Hawthorn Bancshares (HWBK) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Hawthorn Bancshares had a P/E ratio of 10.11 (down from 10.85), return on equity of 14.7% (up from 12.8%), debt-to-equity of 0.89 (up from 0.89) and return on assets of 1.3% (up from 1.0%). Its dividend yield was 2.27% with a payout ratio of 22.8%.

Hawthorn Bancshares Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	10.11	10.85	186.81	7.10	7.62	9.93
P/S Ratio	3.01	2.76	3.38	2.00	2.22	2.27
P/B Ratio	1.38	1.32	1.31	1.16	1.15	1.09
Price/Tangible Book	1.38	1.32	1.31	1.16	1.15	1.09
Price/FCF	10.53	8.77	11.51	8.32	5.79	7.40
Price/OCF	8.94	7.74	10.14	7.27	5.68	6.75
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	14.70%	12.78%	0.73%	15.02%	16.11%	11.64%
Return on Assets (ROA)	1.28%	0.99%	0.05%	1.11%	1.26%	0.89%
Leverage & Solvency Ratios
Debt/Equity	0.89	0.89	1.16	1.21	1.02	1.56
Debt/FCF	6.82	5.88	10.17	8.71	5.15	10.60
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	9.89%	9.22%	0.54%	14.08%	13.12%	10.07%
FCF Yield	9.49%	11.40%	8.69%	12.02%	17.26%	13.52%
Dividend Yield	2.27%	2.61%	2.63%	2.98%	2.24%	2.59%
Payout Ratio	22.80%	27.65%	486.30%	20.43%	16.06%	21.20%
Buyback Yield	0.83%	0.55%	0.34%	1.19%	1.88%	0.66%
Total Return	3.10%	3.17%	2.97%	4.17%	4.11%	3.25%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Hawthorn Bancshares Financial Ratios

What is Hawthorn Bancshares's P/E ratio?

Hawthorn Bancshares's P/E ratio was 10.11 for fiscal 2025 (period ended Dec 31, 2025). It was 10.85 a year earlier.

What is Hawthorn Bancshares's return on equity?

Hawthorn Bancshares's return on equity (ROE) was 14.7% for fiscal 2025 (period ended Dec 31, 2025). It was 12.8% a year earlier.

What is Hawthorn Bancshares's debt-to-equity ratio?

Hawthorn Bancshares's debt-to-equity ratio was 0.89 for fiscal 2025 (period ended Dec 31, 2025). It was 0.89 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition