HWBK Hawthorn Bancshares, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 6, 2026
$38.63
· of 52w range
· above low
· to high
$29.3952w low
$40.6052w high
Market Cap
$267M
P/E
11.3
EPS
$3.43
your badges
52W Range
$29–$41
Analyst Rating
·
Price Target
·
P/E
11.3
ROE
14.4%
Net Profit Margin
29.7%
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HWBK Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$38.63
Market Cap
$267M
P/E
11.3
EPS
$3.43
Div Yield
2.0%
ROE
14.4%
52W Range
$29–$41
HWBK Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| June 14, 2023 | 26-for-25 | Forward |
| June 14, 2022 | 26-for-25 | Forward |
| June 14, 2018 | 26-for-25 | Forward |
| June 11, 2014 | 26-for-25 | Forward |
| June 12, 2013 | 26-for-25 | Forward |
| June 13, 2012 | 26-for-25 | Forward |
| June 11, 2009 | 26-for-25 | Forward |
| July 16, 2003 | 3-for-2 | Forward |
| June 13, 2000 | 2-for-1 | Forward |
| Oct. 14, 1999 | 3-for-2 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
EPS$3.432016-12-31 → 2025-12-31
Free Cash Flow$23M2018-12-31 → 2025-12-31
Net margin29.7%2018-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | HWBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 11.35Y avg ≈43.4 | ≈43.4 | 11.4 | Undervalued | |
| P/S | 3.35Y avg ≈2.8 | ≈2.8 | 10.4 | Undervalued | |
| P/B | 1.55Y avg ≈1.3 | ≈1.3 | 1.2 | Overvalued | |
| Price / FCF | 11.75Y avg ≈10.3 | ≈10.3 | · | · | |
| Price / Cash Flow | 9.95Y avg ≈8.9 | ≈8.9 | 10.0 | Undervalued | |
| Price / Tangible Book | 1.55Y avg ≈1.3 | ≈1.3 | · | · | |
| PEG Ratio | ≈1.0 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | HWBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 2.9% | · | 3.1% | In line | |
| Pretax Margin | 36.3%5Y avg ≈27.9% | ≈27.9% | 34.5% | Top tier | |
| Net Profit Margin | 29.7%5Y avg ≈22.9% | ≈22.9% | 29.5% | Top tier | |
| ROA | 1.3%5Y avg ≈0.94% | ≈0.94% | 0.87% | Top tier | |
| ROE | 14.4%5Y avg ≈12.0% | ≈12.0% | 8.9% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | HWBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 10.0%5Y avg ≈3.6% | ≈3.6% | · | · | |
| Revenue CAGR 3Y | 3.3%5Y avg ≈0.48% | ≈0.48% | · | · | |
| Revenue CAGR 5Y | 3.3% | · | · | · | |
| EPS YoY | 31.4%5Y avg ≈349.6% | ≈349.6% | · | · | |
| Net Income YoY | 30.4%5Y avg ≈358.9% | ≈358.9% | · | · | |
| EPS CAGR 3Y | 5.3%5Y avg ≈-20.0% | ≈-20.0% | · | · | |
| EPS CAGR 5Y | 10.9% | · | · | · | |
| Net Income CAGR 3Y | 4.7%5Y avg ≈-20.5% | ≈-20.5% | · | · | |
| Net Income CAGR 5Y | 10.7% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | HWBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Top tier |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield2.0%
Payout Ratio22.8%
Annualized Payout≈$0.84
5Y Div CAGR≈12.5%
Growth Streak≈15
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Sep 15, 2026 | $0.21 | USD | ≈2.1% |
| Jun 15, 2026 | $0.21 | USD | ≈2.2% |
| Mar 13, 2026 | $0.21 | USD | ≈2.4% |
| Dec 15, 2025 | $0.20 | USD | ≈2.3% |
| Sep 15, 2025 | $0.20 | USD | ≈2.5% |
| Jun 13, 2025 | $0.20 | USD | ≈2.7% |
| Mar 14, 2025 | $0.19 | USD | ≈2.7% |
| Dec 13, 2024 | $0.19 | USD | ≈2.3% |
| Sep 13, 2024 | $0.19 | USD | ≈3.0% |
| Jun 14, 2024 | $0.19 | USD | ≈3.6% |
| Mar 14, 2024 | $0.17 | USD | ≈3.6% |
| Dec 14, 2023 | $0.17 | USD | ≈3.1% |
| Sep 14, 2023 | $0.17 | USD | ≈3.8% |
| Jun 14, 2023 | $0.17 | USD | ≈3.7% |
