Hawthorn Bancshares Inc
HWBKFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:59 PM ET
Price
HWBK against its 20, 50 and 200-day averages3.2% under the 52-week high of 40.60 on 12 Aug 2026. 52-week low 30.83 on 11 Nov 2025. Last 15 sessions, 5.6% high to low
Volume 0.72× normal · the line is the 50-bar volume average
Profile
HWBKHawthorn Bancshares, Inc. operates as a bank holding company, which engages in the banking services to individual and corporate customers through its subsidiary, Hawthorn Bank. It operates through the following segments: Bank and Wealth Management. The Bank segment offer customers checking and savings accounts, internet banking, debit cards, certificates of deposit, brokerage services, safety deposit boxes and a wide range of lending services, including commercial and industrial loans, single payment personal loans, installment loans and commercial and residential real estate loans. The Wealth Management segment engages with a diverse mix of national banks, regional banks and other community banks, as well as commercial banks, full-service firms, and brokerage houses, alongside disruptive robo-advisors, fintech platforms, and independent advisors, both inside and outside the markets. The company was founded in 1865 and is headquartered in Jefferson City, MO.
| Index | RUT |
|---|---|
| Employees | 263 |
| IPO | Jul 20, 1999 |
| Beta | 0.49 |
| ATR, 14d | 0.91 |
| Rel volume | 0.72 |
| Short float | 2.70% |
| Insider own | 10.47% |
| Inst own | 31.76% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | 287.50M |
| Enterprise Value | - |
| Income | 26.32M |
| Sales | 116.63M |
| Book/sh | 26.12 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | 0.83 (2.11%) |
| Dividend Ex-Date | Dec 15, 2026 |
| Dividend Gr. 3/5Y | 8.41% 12.94% |
| Payout | 23.04% |
| Employees | 263 |
| IPO | Jul 20, 1999 |
Ratios
| P/E | 10.36 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 2.47 |
| P/B | 1.50 |
| P/C | - |
| P/FCF | 10.85 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.09 |
| Debt/Eq | 0.70 |
| LT Debt/Eq | 0.70 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 3.79 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | 5.29% 11.86% |
| Sales past 3/5Y | 10.39% 7.59% |
| EPS Y/Y TTM | 18.90% |
| Sales Y/Y TTM | 5.50% |
| EPS Q/Q | 13.60% |
| Sales Q/Q | 6.36% |
| Earnings | - |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 10.47% |
|---|---|
| Insider Trans | 0.18% |
| Inst Own | 31.76% |
| Inst Trans | 1.22% |
| ROA | 1.29% |
| ROE | 14.79% |
| ROIC | 8.11% |
| Gross Margin | - |
| Oper. Margin | 26.97% |
| Profit Margin | 22.56% |
| SMA20 | 0.59% |
| SMA50 | 1.21% |
| SMA200 | 6.60% |
| Trades | - |
Technical
| Shs Outstand | 7.31M |
|---|---|
| Shs Float | 6.55M |
| Short Float | 2.70% |
| Short Ratio | 10.80 |
| Short Interest | 0.18M |
| 52W High | 40.60 -3.20% |
| 52W Low | 30.83 27.47% |
| Volatility | 2.70% 2.16% |
| ATR (14) | 0.91 |
| RSI (14) | 52.95 |
| Beta | 0.49 |
| Rel Volume | 0.72 |
| Avg Volume | 16.38K |
| Volume | 11,768 |
Performance
| Perf Week | -1.92% |
|---|---|
| Perf Month | 3.53% |
| Perf Quarter | -2.14% |
