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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.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $80M | - | $24M | $23M | 13.7% | 10.1% | 30.4% |
| 2024 | $73M | - | $18M | $23M | 12.2% | 32.2% | 1809.6% |
| 2023 | $55M | - | $1M | $16M | 0.7% | -24.2% | -95.4% |
| 2022 | $73M | - | $21M | $18M | 16.3% | - | - |
| 2021 | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 72.73 | 55.13 | 72.91 | 80.31 |
| Operating Revenue | - | 72.73 | 55.13 | 72.91 | 80.31 |
| Selling General And Administration | - | 28.59 | 30.49 | 27.55 | 28.91 |
| Interest Income | - | 68.99 | 91.53 | 94.79 | 97.24 |
| Interest Expense | - | 10.49 | 32.83 | 36.76 | 31.78 |
| Net Interest Income | - | 58.49 | 58.70 | 58.03 | 65.46 |
| Pretax Income | - | 25.09 | 0.43 | 22.36 | 29.10 |
| Tax Provision | - | 4.34 | -0.52 | 4.10 | 5.30 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0.05 | -0.93 | 0.16 | -0.03 |
| Net Income Continuous Operations | - | 20.75 | 0.96 | 18.26 | 23.80 |
| Net Income From Continuing And Discontinued Operation | - | 20.75 | 0.96 | 18.26 | 23.80 |
| Net Income From Continuing Operation Net Minority Interest | - | 20.75 | 0.96 | 18.26 | 23.80 |
| Net Income | - | 20.75 | 0.96 | 18.26 | 23.80 |
| Net Income Common Stockholders | - | 20.75 | 0.96 | 18.26 | 23.80 |
| Net Income Including Noncontrolling Interests | - | 20.75 | 0.96 | 18.26 | 23.80 |
| Normalized Income | - | 20.51 | 4.45 | 17.54 | 23.93 |
| Diluted NI Availto Com Stockholders | - | 20.75 | 0.96 | 18.26 | 23.80 |
| Basic Average Shares | - | 7.05 | 6.83 | 6.99 | 6.92 |
| Diluted Average Shares | - | 7.05 | 6.83 | 6.99 | 6.94 |
| Reconciled Depreciation | - | 2.14 | 2.11 | 1.65 | 2.24 |
| Total Unusual Items | - | 0.29 | -4.43 | 0.88 | -0.16 |
| Total Unusual Items Excluding Goodwill | - | 0.29 | -4.43 | 0.88 | -0.16 |
| Special Income Charges | 0 | - | - | - | - |
| Gain On Sale Of Business | 0 | - | - | - | - |
| Gain On Sale Of Security | - | -0.01 | -11.55 | 0 | 0.12 |
| General And Administrative Expense | - | 27.06 | 28.97 | 26.58 | 27.84 |
| Other Gand A | 0.84 | 0.88 | - | - | - |
| Salaries And Wages | - | 27.06 | 28.97 | 26.58 | 27.84 |
| Selling And Marketing Expense | - | 1.53 | 1.52 | 0.98 | 1.07 |
| Occupancy And Equipment | - | 6.23 | 6.26 | 6.27 | 6.70 |
| Professional Expense And Contract Services Expense | - | 1.63 | 2.51 | 2.61 | 1.70 |
| Other Non Interest Expense | - | 12.09 | 13.10 | 13.09 | 13.54 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Hawthorn Bancshares, Inc.this co. | HWBK | $244M | 10.26 | 1.40 | 13.7% | - |
| First National Corporation | FXNC | $256M | 14.47 | 1.38 | 9.5% | - |
| First United Corporation | FUNC | $256M | 10.45 | 1.26 | 12.0% | - |
| Security National Financial Corporation | SNFCA | $245M | 7.62 | 0.60 | 7.8% | - |
| Octave Specialty Group, Inc. | OSG | $244M |
| - |
| - |
| - |
| - |
| - |
| -0.93 |
| 0.34 |
| -36.6% |
| - |
| Chain Bridge Bancorp, Inc. | CBNA | $239M | 11.80 | 1.41 | 12.0% | - |
| C&F Financial Corporation | CFFI | $237M | 8.83 | 0.90 | 10.3% | - |
| Princeton Bancorp, Inc. | BPRN | $236M | 12.67 | 0.87 | 6.9% | - |
| LCNB Corp. | LCNB | $235M | 10.18 | 0.86 | 8.4% | - |
| Peer Median | - | 10.31 | 0.89 | 9.0% | - | |