| Mar 14, 2023 | $0.16 | USD | ≈3.2% |
| Dec 14, 2022 | $0.16 | USD | ≈2.7% |
| Sep 14, 2022 | $0.16 | USD | ≈2.8% |
| Jun 14, 2022 | $0.16 | USD | ≈2.5% |
| Mar 14, 2022 | $0.14 | USD | ≈2.3% |
| Dec 14, 2021 | $0.14 | USD | ≈2.4% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Next Report
Oct 27, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| March 31, 2026 | $0.98 | — | — | |
| March 31, 2024 | $0.63 | — | — | |
| Sept. 30, 2023 | $0.36 | — | — | |
| Dec. 31, 2022 | $0.70 | — | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Expenses | $51M | $50M | $52M | $49M | · | · | · | · | · | · | · | · | |
| Interest Expense | · | · | $33M | $10M | $6M | $10M | $15M | $13M | $8M | $6M | · | · | |
| Interest Income | $98M | $95M | $92M | $69M | $64M | $63M | $64M | $58M | $51M | $46M | · | · | |
| Pretax Income | $29M | $22M | $432.0K | $25M | $28M | $17M | $20M | $12M | $11M | $11M | · | · | |
| Income Tax | $5M | $4M | $-524.0K | $4M | $6M | $3M | $4M | $2M | $8M | $4M | · | · | |
| Net Income | $24M | $18M | $956.0K | $21M | $23M | $14M | $16M | $11M | $3M | $7M | · | · | |
| EPS (Basic) | $3.44 | $2.61 | $0.14 | $2.94 | $3.15 | $2.04 | $2.38 | $1.64 | $0.54 | $1.19 | · | · | |
| EPS (Diluted) | $3.43 | $2.61 | $0.14 | $2.94 | $3.15 | $2.04 | $2.38 | $1.64 | $0.54 | $1.19 | · | · | |
| Shares (Basic) | 6,932,000 | 7,000,000 | 7,039,000 | 7,063,054 | 7,148,144 | 7,004,629 | 6,780,183 | 6,518,772 | 6,300,237 | 6,095,727 | · | · | |
| Shares (Diluted) | 6,942,000 | 7,000,000 | 7,039,000 | 7,063,054 | 7,148,144 | 6,489,799 | 6,525,684 | 6,524,226 | 6,305,954 | 6,095,727 | · | · | |
| EBITDA | $2M | $2M | · | · | · | · | · | · | · | · | · | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $104M | $51M | $93M | $84M | $160M | $180M | $78M | $42M | $63M | $26M | · | · | |
| PP&E (Net) | $30M | $31M | $32M | $33M | $33M | $35M | $35M | $35M | $35M | · | · | · | |
| PP&E (Gross) | $60M | $62M | $62M | $62M | $61M | $61M | $61M | $61M | $59M | · | · | · | |
| Accum. Depreciation | $30M | $31M | $30M | $29M | $28M | $27M | $26M | $26M | $24M | · | · | · | |
| Total Assets | $1.89B | $1.83B | $1.88B | $1.92B | $1.83B | $1.73B | $1.49B | $1.48B | $1.43B | · | · | · | |
| Short-term Debt | · | · | $0 | $5M | $24M | $45M | $27M | $25M | $28M | · | · | · | |
| Total Liabilities | $1.72B | $1.68B | $1.74B | $1.80B | $1.68B | $1.60B | $1.38B | $1.38B | $1.34B | · | · | · | |
| Total Debt | · | · | $0 | $5M | $24M | $45M | $27M | $25M | · | · | · | · | |
| Common Stock | $8M | $8M | $8M | $7M | $7M | $7M | $7M | $6M | $6M | · | · | · | |
| Retained Earnings | $108M | $90M | $76M | $92M | $82M | $69M | $62M | $54M | $51M | · | · | · | |
| Treasury Stock | $14M | $12M | $11M | $11M | $8M | $6M | $5M | $5M | $5M | · | · | · | |
| AOCI | $-4M | $-12M | $-14M | $-32M | $3M | $2M | $-4M | $-6M | $-6M | · | · | · | |
| Stockholders' Equity | $174M | $150M | $136M | $127M | $149M | $131M | $115M | $99M | $91M | $91M | $87M | · | |
| Liabilities + Equity | $1.89B | $1.83B | $1.88B | $1.92B | $1.83B | $1.73B | $1.49B | $1.48B | $1.43B | · | · | · | |
| Shares Outstanding | 6,901,000 | 6,989,000 | 7,039,000 | 6,769,000 | 6,616,975 | 6,480,000 | · | · | · | · | · | · |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $2M | $2M | $2M | $2M | · | · | · | · | · | · | · | · | |
| Stock-based Comp | $392.0K | $184.0K | $42.0K | $0 | $0 | · | · | $0 | $3.0K | $17.0K | · | · | |