| Perf Half Y | 7.64% |
| Perf YTD | 12.67% |
| Perf Year | 24.84% |
| Perf 3Y | 83.73% |
| Perf 5Y | 65.40% |
| Perf 10Y | 248.26% |
| Recom | - |
| Target Price | - |
| Prev Close | 39.25 |
| Price | 39.30 |
| Change % | 0.13% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| SMBC | Southern Missouri Bancorp Inc | 778.15M |
| GSBC | Great Southern Bancorp Inc | 870.47M |
| EQBK | Equity Bancshares Inc | 1.01B |
| LARK | Landmark Bancorp Inc | 197.71M |
| ATLO | Ames National Corp | 302.04M |
| CBC | Central Bancompany Inc | 9.20B |
| WTBA | West Bancorporation | 521.20M |
| EFSC | Enterprise Financial Services Corp | 2.23B |
| CZWI | Citizens Community Bancorp Inc MD | 223.29M |
| CBSH | Commerce Bancshares Inc | 7.91B |
Insider trading
2 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Hettinger Shawna M. | Director | Aug 26 '26 | Buy | 38.75 | 645 | 25,000 | 4,769 | Aug 28 02:53 PM |
| Hettinger Shawna M. | Director | Aug 27 '26 | Buy | 38.20 | 654 | 25,000 | 5,424 | Aug 28 02:53 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| IWM | iShares Russell 2000 Index Fund | AUM: 77.38B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.10B |
| BSVO | EA Bridgeway Omni Small-Cap Value ETF | AUM: 2.44B |
| DFSV | US Small Cap Value Portfolio ETF Class Shares | AUM: 8.52B |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.75B |
| DFAC | U.S. Core Equity 2 Portfolio-ETF Class Shares | AUM: 49.14B |
| DFAT | U.S. Targeted Value Portfolio-ETF Class Shares | AUM: 14.47B |
| DFMC | U.S. Micro Cap Portfolio ETF Class Shares | AUM: 212.10M |
News
latest 14 of 200- Hawthorn: Q3 Earnings Snapshot (Associated Press)
- Hawthorn Bancshares Reports Third Quarter 2026 Results (GlobeNewswire)
- Hawthorn Bancshares Announces Cash Dividend (GlobeNewswire)
- Hawthorn Bancshares Mourns Passing of Board Director Jonathan "Jon" Holtaway (GlobeNewswire)
- Hawthorn Bancshares, Inc. Completes Merger with FSC Bancshares, Inc. (GlobeNewswire)
- Hawthorn: Q2 Earnings Snapshot (Associated Press)
- Hawthorn Bancshares Reports Second Quarter 2026 Results (GlobeNewswire)
- Hawthorn Bancshares Announces Cash Dividend (GlobeNewswire)
- Hawthorn: Q1 Earnings Snapshot (Associated Press)
- Hawthorn Bancshares Reports First Quarter 2026 Results (GlobeNewswire)
- Hawthorn Bancshares Announces Cash Dividend (GlobeNewswire)
- Hawthorn Bancshares, Inc. Announces Appointment of Grant Burcham to its Board of Directors (GlobeNewswire)
- Hawthorn Bancshares, Inc. Expands Missouri Presence with Acquisition of FSC Bancshares, Inc. (GlobeNewswire)
- HWBK Stock Gains Post Q4 Earnings, Net Interest Margin Expands (Zacks)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q1 | 2026-05-06 | - | - | 0.831 | - | - | - |
| 2025Q4 | 2026-01-28 | - | - | 0.896 | - | - | - |
| 2025Q3 | 2025-10-29 | - | - | 0.886 | - | - | - |
| 2025Q2 | 2025-07-30 | - | - | 0.879 | - | - | - |
| 2025Q1 | 2025-04-30 | - | - | 0.769 | - | - | - |
| 2024Q4 | 2025-01-22 | - | - | 0.658 | - | - | - |
| 2024Q3 | 2024-10-30 | - | - | 0.655 | - | - | - |
| 2024Q2 | 2024-07-30 | - | - | 0.662 | - | - | - |
| 2024Q1 | 2024-04-24 | - | - | 0.634 | - | - | - |
