Hwbk.O

Hawthorn Bancshares maintains a conservative capital structure with total assets of $1.89 billion and total equity of $174.2 million. The balance sheet shows cash and equivalents of $104.3 million, providing a liquidity buffer against total liabilities of $1.72 billion. The debt-to-equity ratio is reported as 0.0, indicating a reliance on equity and deposit funding rather than traditional debt instruments. Operating cash flow stands at $26.9 million, which exceeds capital expenditures of $4.1 million, resulting in positive free cash flow generation.

Profitability metrics show a return on equity of 11.01% and a return on assets of 1.01%. The company trades at a price-to-earnings ratio of 13.99 and a price-to-book ratio of 1.54. Net income for the latest period is $23.8 million. Without cohort median data provided in the input, direct comparative analysis against sector peers is omitted, but the ROE suggests moderate efficiency in equity utilization.

Revenue concentration and segment details are not explicitly broken down in the available data, though the company is identified as a commercial bank. The subsidiary Hawthorn Bank is noted in regulatory filings. Geographic exposure and specific segment revenue mixes are absent from the current snapshot, limiting detailed concentration analysis.

Growth trajectory analysis is constrained by the absence of historical period data in the input. The current net income of $23.8 million and operating cash flow of $26.9 million provide a baseline for current performance, but year-over-year trends cannot be calculated from the provided single-period snapshot.

Risk assessment indicates low liquidity risk and low dilution risk. No immediate filing-based liquidity or dilution flags were detected. The company has 6.9 million basic and diluted shares outstanding, with no discrepancy between basic and diluted counts, suggesting minimal option or warrant dilution pressure.

Recent observations include a reconciler event noting zero analysis jobs for the company, which is an internal processing status rather than a business event. ESG data shows a total score of 17.86 with a grade of D+, driven primarily by a governance pillar score of 27.75 and a social pillar score of 15.52, while the environment pillar is low at 1.19. The ESG controversies score is 100, indicating no significant controversies.