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Hawthorn Bancshares, Inc (HWBK) Fair Value & Analysis

Financial Services · US · Market cap $270M

Price$39.20
Fair Value$44.86
Upside+14.4%
Quality95/100
Evidence: High Range $33.65 – $56.08

Fair value as of: Jun 26, 2026

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Analysis

Hawthorn Bancshares, Inc (HWBK) currently trades at $39.20, while our model-based Fair Value estimate is $44.86 — implying the stock looks roughly 14.4% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Hawthorn Bancshares, Inc. operates as the bank holding company for Hawthorn Bank that provides various banking products and services to families and businesses. It offers checking and savings accounts, and certificates of deposit. The company also provides commercial and industrial, single payment personal, mortgage, installment, and commercial and residential real estate loans. In addition, it provides trust, wealth and treasury management, and brokerage services; and safety deposit boxes, debit cards, and internet banking services. Hawthorn Bancshares, Inc. was formerly known as Exchange National Bancshares, Inc. and changed its name to Hawthorn Bancshares, Inc. in 2007. The company was founded in 1865 and is headquartered in Jefferson City, Missouri.

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Frequently asked questions

Is Hawthorn Bancshares, Inc (HWBK) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $44.86 versus a price of $39.20 — about +14% (undervalued). Model-based estimate, not financial advice.
What is the fair value of HWBK?
Our 21-model fair value for Hawthorn Bancshares, Inc is $44.86 (as of Jun 26, 2026), built from audited fundamentals. The current price is $39.20.
What is the quality score of HWBK?
Hawthorn Bancshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.