| 2023Q4 | 2024-01-30 | - | - | -1.057 | - | - | - |
| 2023Q3 | 2023-10-25 | - | - | 0.366 | - | - | - |
| 2023Q2 | 2023-07-26 | - | - | 0.362 | - | - | - |
| 2023Q1 | 2023-04-26 | - | - | 0.465 | - | - | - |
| 2022Q4 | 2023-01-30 | - | - | 0.671 | - | - | - |
| 2022Q3 | 2022-10-26 | - | - | 0.700 | - | - | - |
| 2022Q2 | 2022-07-27 | - | - | 0.638 | - | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2010FY | -0.745 | 0.214 | -0.745 | 53.47 | 52.59 |
| 2012FY | 0.136 | - | 0.136 | 50.91 | - |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 0.463 | 1.46 | 2.195 | 1.958 | 3.146 | 2.938 | 0.136 | 2.608 | 3.429 | 3.7939 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.655 | 0.658 | 0.769 | 0.879 | 0.886 | 0.896 | 0.831 | 1.061 | 1.006 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 59.488 | 67.217 | 72.867 | 77.675 | 80.958 | 83.234 | 99.504 | 109.671 | 111.955 | 116.63 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 27.602 | 27.446 | 26.944 | 27.452 | 28.713 | 28.846 | 27.513 | 29.734 | 30.54 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 7.336 | 7.342 | 7.342 | 7.289 | 7.157 | 7.039 | 7.039 | 6.989 | 6.901 | 7.314 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 6.987 | 6.989 | 6.973 | 6.917 | 6.906 | 6.901 | 6.89 | 6.901 | 7.314 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 100.81 | 97.66 | 95.35 | 91.97 | 69.26 | 64.45 | 62.98 | 63.97 | 57.78 |
| Total Interest Expense | 29.58 | 31.78 | 36.76 | 32.83 | 10.49 | 5.91 | 9.72 | 15.23 | 13.19 |
| Net Interest Income | 71.23 | 65.88 | 58.59 | 59.14 | 58.76 | 58.55 | 53.26 | 48.74 | 44.59 |
| Loan Loss Provision | 0.99 | 0.36 | 1.03 | 2.34 | -0.90 | -1.70 | 5.80 | 1.15 | 1.48 |
| Net Interest Income After Loan Loss Provision | 70.24 | 65.52 | 57.57 | 56.80 | 59.66 | 60.24 | 47.46 | 47.59 | 43.12 |
| Non-Interest Income | 15.83 | 14.30 | 14.32 | 7.54 | 13.98 | 16.50 | 14.69 | 8.90 | 9.44 |
| Non-Interest Expense | 54.62 | 50.72 | 49.53 | 63.91 | 48.55 | 48.53 | 44.68 | 38.73 | 40.33 |
| Operating Income | 31.45 | 29.10 | 22.36 | 0.43 | 25.09 | 28.21 | 17.48 | 17.75 | 12.23 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 31.45 | 29.10 | 22.36 | 0.43 | 25.09 | 28.21 | 17.48 | 19.94 | 12.38 |
| Income Taxes | 5.14 | 5.30 | 4.10 | -0.52 | 4.34 | 5.70 | 3.18 | 3.82 | 1.67 |
| Consolidated Net Income | 26.32 | 23.80 | 18.26 | 0.96 | 20.75 | 22.52 | 14.29 | 16.11 | 10.71 |
| Net Income From Continuing Operations | 26.32 | 23.80 | 18.26 | 0.96 | 20.75 | 22.52 | 14.29 | 16.11 | 10.71 |
| Net Income | 26.32 | 23.80 | 18.26 | 0.96 | 20.75 | 22.52 | 14.29 | 16.11 | 10.71 |
| EPS (Recurring) | 3.75 | 3.43 | 2.61 | 0.14 | 2.94 | 3.15 | 1.96 | 2.19 | 1.46 |
| EPS (Basic, Before Extraordinaries) | 3.80 | 3.43 | 2.61 | 0.14 | 2.94 | 3.15 | 1.96 | 2.19 | 1.46 |
| EPS (Diluted) | 3.79 | 3.43 | 2.61 | 0.14 | 2.94 | 3.15 | 1.96 | 2.19 | 1.46 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 2.18 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 0.40 | 0.31 | 0.15 | - | - | - | - | - | 0.00 |
| Price To Earnings Ratio | 10.36 | 10.36 | 31.76 | 13.61 | 6.75 | 7.62 | 9.94 | 9.93 | 11.84 |