| Deferred Tax | $1M | $1M | $-1M | $-119.0K | $-284.0K | $-1M | $-7.0K | $674.0K | $5M | $-317.0K | · | · | |
| Other Non-cash | $-838.0K | $4M | · | · | · | · | · | · | · | · | · | · | |
| Operating Cash Flow | $27M | $26M | $18M | $20M | $30M | $21M | $19M | $16M | $12M | $14M | · | · | |
| CapEx | $4M | $3M | $2M | $3M | $591.0K | $2M | $2M | $2M | $1M | $1M | · | · | |
| Investing Cash Flow | $-7M | $1M | $54M | $-207M | $-128M | $-140M | $16M | $-79M | $-113M | $-94M | · | · | |
| Stock Repurchased | $3M | $1M | $0 | $3M | $2M | $906.0K | $0 | $179.0K | $878.0K | $623.0K | · | · | |
| Net Stock Activity | $-3M | $-1M | $0 | $-3M | $-2M | $-906.0K | $0 | $-179.0K | · | · | · | · | |
| Dividends Paid | $5M | $5M | $5M | $4M | $4M | $3M | $3M | $2M | $1M | $1M | · | · | |
| Financing Cash Flow | $33M | $-69M | $-62M | $110M | $77M | $221M | $389.0K | $41M | $137M | $79M | · | · | |
| Net Change in Cash | $53M | $-42M | $10M | $-76M | $-20M | $102M | $36M | $-21M | $37M | $-1M | · | · | |
| Taxes Paid | $3M | $3M | $2M | $4M | $5M | $2M | $4M | $241.0K | $4M | $4M | · | · | |
| Free Cash Flow | $23M | $23M | $16M | $18M | $30M | $18M | $17M | $14M | · | · | · | · | |
| Levered FCF | · | · | $-57M | $9M | $25M | $10M | $5M | $3M | · | · | · | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 29.7% | 25.0% | 1.4% | 28.5% | 30.0% | 21.1% | 27.9% | 19.9% | · | · | · | · | |
| Pretax Margin | 36.3% | 30.7% | 0.65% | 34.5% | 37.7% | 25.7% | 34.6% | 23.0% | · | · | · | · | |
| EBITDA Margin | 2.9% | 2.4% | · | · | · | · | · | · | · | · | · | · | |
| ROA | 1.3% | 0.99% | 0.05% | 1.1% | 1.3% | 0.89% | 1.1% | 0.74% | · | · | · | · | |
| ROE | 14.4% | 12.3% | 0.75% | 17.1% | 15.6% | 11.2% | 14.1% | 11.0% | · | · | · | · |
Liquidity & Solvency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | · | · | 0.0 | 0.0 | 0.2 | 0.3 | 0.2 | 0.2 | · | · | · | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · | · | · | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $25.25 | $21.40 | $19.33 | · | · | · | · | · | · | · | · | · | |
| Revenue / Share | $11.55 | $10.42 | $9.47 | · | · | $10.46 | $9.19 | $8.94 | · | · | · | · | |
| Cash Flow / Share | $3.88 | $3.66 | $2.50 | · | · | $3.10 | $3.04 | $2.70 | · | · | · | · | |
| Cash / Share | $15.12 | $7.30 | $13.28 | · | · | · | · | · | · | · | · | · | |
| Dividend / Share | · | · | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | · | · | · | |
| Dividend Paid / Share | · | · | $0.68 | $0.66 | $0.58 | $0.49 | $0.46 | $0.37 | $0.27 | · | · | · | |
| EPS (TTM) | $3.43 | $2.61 | $0.14 | $2.94 | $3.15 | $2.04 | $2.38 | $1.64 | $0.54 | $1.19 | $1.34 | $1.34 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 10.0% | 9.3% | -8.3% | -3.4% | 10.4% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 3.3% | -1.1% | -0.77% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 3.3% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 31.4% | 1764.3% | -95.2% | -6.7% | 54.4% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | 5.3% | -6.1% | -59.1% | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 10.9% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 30.4% | 1809.6% | -95.4% | -7.8% | 57.5% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | 4.7% | -6.8% | -59.4% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 10.7% | · | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 12.4% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $80M | $73M | $67M | $73M | $75M | $68M | $58M | $54M | $52M | $49M | $49M | $49M | |
