HAWTHORN BANCSHARES, INC. (HWBK)
National Commercial Banks · Financial Services · $250M
Intrinsic Value (Consensus)
$74.25
Current Price
$36.17
Margin of Safety
+105.3%
105.3% Below Intrinsic Value
Value: $74
Price: $36
Valuation Model Estimates
Current Price: $36.17
DCF (Discounted Cash Flow)
$155.21
Graham Number
$44.14
Earnings Power Value
$33.30
Relative Value (P/E)
$68.60
Dividend Discount Model
$70.00
Consensus Value
$74.25
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
67
Profitability
18/25
Strength
17/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Strong earnings growth (20% YoY)
High free cash flow yield (9.2%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $3.43
- EPS (Forward)
- $4.12
- Book Value
- $25.25
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 13.7%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.3%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance