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
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.
8-K
New $10M buyback approved
Hawthorn Bancshares held its 2025 annual meeting on June 3, electing four Class III directors—Gregg A. Bexten, Shawna M. Hettinger, Kevin L. Riley, and David T. Turner—to three-year terms, while ratifying Forvis Mazars as auditors and approving executive pay. Two days later, the board greenlit a $10 million stock repurchase program to buy back shares in the open market or privately, replacing the prior one with no end date. Repurchases signal confidence in valuation. Yet, execution hinges on market conditions.
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