| Price To Sales Ratio | 2.29 | 2.16 | 1.81 | 1.79 | 1.78 | 2.12 | 1.83 | 2.20 | 1.89 |
| Operating Margin | 26.97 | 25.99 | 20.39 | 0.43 | 30.14 | 34.85 | 22.50 | 24.36 | 18.19 |
| Net Margin | 22.56 | 21.26 | 16.65 | 0.96 | 24.93 | 27.81 | 18.40 | 22.11 | 15.94 |
| Shares Outstanding | 7.31 | 6.90 | 6.99 | 7.04 | 7.04 | 7.16 | 7.29 | 7.34 | 7.34 |
| Market Capitalization | 271.20 | 271.20 | 198.07 | 178.59 | 147.35 | 171.64 | 141.91 | 160.04 | 126.91 |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 26.77 | 24.35 | 24.39 | 25.29 | 25.00 | 23.91 | 23.46 | 23.92 |
| Total Interest Expense | 7.48 | 7.09 | 7.29 | 7.71 | 8.14 | 7.77 | 8.16 | 8.58 |
| Net Interest Income | 19.29 | 17.26 | 17.10 | 17.58 | 16.86 | 16.14 | 15.29 | 15.35 |
| Loan Loss Provision | 0.30 | 0.24 | 0.07 | 0.38 | 0.38 | -0.05 | -0.34 | 0.30 |
| Net Interest Income After Loan Loss Provision | 18.99 | 17.02 | 17.03 | 17.20 | 16.49 | 16.19 | 15.63 | 15.05 |
| Non-Interest Income | 3.77 | 5.38 | 3.12 | 3.56 | 3.71 | 3.54 | 3.49 | 3.52 |
| Non-Interest Expense | 14.91 | 13.47 | 13.02 | 13.22 | 12.71 | 12.27 | 12.52 | 12.92 |
| Operating Income | 7.85 | 8.93 | 7.13 | 7.54 | 7.49 | 7.47 | 6.60 | 5.65 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 7.85 | 8.93 | 7.13 | 7.54 | 7.49 | 7.47 | 6.60 | 5.65 |
| Income Taxes | 0.79 | 1.60 | 1.39 | 1.36 | 1.36 | 1.37 | 1.21 | 1.05 |
| Consolidated Net Income | 7.06 | 7.33 | 5.74 | 6.18 | 6.13 | 6.10 | 5.38 | 4.60 |
| Net Income From Continuing Operations | 7.06 | 7.33 | 5.74 | 6.18 | 6.13 | 6.10 | 5.38 | 4.60 |
| Net Income | 7.06 | 7.33 | 5.74 | 6.18 | 6.13 | 6.10 | 5.38 | 4.60 |
| EPS (Recurring) | 1.01 | 1.06 | 0.83 | 0.90 | 0.89 | 0.88 | 0.77 | 0.66 |
| EPS (Basic, Before Extraordinaries) | 1.01 | 1.06 | 0.83 | 0.90 | 0.89 | 0.88 | 0.77 | 0.66 |
| EPS (Diluted) | 1.01 | 1.06 | 0.83 | 0.90 | 0.89 | 0.88 | 0.77 | 0.66 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 0.14 | 0.08 | 0.10 | 0.09 | 0.08 | 0.08 | 0.06 | - |
| Price To Earnings Ratio | 10.36 | 11.26 | 9.82 | 10.93 | 10.49 | 10.62 | 10.83 | 31.76 |
| Price To Sales Ratio | 2.29 | 2.36 | 2.07 | 2.15 | 1.94 | 1.85 | 1.80 | 1.79 |
| Operating Margin | 25.69 | 30.03 | 25.92 | 26.16 | 26.09 | 27.20 | 24.48 | 20.59 |
| Net Margin | 23.12 | 24.64 | 20.87 | 21.44 | 21.36 | 22.22 | 19.98 | 16.75 |
| Shares Outstanding | 7.31 | 6.90 | 6.89 | 6.90 | 6.91 | 6.92 | 6.97 | 6.99 |
| Market Capitalization | 271.20 | 271.04 | 232.52 | 240.59 | 214.36 | 201.98 | 197.10 | 198.07 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 16.63 | 23.67 | 15.68 | 18.66 | 17.29 | 19.23 | 22.58 | 23.69 | 23.32 |
| Investments | 305.39 | 252.19 | 276.70 | 325.70 | 466.34 | 379.99 | 247.31 | 254.52 | 280.59 |
| Net Loans | 1,465.68 | 1,444.12 | 1,515.40 | 1,505.66 | 1,285.23 | 1,268.85 | 1,156.75 | 1,134.97 | 1,057.58 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | 4.05 | 1.45 | 1.74 | 8.79 | 10.53 | 12.29 | 12.78 | 13.69 | 13.18 |
| Net Property, Plant & Equipment | 29.96 | 31.17 | 32.05 | 32.86 | 32.72 | 34.56 | 35.39 | 34.89 | 34.81 |
| Interest Receivables | 8.45 | 8.22 | 8.66 | 7.95 | 6.62 | 6.64 | 6.48 | 6.16 | 5.63 |
