HWBK
Hawthorn Bancshares, Inc.35.11
+0.07+0.2%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
242.47MP/E (TTM)
11.01Basic EPS (TTM)
3.19Dividend Yield
0.02%Recent Filings
8-K
Q4 profits up, dividend raised
Hawthorn Bancshares posted Q4 net income of $6.2M ($0.90 diluted EPS), up from $6.1M prior quarter, with full-year 2025 profits hitting $23.8M ($3.43 EPS), a 31% jump from 2024. Net interest margin expanded to 4.03% quarterly and 3.89% annually. Board hiked quarterly dividend 5% to $0.21/share, payable April 1. Solid capital at 15.49%.
10-Q
Q3 FY2025 results
Hawthorn Bancshares posted solid Q3 results, with net income up 34% year-over-year to $6.1M and $0.88 diluted EPS, while nine-month figures climbed 29% to $17.6M and $2.53 EPS—reconciled against 6.955M diluted shares. Net interest income rose 18% to $16.9M on a 61 bps wider margin of 3.97%, fueled by higher loan yields (6.12% vs. 5.83%) despite flat average loans around $1.48B; non-interest income dipped slightly to $3.7M amid softer mortgage gains, but wealth management revenue surged 54%. Expenses edged up 7% to $12.8M from staffing and occupancy, yet efficiency improved to 62.3%. Liquidity strengthened with $99.9M cash and $226.6M borrowings, including $177.1M FHLB advances, while a $10M stock buyback continues. Non-GAAP metrics not disclosed in the 10-Q. Competition from larger banks pressures deposit growth.
8-K
Q3 earnings rise, dividend set
Hawthorn Bancshares reported third-quarter 2025 net income of $6.1 million, up 34.1% from last year, with EPS steady at $0.88 and net interest margin expanding to 3.97%. Loans grew 3.5% to $1.51 billion while deposits edged up 0.5%, and credit quality held firm at 0.48% non-performing assets to loans. The board approved a $0.20 quarterly dividend, payable January 1, 2026. Strong margins fuel growth, yet non-performing assets ticked higher.
10-Q
Q2 FY2025 results
Hawthorn Bancshares posted solid Q2 results, with net income up 32% year-over-year to $6.1 million, or $0.88 per diluted share, from $4.6 million, or $0.66, as net interest income climbed 14% to $16.1 million on a 56 basis point expansion in net interest margin to 3.89%. Year-to-date, earnings rose 26% to $11.5 million, or $1.65 per share, while the provision for credit losses flipped to a $0.4 million release from a $0.2 million expense, reflecting stable asset quality with non-performing assets at 0.35% of loans. Cash equivalents swelled to $100.3 million, bolstering liquidity alongside $140.1 million in FHLB advances, yet total deposits dipped slightly to $1.52 billion. The balance sheet stays rock-solid, with equity at 8.35% of assets. Still, competition from bigger banks pressures deposit pricing.
8-K
Q2 earnings surge, dividend set
Hawthorn Bancshares reported Q2 2025 net income of $6.1 million, up 31.8% from last year, with EPS at $0.88 and net interest margin expanding to 3.89%. Loans dipped 0.5% to $1.5 billion while deposits fell 1.7%, yet credit quality held firm at 0.35% non-performing assets. The board approved a $0.20 quarterly dividend, payable October 1. Strong margins offset volume pressures.
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