| Net Income TTM | $24M | $18M | $956.0K | $21M | $23M | $14M | $16M | $11M | $3M | $7M | $7M | $7M | |
| Market Cap | $241M | $198M | $179M | · | · | · | · | · | · | · | · | · | |
| Enterprise Value | · | · | $85M | · | · | · | · | · | · | · | · | · | |
| P/E | 10.2 | 10.9 | 181.2 | 7.1 | 7.6 | 9.9 | 9.9 | 11.9 | 34.2 | 13.2 | 10.4 | 9.5 | |
| P/S | 3.0 | 2.7 | 2.7 | · | · | · | · | · | · | · | · | · | |
| P/B | 1.4 | 1.3 | 1.3 | · | · | · | · | · | · | · | · | · | |
| P / Tangible Book | 1.4 | 1.3 | 1.3 | · | · | · | · | · | · | · | · | · | |
| P / Cash Flow | 8.9 | 7.7 | 10.1 | · | · | · | · | · | · | · | · | · | |
| P / FCF | 10.5 | 8.8 | 11.5 | · | · | · | · | · | · | · | · | · | |
| EV / FCF | · | · | 5.5 | · | · | · | · | · | · | · | · | · | |
| EV / Revenue | · | · | 1.3 | · | · | · | · | · | · | · | · | · | |
| Dividend Yield | 2.2% | 2.5% | 2.6% | · | · | · | · | · | · | · | · | · | |
| Earnings Yield | 9.8% | 9.2% | 0.55% | 14.1% | 13.1% | 10.1% | 10.1% | 8.4% | 2.9% | 7.6% | 9.6% | 10.6% | |
| Payout Ratio | 22.8% | 27.7% | 486.3% | 20.4% | 16.1% | 21.2% | 16.7% | 18.6% | · | · | · | · | |
| Annual Payout | $5M | $5M | $5M | $4M | $4M | $3M | $3M | $2M | $1M | $1M | · | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Expenses | $14M | $13M | $13M | $13M | $12M | $12M | $13M | $12M | $12M | $13M | · | · | · | · | · | · | |
| Interest Expense | · | · | · | · | · | · | · | · | · | $9M | · | $9M | $8M | $7M | · | $3M | |
| Interest Income | $24M | $24M | $25M | $25M | $24M | $23M | $24M | $24M | $24M | $24M | $25M | $24M | $22M | $21M | $20M | $18M | |
| Pretax Income | $9M | $7M | $8M | $7M | $7M | $7M | $6M | $6M | $6M | $5M | $-10M | $3M | $3M | $4M | $5M | $6M | |
| Income Tax | $2M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $966.0K | $-2M | $498.0K | $531.0K | $709.0K | $705.0K | $1M | |
| Net Income | $7M | $6M | $6M | $6M | $6M | $5M | $5M | $5M | $5M | $4M | $-7M | $3M | $3M | $3M | $5M | $5M | |
| EPS (Basic) | $1.06 | $0.83 | $0.90 | $0.89 | $0.88 | $0.77 | $0.66 | $0.66 | $0.66 | $0.63 | $-1.05 | $0.36 | $0.36 | $0.47 | $0.63 | $0.70 | |
| EPS (Diluted) | $1.06 | $0.83 | $0.90 | $0.88 | $0.88 | $0.77 | $0.66 | $0.66 | $0.66 | $0.63 | $-1.05 | $0.36 | $0.36 | $0.47 | $0.63 | $0.70 | |
| Shares (Basic) | 6,895,811 | 6,897,487 | · | 6,908,000 | 6,935,541 | 6,983,163 | · | 6,987,000 | 6,995,956 | 7,032,171 | · | 7,039,323 | 7,039,323 | 7,039,323 | · | 7,039,323 | |
| Shares (Diluted) | 6,906,497 | 6,914,104 | · | 6,922,000 | 6,945,064 | 6,998,176 | · | 6,987,000 | 6,995,956 | 7,032,171 | · | 7,039,323 | 7,039,323 | 7,039,323 | · | 7,039,323 | |
| EBITDA | $818.0K | $439.0K | · | $541.0K | $605.0K | $535.0K | · | · | · | · | · | · | · | · | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $33M | $102M | $104M | $100M | $100M | $102M | $51M | $54M | $76M | $43M | · | $28M | $25M | $34M | · | $41M | |
| PP&E (Net) | $30M | $31M | $30M | $30M | $30M | $32M | $31M | $31M | $32M | $32M | · | $33M | $33M | $32M | · | $33M | |
| PP&E (Gross) | · | · | $60M | · | · | · | $62M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $30M | · | · | · | $31M | · | · | · | · | · | · | · | · | · | |