| Other Intangible Assets | 64.68 | 64.38 | 25.12 | 23.91 | 12.83 | 12.16 | 11.68 | 13.75 | 14.10 |
| Total Assets | 1,894.85 | 1,825.18 | 1,875.35 | 1,923.54 | 1,831.55 | 1,733.73 | 1,492.96 | 1,481.68 | 1,429.22 |
| Total Deposits | 1,554.15 | 1,533.18 | 1,570.84 | 1,632.08 | 1,516.82 | 1,383.61 | 1,186.52 | 1,198.47 | 1,125.81 |
| Total Debt | 155.46 | 132.69 | 157.70 | 154.21 | 152.57 | 203.45 | 225.39 | 202.12 | 198.43 |
| Long Term Debt | 71.71 | 92.30 | 131.45 | 127.65 | 118.95 | 128.68 | 148.54 | 165.89 | 107.64 |
| Provision for Risks Charges | 1.00 | 0.90 | 0.95 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Liabilities | 10.01 | 8.87 | 9.78 | 9.84 | 13.20 | 16.09 | 15.50 | 14.51 | 13.61 |
| Total Liabilities | 1,720.62 | 1,675.64 | 1,739.27 | 1,796.13 | 1,682.59 | 1,603.14 | 1,427.41 | 1,415.11 | 1,337.85 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 174.23 | 149.55 | 136.09 | 127.41 | 148.96 | 130.59 | 115.04 | 99.41 | 91.37 |
| Total Shareholders Equity | 174.23 | 149.55 | 136.09 | 127.41 | 148.96 | 130.59 | 115.04 | 99.41 | 91.37 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 174.23 | 149.55 | 136.09 | 127.41 | 148.96 | 130.59 | 115.04 | 99.41 | 91.37 |
| Total Liabilities & Stockholders Equity | 1,894.85 | 1,825.18 | 1,875.35 | 1,923.54 | 1,831.55 | 1,733.73 | 1,542.45 | 1,514.52 | 1,429.22 |
| Book Value Per Share | 25.25 | 21.40 | 19.33 | 18.10 | 20.81 | 17.92 | 15.67 | 13.54 | 12.45 |
| Tangible Book Value Per Share | 25.25 | 21.40 | 19.33 | 18.10 | 20.81 | 17.92 | 15.67 | 13.54 | 12.45 |
| Tier 1 Capital | 227.24 | 212.78 | 199.40 | 201.59 | 193.66 | 172.59 | 157.14 | 139.53 | 129.37 |
| Tier 2 Capital | 19.95 | 19.62 | 22.19 | 21.28 | 17.06 | 20.63 | 22.29 | 25.79 | 26.68 |
| Full-Time Employees | 263 | 255 | 284 | 320 | 309 | 306 | 294 | 301 | 349 |
| Price to Book Ratio | 1.50 | 1.35 | 1.51 | 1.28 | 1.15 | 1.09 | 1.39 | 1.28 | 1.25 |
| Return on Assets | 1.28 | 0.99 | 0.05 | 1.11 | 1.26 | 0.89 | 1.08 | 0.74 | 0.25 |
| Return on Equity | 14.70 | 12.78 | 0.73 | 15.02 | 16.11 | 11.64 | 15.03 | 11.23 | 3.74 |
| Return on Invested Capital | 9.68 | 7.55 | 0.36 | 8.14 | 8.40 | 5.51 | 6.11 | 4.04 | 1.72 |
| Current Ratio | 0.10 | 0.06 | 0.09 | 0.16 | 0.37 | 0.46 | 0.32 | 0.25 | 0.25 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | 28.12 | 25.00 | 25.57 | 20.88 | 20.02 | 18.62 | 17.21 | 18.43 | 14.50 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 3.35 | 1.92 | 0.02 | -2.50 | -3.95 | 1.92 | 0.51 | -0.27 | 1.28 |
| Cash from Operating Activities | 31.47 | 26.92 | 25.59 | 18.38 | 16.07 | 20.55 | 17.71 | 18.16 | 15.78 |
| Capital Expenditures | -4.97 | -4.08 | -38.00 | -2.10 | -2.57 | -0.59 | -1.83 | -2.17 | -2.33 |
| Net Assets From Acquisitions | -10.30 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -6.70 | 0.00 |
| Sale of Fixed Assets and Businesses | 1.97 | 0.11 | 0.42 | 0.17 | 0.32 | 0.05 | 0.18 | 0.02 | 0.01 |
| Purchase or Sale of Investments | -15.62 | 19.77 | -27.95 | 72.08 | 14.09 | -116.70 | -19.60 | 47.46 | 10.95 |
| Purchase of Investments | -47.16 | -20.63 | -57.25 | -29.51 | -21.28 | -178.58 | -100.21 | -31.11 | -103.08 |
