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HWBK

Hawthorn Bancshares, Inc.

Financial Services · $273M market cap

Verdict

Share price

$38.63

close of Oct 3, 2026

Fair value

$47.86

Sticker Price

Payback Price

$19.14

buy price

Undervalued

HWBK is Undervalued: at $38.63 it trades 19% below its fair value of $47.86. Its buy price (Payback Price) is $19.14, 50% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth10.9% a year✓
Equity per share growth2.5% a year✗
Sales growth1.8% a year✗
Free cash flow growth4.1% a year✗
Return on invested capital4.5%✗

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Insider activity

Since Aug 26, 2026: 2 open-market purchases worth $50K. Why purchases matter

Purchases

Hettinger Shawna M.

director · 2026-08-27

Bought

$25K

Hettinger Shawna M.

director · 2026-08-26

Bought

$25K

About Hawthorn Bancshares, Inc.

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…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works