| Total Assets | $1.77B | $1.86B | $1.89B | $1.93B | $1.88B | $1.88B | $1.83B | $1.81B | $1.85B | $1.83B | · | $1.88B | $1.90B | $1.90B | · | $1.85B | |
| Short-term Debt | · | · | · | · | · | · | · | · | · | · | · | $6M | $6M | $5M | · | $6M | |
| Total Liabilities | $1.59B | $1.68B | $1.72B | $1.77B | $1.72B | $1.73B | $1.68B | $1.66B | $1.71B | $1.70B | · | $1.76B | $1.77B | $1.77B | · | $1.73B | |
| Total Debt | · | · | · | · | · | · | · | · | · | · | · | $6M | $6M | $5M | · | $6M | |
| Common Stock | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $8M | · | $8M | $7M | $7M | · | $7M | |
| Retained Earnings | $118M | $112M | $108M | $103M | $98M | $94M | $90M | $86M | $83M | $80M | · | $85M | $84M | $88M | · | $88M | |
| Treasury Stock | $14M | $15M | $14M | $14M | $14M | $12M | $12M | $12M | $12M | $11M | · | $11M | $11M | $11M | · | $11M | |
| AOCI | $-5M | $-6M | $-4M | $-8M | $-12M | $-12M | $-12M | $-12M | $-17M | $-16M | · | $-40M | $-31M | $-27M | · | $-40M | |
| Stockholders' Equity | $183M | $175M | $174M | $165M | $157M | $153M | $150M | $146M | $138M | $137M | $136M | $118M | $126M | $128M | $127M | $115M | |
| Liabilities + Equity | $1.77B | $1.86B | $1.89B | $1.93B | $1.88B | $1.88B | $1.83B | $1.81B | $1.85B | $1.83B | · | $1.88B | $1.90B | $1.90B | · | $1.85B | |
| Shares Outstanding | · | · | 6,901,000 | · | · | · | 6,989,000 | · | · | · | 7,039,000 | · | · | · | 6,768,581 | · |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $818.0K | $439.0K | $647.0K | $541.0K | $215.0K | $535.0K | $302.0K | $488.0K | $462.0K | $463.0K | · | · | · | · | · | · | |
| Stock-based Comp | $152.0K | $122.0K | $111.0K | $104.0K | $96.0K | $81.0K | $65.0K | $48.0K | $42.0K | $29.0K | $42.0K | $0 | · | · | · | · | |
| Other Non-cash | · | $2M | · | · | · | $-265.0K | · | · | · | · | · | · | · | · | · | · | |
| Operating Cash Flow | $10M | $8M | $15M | $288.0K | $6M | $6M | $2M | $9M | $9M | $6M | $5M | $5M | $4M | $3M | $6M | $8M | |
| CapEx | $637.0K | $2M | $2M | $1M | $652.0K | $272.0K | $932.0K | $990.0K | $538.0K | $544.0K | $713.0K | $479.0K | $679.0K | $226.0K | $133.0K | $780.0K | |
| Investing Cash Flow | $17M | $33M | $38M | $-44M | $5M | $-6M | $-19M | $20M | $13M | $-13M | $82M | $14M | $-19M | $-23M | $-26M | $-59M | |
| Stock Repurchased | $-4.0K | $400.0K | $331.0K | $308.0K | $2M | $440.0K | $13.0K | $100.0K | $592.0K | $414.0K | $0 | $0 | $0 | $0 | $0 | $0 | |
| Net Stock Activity | · | $-400.0K | · | · | · | $-440.0K | · | · | · | $-414.0K | · | · | · | $0 | · | · | |
| Dividends Paid | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | |
| Financing Cash Flow | $-97M | $-43M | $-48M | $43M | $-13M | $52M | $13M | $-51M | $11M | $-43M | $-22M | $-16M | $6M | $-30M | $62M | $65M | |
| Net Change in Cash | $-69M | $-2M | $4M | $-419.0K | $-2M | $51M | $-3M | $-22M | $32M | $-50M | $66M | $3M | $-9M | $-50M | $42M | $13M | |
| Taxes Paid | $0 | $3M | $2M | $921.0K | $597.0K | $0 | $3M | $0 | $0 | $0 | $0 | $1M | $820.0K | $0 | $0 | $1M | |
| Free Cash Flow | · | $6M | · | · | · | $5M | · | · | · | $5M | · | · | · | $3M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-3M | · | · | · | $-3M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 32.4% | 28.4% | · | 29.8% | 31.0% | 28.7% | · | 25.3% | 25.5% | 25.1% | · | 16.4% | 16.1% | 19.1% | · | 26.6% | |