| Sale Or Maturity of Investments | 31.54 | 40.40 | 29.30 | 101.59 | 35.37 | 61.87 | 80.61 | 78.57 | 114.02 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.22 | 0.00 |
| Cash from Investing Activities | 90.98 | -6.86 | 1.25 | 53.42 | -202.33 | -117.87 | -136.26 | 17.48 | -78.05 |
| Cash Dividends Paid | -5.66 | -5.43 | -5.05 | -4.65 | -4.24 | -3.62 | -3.03 | -2.68 | -1.99 |
| Change in Capital Stock | -0.73 | -2.86 | -1.12 | 0.00 | -2.89 | -2.15 | -0.91 | 0.00 | -0.04 |
| Repurchase of Common Pref Stock | -0.73 | -2.86 | -1.12 | 0.00 | -2.89 | -2.15 | -0.91 | 0.00 | -0.18 |
| Sale of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.14 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.14 |
| Issuance or Reduction of Debt, Net | -70.00 | 20.57 | -25.48 | 3.81 | 1.94 | -50.58 | 27.64 | 4.39 | -29.14 |
| Change in Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | -188.57 | 33.26 | -69.30 | -62.07 | 110.07 | 76.87 | 220.79 | 0.39 | 41.48 |
| Net Change in Cash | -66.11 | 53.32 | -42.46 | 9.73 | -76.19 | -20.45 | 102.24 | 36.04 | -20.80 |
| Free Cash Flow | 26.50 | 22.84 | 22.59 | 16.28 | 13.51 | 19.96 | 15.88 | 16.00 | 13.46 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow | 12.80 | 13.90 | 11.31 | 15.35 | 15.95 | 10.50 | 11.06 | 12.02 | 11.07 |
| Federal Home Loan Advances Increase (Decrease) | - | -0.83 | 1.15 | 0.09 | -0.96 | 0.97 | -0.53 | -0.13 | 0.88 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 17.47 | 22.90 | 13.37 | 16.63 | 17.61 | 22.91 |
| Investments | 296.46 | 247.16 | 300.50 | 305.39 | 311.06 | 308.06 |
| Net Loans | 1,665.69 | 1,395.63 | 1,433.24 | 1,465.68 | 1,492.10 | 1,441.33 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 36.15 | 30.47 | 30.76 | 29.96 | 32.63 | 32.35 |
| Interest Receivables | 9.46 | 7.74 | 8.33 | 8.45 | 8.37 | 7.76 |
| Other Intangible Assets | 114.67 | 66.94 | 65.89 | 64.68 | 67.91 | 62.58 |
| Total Assets | 2,141.08 | 1,773.04 | 1,855.86 | 1,894.85 | 1,932.11 | 1,877.42 |
| Total Deposits | 1,790.95 | 1,488.19 | 1,518.32 | 1,554.15 | 1,525.92 | 1,517.99 |
| Total Debt | 133.53 | 83.54 | 148.72 | 155.46 | 229.36 | 192.48 |
| Long Term Debt | 133.29 | 83.06 | 148.02 | 71.71 | 229.22 | 192.21 |
| Provision for Risks Charges | 1.70 | 1.50 | 1.20 | 1.00 | 1.00 | 1.00 |
| Other Liabilities | 23.86 | 17.02 | 12.23 | 10.01 | 10.89 | 9.13 |
| Total Liabilities | 1,950.04 | 1,590.25 | 1,680.47 | 1,720.62 | 1,767.17 | 1,720.59 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 191.04 | 182.79 | 175.39 | 174.23 | 164.94 | 156.82 |
| Total Shareholders Equity | 191.04 | 182.79 | 175.39 | 174.23 | 164.94 | 156.82 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 191.04 | 182.79 | 175.39 | 174.23 | 164.94 | 156.82 |
| Total Liabilities & Stockholders Equity | 2,141.08 | 1,773.04 | 1,855.86 | 1,894.85 | 1,932.11 | 1,877.42 |
| Book Value Per Share | 26.12 | 26.49 | 25.46 | 25.25 | 23.88 | 22.67 |
| Tangible Book Value Per Share | 22.57 | 26.49 | 25.46 | 25.25 | 23.88 | 22.67 |
| Tier 1 Capital | 239.14 | 235.89 | 229.86 | 227.24 | 222.65 | 218.11 |
