Hawthorn Bancshares, Inc. (HWBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$40.09+1.29%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · HWBK
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 100% of the last 1 guided quarters · 200.0% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Complete the acquisition and integration of FSC Bancshares, Inc. and its subsidiary Farmers State Bank into Hawthorn Bancshares.
Stated as a priority in 2 disclosures including 2026-Q2 and the 2026-09-04 press release. The acquisition was completed on September 3, 2026, increasing total assets from $1.77 billion as of 2026-Q2 to approximately $2.2 billion post-merger. Management is delivering on this strategic growth priority with the merger completion and plans for integration in early 2027.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 57% of the time over the next year (vs 60% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“On April 29, 2026, Hawthorn Bancshares entered into an Agreement to acquire FSC Bancshares, Inc.”
Maintain and increase the quarterly cash dividend to shareholders, reflecting confidence in earnings and capital position.
Stated in 3 quarters including 2025-Q4, 2026-Q1, and 2026-Q2. Dividend per share increased from $0.20 in 2025-Q4 to $0.21 in 2026-Q1 and was maintained in 2026-Q2. The Board approved the $0.21 dividend again in July 2026. This reflects consistent delivery on the capital allocation priority to increase dividends.
“Board approved a quarterly cash dividend of $0.21 per common share payable October 1, 2026.”
“Board approved a quarterly cash dividend of $0.21 per common share payable July 1, 2026.”
“Dividend per share was $0.20 in 2025-Q4 and increased to $0.21 in 2026-Q1.”
Continue to improve the efficiency ratio by managing expenses and increasing net interest margin and non-interest income.
Stated as a priority in 2 quarters: 2026-Q1 and 2026-Q2. The efficiency ratio improved from 62.32% in 2025-Q2 to 60.66% in 2026-Q2, showing progress in operational cost management. The trajectory is delivering with consistent improvement in efficiency.
“Efficiency ratio improved to 60.66% compared to 62.32% for the prior year quarter.”
“Efficiency ratio was 60.46%, improved from 62.64% prior quarter and 66.64% prior year quarter.”
Sustain regulatory capital ratios well above minimum requirements to ensure financial strength and compliance.
Stated in 2 quarters: 2026-Q1 and 2026-Q2. The total risk-based capital ratio increased from 15.91% to 16.40%, maintaining a well-capitalized status. Management is delivering on this priority with stable and improving capital ratios.
“Remained well capitalized with total risk-based capital of 16.40%.”
“Remained well capitalized with total risk-based capital of 15.91%.”
Over the trailing year it converted 3.02x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6844).
Not enough signal yet.
Not enough signal to read sensitivity to the broad stock market, the US dollar, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates (low R² over the window).
13 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 56% of the time over the next year (vs 58% for the rest of the cohort, n=3751).
Not investment advice. As of 2026-09-04.