| Pretax Margin | 39.5% | 35.3% | · | 36.4% | 37.9% | 35.2% | · | 31.1% | 31.2% | 30.5% | · | 19.5% | 19.5% | 23.2% | · | 32.6% | |
| EBITDA Margin | 3.6% | 2.2% | · | 2.6% | 3.1% | 2.9% | · | · | · | · | · | · | · | · | · | · | |
| ROA | 0.40% | 0.31% | · | 0.33% | 0.33% | 0.29% | · | 0.25% | 0.25% | 0.24% | · | 0.14% | 0.14% | 0.18% | · | 0.27% | |
| ROE | 4.3% | 3.5% | · | 3.9% | 4.1% | 3.7% | · | 3.5% | 3.5% | 3.4% | · | 2.2% | 2.0% | 2.5% | · | 3.9% |
Liquidity & Solvency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | · | · | · | · | · | · | · | · | · | · | · | 0.1 | 0.0 | 0.0 | · | 0.1 |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue / Share | $3.28 | $2.92 | · | $2.97 | $2.83 | $2.68 | · | $2.59 | $2.60 | $2.53 | · | $2.24 | $2.24 | · | · | $2.74 | |
| Cash Flow / Share | · | $1.15 | · | · | · | $0.82 | · | · | · | $0.80 | · | · | · | · | · | · | |
| Dividend / Share | $0.21 | $0.21 | · | $0.20 | $0.20 | $0.19 | · | $0.19 | $0.19 | $0.17 | · | $0.17 | $0.17 | $0.17 | · | $0.17 | |
| Dividend Paid / Share | · | · | · | · | · | · | · | · | · | · | · | · | $0.17 | $0.17 | · | $0.17 | |
| EPS (TTM) | $3.67 | $3.49 | · | $3.19 | $2.97 | $2.75 | · | $0.90 | $0.60 | $0.30 | · | $1.82 | $2.16 | $2.44 | · | $3.03 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $85M | $82M | · | $78M | $75M | $74M | · | $72M | $70M | $67M | · | $67M | $70M | $72M | · | $74M | |
| Net Income TTM | $25M | $24M | · | $22M | $21M | $19M | · | $6M | $4M | $2M | · | $13M | $15M | $17M | · | $22M | |
| P/E | 10.7 | 9.7 | · | 9.7 | 9.8 | 10.3 | · | 27.8 | 33.0 | 68.1 | · | 8.9 | 8.3 | 9.2 | · | 6.9 | |
| Earnings Yield | 9.3% | 10.4% | · | 10.3% | 10.2% | 9.7% | · | 3.6% | 3.0% | 1.5% | · | 11.2% | 12.0% | 10.8% | · | 14.4% | |
| Payout Ratio | · | 24.1% | · | · | · | 24.7% | · | · | · | 26.9% | · | · | · | 35.2% | · | · | |
| Annual Payout | $6M | $5M | · | $5M | $5M | $5M | · | $5M | $5M | $5M | · | $5M | $5M | $4M | · | $4M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $24M | $18M | $956.0K | $21M | $23M |
| Diluted EPS | $3.43 | $2.61 | $0.14 | $2.94 | $3.15 |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Debt / Equity | · | · | 0.0 | 0.0 | 0.2 |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $23M | $23M | $16M | $18M | $30M |
Institutional owners (13F) 70 filers · $97.5M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
70
Value held
$97.5M
New positions
8
Exited positions
4
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 8 (+1 vs prior Q) | 4 (-2 vs prior Q) | 28 (+11 vs prior Q) | 16 (-6 vs prior Q) | +91K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| Ategra Capital Management, LLC | $13,455,927 | 342,390 | 13.79% | Shares |
| BlackRock, Inc. | $13,176,347 | 335,276 | 13.51% | Shares |
| VANGUARD GROUP INC | $11,086,399 | 317,844 | 11.37% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $9,853,375 | 250,722 | 10.10% | Shares |
| FJ Capital Management LLC | $7,494,903 | 190,710 | 7.68% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $6,351,436 | 161,622 | 6.51% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $5,856,115 | 148,965 | 6.00% | Shares |
| STATE STREET CORP | $3,349,171 | 84,776 | 3.43% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $2,547,151 | 64,813 | 2.61% | Shares |
| NORTHERN TRUST CORP | $1,889,191 | 48,071 | 1.94% | Shares |