| Tier 2 Capital | 22.97 | 19.50 | 19.72 | 19.95 | 20.39 | 19.67 |
| Full-Time Employees | 316 | 269 | 276 | 263 | 259 | 250 |
| Price to Book Ratio | 1.50 | 1.54 | 1.33 | 1.46 | 1.37 | 1.32 |
| Return on Assets | 1.29 | 1.39 | 1.29 | 1.28 | 1.19 | 1.11 |
| Return on Equity | 14.79 | 14.95 | 14.70 | 14.70 | 14.27 | 14.00 |
| Return on Invested Capital | 2.18 | 2.76 | 1.78 | 2.51 | 1.56 | 1.75 |
| Current Ratio | 0.09 | 0.10 | 0.27 | 0.10 | 0.26 | 0.26 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | 7.81 | 6.19 | 6.40 | 7.72 | 5.31 | 6.87 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | -9.63 | 3.99 | 1.57 | 7.42 | -5.03 | -1.11 |
| Cash from Operating Activities | -1.82 | 10.18 | 7.97 | 15.14 | 0.29 | 5.76 |
| Capital Expenditures | -0.33 | -0.64 | -1.87 | -2.13 | -1.02 | -0.65 |
| Net Assets From Acquisitions | -10.30 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.03 | 1.87 | 0.03 | 0.05 | 0.01 | -0.00 |
| Purchase or Sale of Investments | -1.50 | -25.90 | 1.36 | 10.41 | 9.89 | -0.71 |
| Purchase of Investments | -8.84 | -31.95 | -4.51 | -1.85 | -5.45 | -6.68 |
| Sale Or Maturity of Investments | 7.34 | 6.06 | 5.88 | 12.27 | 15.34 | 5.97 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | 2.86 | 17.30 | 33.05 | 37.76 | -43.93 | 5.29 |
| Cash Dividends Paid | -1.45 | -1.45 | -1.38 | -1.38 | -1.39 | -1.33 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | 0.00 | 0.00 | -0.40 | -0.33 | -0.31 | -1.78 |
| Repurchase of Common Pref Stock | 0.00 | 0.00 | -0.40 | -0.33 | -0.31 | -1.78 |
| Sale of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | 24.00 | -63.11 | -7.71 | -74.99 | 36.99 | 16.00 |
| Change in Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | 0.00 | -1.91 | 1.91 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | -0.02 | -96.66 | -43.42 | -48.47 | 43.22 | -13.01 |
| Net Change in Cash | 1.02 | -69.18 | -2.39 | 4.44 | -0.42 | -1.96 |
| Free Cash Flow | -2.15 | 9.54 | 6.10 | 13.01 | -0.73 | 5.11 |
| Price to Free Cash Flow | 12.80 | 12.16 | 12.94 | 13.82 | 39.31 | 14.06 |
Revenue breakdown
| United States | 2024: 72.91M 2025: 80.19M |
|---|---|
| Bank | 2024: 75.76M 2025: 79.56M |
| Consolidation, Policy | 2024: -2.84M 2025: 631.00K |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 2.86% | 0.2M | 6.2M | 15.69K |
| 2026-10-15 | 2.85% | 0.2M | 6.2M | 16.30K |
| 2026-09-30 | 2.65% | 0.2M | 6.2M | 15.57K |
| 2026-09-15 | 2.42% | 0.1M | 6.2M | 16.32K |
| 2026-08-31 | 1.98% | 0.1M | 6.2M | 14.88K |
| 2026-08-14 | 1.46% | 0.1M | 6.2M | 13.84K |
| 2026-07-31 | 1.09% | 0.1M | 6.2M | 13.09K |
| 2026-07-15 | 1.12% | 0.1M | 6.2M | 11.62K |
| 2026-06-30 | 1.12% | 0.1M | 6.2M | 10.99K |
| 2026-06-15 | 0.75% | 0.0M | 6.2M | 8.45K |
| 2026-05-29 | 0.73% | 0.0M | 6.2M | 8.08K |
| 2026-05-15 | 0.82% | 0.0M | 5.6M | 7.92K |
| 2026-04-30 | 0.78% | 0.0M | 6.2M | 7.21K |
| 2026-04-15 | 0.82% | 0.1M | 6.2M | 6.90K |
| 2026-03-31 | 0.94% | 0.1M | 6.2M | 6.72K |
| 2026-03-13 | 1.05% | 0.1M | 6.2M | 7.19K |
| 2026-02-27 | 1.11% | 0.1M | 6.2M | 8.10K |
| 2026-02-13 | 0.96% | 0.1M | 6.2M | 8.45K |
| 2026-01-30 | 1.53% | 0.1M | 5.7M | 9.46K |
