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Hawthorn Bancshares HWBK Net margin

Net margin at other companies

Midland States BancorpMSBI

10.7%—

National BanksharesNKSH

30.3%+12.1pp

Financial InstitutionsFISI

31.5%—

SB Financial GroupSBFG

23.8%+4.8pp

West BancorporationWTBA

35.6%+4.5pp

Northwest BancsharesNWBI

19.8%-1.2pp

Other financials

Income statement

Revenue$20.2M+7.7%

Net income$5.7M+6.7%

EPS (diluted)$0.83+7.8%

Balance sheet

Cash & equivalents$101.9M-0.3%

Total debt$4.9M+60.5%

Total equity$175.4M+14.3%

Total assets$1.9B-1.5%

Cash flow

Operating cash flow$8.0M+39.0%

CapEx$1.9M+588%

Free cash flow$6.1M+11.7%

Valuation

Market cap$271.04M+39.8%

Enterprise value$173.98M+81.8%

P/E11.2×+1.8×

P/S3.3×+0.7×

Profitability

FCF margin29.7%-1.5pp

Returns & leverage

Return on equity14.7%+1.5pp

Debt / equity0×0.0×

Where this comes from

Calculated from Hawthorn Bancshares’s reported figures.

net income/total revenue=29.6%

Based on trailing twelve months.

The official record: Hawthorn Bancshares’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Hawthorn Bancshares's net margin?: Hawthorn Bancshares (HWBK) reported net margin of 29.6% in Q1 2026.
How has Hawthorn Bancshares's net margin changed year-over-year?: Hawthorn Bancshares's net margin increased by 14.0% year-over-year, from 26% to 29.6%.
What is the long-term trend for Hawthorn Bancshares's net margin?: Over 4 years (2020 to 2025), Hawthorn Bancshares's net margin has grown at a 9.1% compound annual growth rate (CAGR), from 21% to 29.7%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.