| Pinnacle Holdings, LLC | $1,810,666 | 46,073 | 1.86% | Shares |
| MONETA GROUP INVESTMENT ADVISORS LLC | $1,758,488 | 44,745 | 1.80% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,539,774 | 39,180 | 1.58% | Shares |
| RBF Capital, LLC | $1,539,263 | 39,167 | 1.58% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,483,575 | 37,750 | 1.52% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,388,037 | 35,319 | 1.42% | Shares |
| Empowered Funds, LLC | $1,284,206 | 32,677 | 1.32% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $1,280,751 | 32,589 | 1.31% | Shares |
| GOLDMAN SACHS GROUP INC | $936,637 | 23,833 | 0.96% | Shares |
| AMERICAN CENTURY COMPANIES INC | $809,698 | 20,603 | 0.83% | Shares |
| KESTRA PRIVATE WEALTH SERVICES, LLC | $798,537 | 20,319 | 0.82% | Shares |
| Mariner, LLC | $734,044 | 18,678 | 0.75% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $632,769 | 16,101 | 0.65% | Shares |
| ALEXANDER LABRUNERIE & CO., INC. | $608,010 | 15,471 | 0.62% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $602,273 | 15,325 | 0.62% | Shares |
| Bank of New York Mellon Corp | $561,745 | 14,294 | 0.58% | Shares |
| Eagle Bluffs Wealth Management LLC | $543,144 | 13,747 | 0.56% | Shares |
| Nuveen, LLC | $451,872 | 11,498 | 0.46% | Shares |
| CITADEL ADVISORS LLC | $372,761 | 9,485 | 0.38% | Shares |
| Focus Partners Wealth | $364,625 | 9,278 | 0.37% | Shares |
| RHUMBLINE ADVISERS | $278,789 | 7,094 | 0.29% | Shares |
| HSBC HOLDINGS PLC | $246,535 | 6,569 | 0.25% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $245,745 | 6,253 | 0.25% | Shares |
| Creative Planning | $245,625 | 6,250 | 0.25% | Shares |
| CENTRAL TRUST Co | $203,103 | 5,168 | 0.21% | Shares |
| DEUTSCHE BANK AG\ | $191,509 | 4,873 | 0.20% | Shares |
| WELLS FARGO & COMPANY/MN | $191,260 | 4,867 | 0.20% | Shares |
| MORGAN STANLEY | $171,359 | 4,360 | 0.18% | Shares |
| MetLife Investment Management, LLC | $142,266 | 3,620 | 0.15% | Shares |
| Russell Investments Group, Ltd. | $135,309 | 3,443 | 0.14% | Shares |
| BARCLAYS PLC | $123,953 | 3,154 | 0.13% | Shares |
| CITIGROUP INC | $105,953 | 2,696 | 0.11% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $105,167 | 2,676 | 0.11% | Shares |
| Vanguard Global Advisers, LLC | $100,805 | 2,565 | 0.10% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $95,106 | 2,420 | 0.10% | Shares |
| JPMORGAN CHASE & CO | $93,156 | 2,409 | 0.10% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $58,950 | 1,500 | 0.06% | Shares |
| Police & Firemen's Retirement System of New Jersey | $49,872 | 1,269 | 0.05% | Shares |
| UBS Group AG | $47,396 | 1,206 | 0.05% | Shares |
| UMB Bank, n.a. | $39,300 | 1,000 | 0.04% | Shares |
Activists & 5%+ owners 2 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| PL Capital Advisors, LLC, John W. Palmer, Richard J. Lashley ×2 filings | May 9, 2023 | · | Initial filing | · | SEC |
| Ategra Community Financial Institution Fund, L.P., Ategra GP, LLC, Ategra Capital Management, LLC, Jonathan Holtaway, Jacques Rebibo ×4 filings | Aug. 19, 2020 | · | Initial filing | Passive investment | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 22 insiders · 7 officers · 16 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Christopher Eugene Hafner | Sr. VP/Chief Financial Officer | Feb. 20, 2025 A | 3,000 | 0 | 0 | $0 |