| 2026-01-15 | 1.48% | 0.1M | 5.7M | 9.84K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-09 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-11-03 | 8-K/A | 2026-09-03 | SEC | |
| 2026-10-30 | 8-K | Current report | 2026-10-28 | SEC |
| 2026-09-10 | 8-K | Current report | 2026-09-10 | SEC |
| 2026-09-04 | 8-K | Current report | 2026-09-03 | SEC |
| 2026-08-28 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-26 | SEC |
| 2026-08-06 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-07-29 | 8-K | Current report | 2026-07-29 | SEC |
| 2026-07-22 | 424B3 | SEC | ||
| 2026-07-21 | EFFECT | Effectiveness filing by commission order | SEC | |
| 2026-07-17 | S-4/A | SEC | ||
| 2026-07-14 | 8-K | Current report | 2026-07-10 | SEC |
| 2026-06-26 | S-4 | Registration statement for securities to be issued in business combination transactions | SEC | |
| 2026-06-25 | 11-K | Annual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d) | 2025-12-31 | SEC |
| 2026-06-08 | 8-K | Current report | 2026-06-02 | SEC |
| 2026-06-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-02 | SEC |
| 2026-06-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-02 | SEC |
| 2026-06-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-02 | SEC |
| 2026-06-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-02 | SEC |
| 2026-06-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-02 | SEC |
| 2026-06-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-02 | SEC |
| 2026-06-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-02 | SEC |
| 2026-06-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-02 | SEC |
| 2026-06-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-02 | SEC |
| 2026-06-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-02 | SEC |
| 2026-05-11 | 3 | Initial statement of beneficial ownership of securities | 2026-04-29 | SEC |
| 2026-05-08 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-05-06 | 8-K/A | 2026-04-29 | SEC | |
| 2026-05-05 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-01 | SEC |
| 2026-04-29 | 8-K | Current report | 2026-04-29 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 50.00K | 2 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| Ategra Capital Management, LLC | 4.96% |
| BlackRock, Inc. | 4.86% |
| VANGUARD CAPITAL MANAGEMENT LLC | 3.64% |
| FJ Capital Management LLC | 2.77% |
| DIMENSIONAL FUND ADVISORS LP | 2.38% |
| GEODE CAPITAL MANAGEMENT, LLC | 2.16% |
| STATE STREET CORP | 1.23% |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | 0.94% |
| NORTHERN TRUST CORP | 0.70% |
| Pinnacle Holdings, LLC | 0.67% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.60% |
| iShares Russell 2000 ETF | 1.76% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.93% |
| Fidelity Small Cap Index Fund | 0.92% |
| iShares Russell 2000 Value ETF | 0.77% |
| U.S. SMALL CAP VALUE PORTFOLIO | 0.50% |
| VANGUARD RUSSELL 2000 INDEX FUND | 0.48% |
| EA Bridgeway Omni Small-Cap Value ETF | 0.47% |
| Fidelity Extended Market Index Fund | 0.43% |
| U.S. MICRO CAP PORTFOLIO | 0.29% |
OakChart. HWBK. Cached 15 minutes.
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