

Turns 116% of profit into real cash

FCF Margin

20.6%

Converts sales into free cash efficiently (20.6%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.82

Moderate — manageable debt (0.82)

Interest Cover

1.00x

Dangerous — barely covers interest (1.0x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

10.6x

no trend

Attractive valuation — P/E 10.6

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

2.12%

no trend

Moderate income — 2.12% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+6.5%

no trend

Dividend growing modestly (6.5% YoY)

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