| Stephen Edward Guthrie | SENIOR VP AND CFO | June 21, 2021 P | 12,433 | 0 | 0 | $0 |
| Richard G Rose | Chief Financial Officer | Sept. 22, 2008 A | · | 0 | 0 | $0 |
| Gregg A. Bexten | PRESIDENT | June 13, 2024 P | 1,150 | 0 | 0 | $0 |
| Jason E Schwartz | SR VP/CHIEF CREDIT OFFICER | Feb. 29, 2024 P | 7,939 | 0 | 0 | $0 |
| Kathleen L Bruegenhemke | SENIOR VICE PRESIDENT | May 13, 2020 P | 4,191 | 0 | 0 | $0 |
| James Hemple Taylor Jr | SVP & Senior Credit Officer | April 27, 2007 A | 100 | 0 | 0 | $0 |
| Shawna M. Hettinger | Director | Aug. 27, 2026 P | 5,424 | 2 | 0 | $49,977 |
| James Grant Burcham | Director | June 2, 2026 A | 500 | 0 | 0 | $0 |
| Jonathan L States | Director | June 2, 2026 A | 500 | 0 | 0 | $0 |
| Douglas Todd Eden | Director | June 2, 2026 A | 500 | 0 | 0 | $0 |
| Jonathan Holtaway | Director | June 2, 2026 A | 500 | 0 | 0 | $0 |
| Gus Seitter Wetzel III | Director | June 2, 2026 A | 500 | 0 | 0 | $0 |
| Frank E. Burkhead | Director | June 2, 2026 A | 500 | 0 | 0 | $0 |
| David T Turner | Director | June 2, 2026 A | 500 | 0 | 0 | $0 |
| Philip D Freeman | Director | June 2, 2026 A | 500 | 0 | 0 | $0 |
| Kevin L Riley | Director | June 2, 2026 A | 500 | 0 | 0 | $0 |
| Gus S Wetzel II | Director | April 5, 2016 P | 80,506 | 0 | 0 | $0 |
| SMITH JAMES E/MO | Director | June 25, 2013 P | 31,283 | 0 | 0 | $0 |
| Charles G Dudenhoeffer JR | Director | May 30, 2008 P | 36,550 | 0 | 0 | $0 |
| David R Goller | Director | Sept. 15, 2006 G | 4,901 | 0 | 0 | $0 |
| Brent M Giles | · | May 1, 2026 A | 20,144 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 18 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.06% | 20,157 SH | Sept. 11, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 33,663 SH | Aug. 19, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.01% | 5,066 SH | Aug. 19, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 565 SH | Sept. 29, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 2,770 NS | July 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.01% | 118,822 SH | Sept. 11, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.01% | 19,698 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.00% | 9,575 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 732 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 4,727 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.00% | 848 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 8 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 66,108 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 179,258 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 451 SH | Aug. 19, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 56 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 4 NS | July 31, 2026 | N-PORT |
| IWN · iShares Trust | · | 52,963 SH | Sept. 11, 2026 | Daily |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| HWBK | $241M | 10.2 | 10.0% | 29.7% | 14.4% | · |
| FBLA | $232M | 183.6 | -3.8% | 2.4% | 0.39% | · |
| LCNB | $233M | 10.1 | 13.3% | 25.1% | 8.6% | · |
| WNEB | $257M | 16.8 | · | 18.5% | 6.3% | · |
| GBFH | $488M | 23.5 | · | 1.7% | 13.2% | · |
| RMBI | $147M | 12.0 | 12.5% | 23.7% | 8.3% | · |
| VABK | $215M | 11.2 | 6.7% | 33.4% | 10.8% | · |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | · |
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Source: SEC 10-Q filed Aug 6, 2026