Hawthorn Bancshares, Inc. cash flow to debt ratio of 17.32% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Hawthorn Bancshares, Inc.'s free cash flow has increased 1.12% from $22.59M last year to $22.84M, signaling increasing performance

Hawthorn Bancshares, Inc.'s debt to equity ratio is 0.46, which means that the company's assets are healthy financed, signaling financial stability.

Hawthorn Bancshares, Inc.'s debt has decreased relative to shareholder equity from 0.89 last year to 0.46 today, signaling strengthened financials

Hawthorn Bancshares, Inc. has a net cash position, so leverage is healthy.

Hawthorn Bancshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Hawthorn Bancshares, Inc.'s profit margin has increased (36.32%) in the last year from 16.65% to 22.69%, signaling increasing performance

Hawthorn Bancshares, Inc.'s short-term liabilities of $1.55B exceed its short-term assets of $177.90M, signaling financial risk

Hawthorn Bancshares, Inc.'s return on assets of 1.49% is lower than the 5.00% threshold, indicating inefficient asset utilization

Hawthorn Bancshares, Inc.'s return on equity of 15.15%, is higher than 15.00%, indicating good performance

Hawthorn Bancshares, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Hawthorn Bancshares, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Hawthorn Bancshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Hawthorn Bancshares, Inc. has a free cash flow yield of 8.31%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Hawthorn Bancshares, Inc.'s yearly earnings has increased 30.37% since last year from $18.26M to $23.80M, signaling increasing performance

Hawthorn Bancshares, Inc.'s yearly revenue has increased 2.20% since last year from $109.67M to $112.08M, signaling increasing performance

ROIC 9.21% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

Hawthorn Bancshares, Inc.'s 3-year revenue CAGR of 10.43% is positive, indicating growing revenue over the past 3 years

Hawthorn Bancshares, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Hawthorn Bancshares, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Hawthorn Bancshares, Inc. is overvalued relative to its fair value price of 24.93 based on Discounted Cash Flow model

Hawthorn Bancshares, Inc. has an earnings yield of 9.60%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Hawthorn Bancshares, Inc. is overvalued relative to its fair value price of 11.68 based on EBITDA multiple model

Hawthorn Bancshares, Inc. has an EV/EBITDA ratio of 8.06x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Hawthorn Bancshares, Inc. is undervalued relative to its fair value price of 80.03 based on Earnings Fair Value model

Hawthorn Bancshares, Inc. has a PEG-ratio under 1 which is considered undervalued

Hawthorn Bancshares, Inc. has a price-to-book ratio of 1.51x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Hawthorn Bancshares, Inc. has a price-to-sales ratio of 2.37x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue