How do I set a price alert for HWBK?

To set a HWBK price alert on Stock Alarm Pro, navigate to the HWBK quote page, select "Set Alert," choose your trigger type (price target, % move, RSI level, MACD, or volume breakout), and set your delivery channel. Stock Alarm Pro supports instant push notifications, SMS, and automated phone call alerts.

Can I get phone call alerts for HWBK?

Yes. Stock Alarm Pro provides real-time automated phone call alerts for HWBK. Phone call alerts ensure you are immediately awakened or interrupted during critical volatility events, overnight earnings moves, or strict stop-loss levels when silent push notifications might be overlooked.

What types of alerts can I set for Hawthorn Bancshares Inc?

Stock Alarm Pro supports over 125 trigger types for HWBK: price target alerts (above/below target), intraday percentage moves, RSI overbought/oversold levels, 50-day and 200-day moving average crossovers (golden cross / death cross), relative volume (RVOL) spikes, confirmed earnings date releases, and SEC Form-4 insider transaction filings.

How quickly will I be notified about HWBK price changes?

HWBK alerts are evaluated continuously in real-time against live market telemetry. Notifications are dispatched within sub-second latency via push notifications, SMS, or phone calls as soon as your trigger condition is met across regular, pre-market, and after-hours trading sessions.

Is Stock Alarm Pro free to use for HWBK alerts?

Yes, Stock Alarm Pro offers a free tier that includes 3 active price alerts for HWBK and other stocks. Full Pro membership is $20/month or $168/year with a 7-day free trial, unlocking unlimited alerts, phone call delivery, SMS, all 125+ technical indicators, institutional screeners, and real-time market telemetry across web, iOS, and Android.

HWBK Company Intelligence - Business Model, Drivers & Risks

Hawthorn Bancshares, Inc.(HWBK)

$37.82—Stale · unknown old

WatchlistChart

Hawthorn Bancshares, Inc.(HWBK)

NASDAQ • Last print unknown agoAbout this dataData status

$37.82—Stale · unknown old

WatchlistChart Studio

HWBK(HWBK)

HWBK

Hawthorn Bancshares operates as a community bank holding company serving Missouri markets through its subsidiary Hawthorn Bank, with approximately $1.4 billion in assets. The bank focuses on commercial and retail banking services including commercial real estate lending, agricultural loans, and deposit-gathering in smaller Missouri communities where it maintains local market knowledge and relationship-based lending advantages. Performance is driven by net interest margin expansion, credit quality in its commercial real estate and ag loan portfolios, and deposit franchise stability.

Financial ServicesRegional Community Banksmoderate - Community banks have semi-fixed cost structures with branch networks, compliance infrastructure, and core personnel, but can scale loan production and deposit gathering without proportional expense increases. Operating leverage improves when net interest margin expands (rising rate environments benefit asset-sensitive balance sheets) or when loan growth accelerates without requiring new branches. However, sub-$2B banks lack the scale economies of larger regionals, limiting margin expansion potential.

Business Overview

01Net interest income from commercial loans (estimated 60-65% of revenue) - commercial real estate, C&I, agricultural lending

02Net interest income from consumer loans and residential mortgages (estimated 15-20% of revenue)

03Non-interest income from deposit fees, wealth management, and mortgage banking (estimated 15-20% of revenue)

Hawthorn generates revenue primarily through net interest margin - the spread between interest earned on loans and interest paid on deposits. As a community bank with $1.4B in assets, it leverages local market knowledge in Missouri to originate commercial real estate loans, agricultural loans, and C&I loans at relationship-based pricing. The bank funds these loans through core deposits from retail and commercial customers. Pricing power comes from sticky deposit relationships in smaller markets where branch presence and personal service matter. The 71.3% gross margin reflects the efficiency of deposit funding versus loan yields, while the 26% operating margin indicates moderate overhead from branch network and compliance costs typical of sub-$2B banks.

What Moves the Stock

Net interest margin trajectory - spread compression or expansion drives 60%+ of revenue volatility

Commercial real estate credit quality - delinquencies, charge-offs, and reserve builds in CRE portfolio

Loan growth rates in commercial and agricultural portfolios relative to Missouri economic activity

Deposit beta and core deposit retention during rate cycles - ability to maintain low-cost funding

Efficiency ratio improvements or deterioration - expense management relative to revenue generation

Watch on Earnings

Net interest margin (NIM) - quarterly basis point changes and forward guidanceLoan loss provision and net charge-off ratio - credit quality indicatorsNon-performing assets ratio and criticized/classified loan trendsCore deposit growth and deposit mix (non-interest bearing vs interest-bearing)Efficiency ratio and operating expense discipline

Risk Factors

Consolidation pressure in community banking - sub-$2B banks face acquisition risk from larger regionals seeking market share and scale economies, limiting long-term independence

Digital banking disruption - fintech competitors and national digital banks erode deposit franchise advantages in smaller markets, pressuring funding costs and customer retention

Regulatory compliance burden - fixed costs of compliance disproportionately impact sub-$2B banks lacking scale, compressing efficiency ratios versus larger peers

Larger regional banks (Commerce Bancshares, UMB Financial) have superior technology platforms, product breadth, and pricing power in Missouri markets

Agricultural lending competition from Farm Credit System institutions with government-sponsored funding advantages and specialized expertise

Deposit competition from national banks and online-only banks offering higher rates without branch infrastructure costs

Commercial real estate concentration risk - CRE loans likely represent 250-350% of risk-based capital (typical for community banks), creating outsized exposure to Missouri property market corrections

Interest rate risk from asset-liability mismatch - if duration gap is mismanaged, rapid rate movements could compress NIM or create unrealized securities losses

Limited capital base at $200M market cap constrains loan growth capacity and acquisition opportunities while making capital raises dilutive

StructuralCompetitiveBalance Sheet

Macro Sensitivity

Economic Cycle

moderate-to-high - Community banks with commercial real estate and agricultural exposure are cyclically sensitive. Missouri economic activity drives loan demand, while recession risks increase credit losses in CRE and C&I portfolios. Agricultural lending ties performance to commodity prices and farm income. The 30.4% net income growth suggests recent economic strength benefited credit quality and loan demand, but this reverses quickly in downturns when provisions spike.

Interest Rates

High sensitivity to interest rate levels and yield curve shape. Community banks typically run asset-sensitive balance sheets, benefiting from rising short-term rates as loan yields reprice faster than deposit costs. However, inverted yield curves compress NIM by raising funding costs while capping loan yields. The recent rate environment likely drove margin expansion contributing to 30%+ earnings growth. Falling rates from current levels would pressure NIM as loan yields decline while deposit costs remain sticky downward.

Credit

Significant credit exposure through commercial real estate lending concentration typical of community banks. CRE performance depends on local Missouri property markets, vacancy rates, and capitalization rate trends. Agricultural loan credit quality ties to commodity prices, weather conditions, and farm profitability. Rising credit spreads and deteriorating credit conditions directly impact provision expense and capital adequacy.

Live Conditions

Dow Jones FuturesS&P 500 FuturesRussell 2000 Futures5-Year Treasury10-Year Treasury30-Year Treasury2-Year Treasury30-Day Fed Funds

Profile

value - The 1.4x price-to-book ratio and 2.1x price-to-sales suggest value orientation. Community bank investors typically seek stable dividend yields, modest growth, and potential M&A premiums. The 14.9% ROE is respectable for a sub-$2B bank but not growth-stock territory. Recent 31.8% EPS growth likely reflects cyclical margin expansion rather than sustainable high growth, attracting value investors betting on continued rate environment benefits or acquisition potential at reasonable multiples.

moderate-to-high - Small-cap community banks ($200M market cap) experience elevated volatility from limited float, illiquidity, and outsized impact from quarterly earnings surprises. The -0.4% one-year return versus +13.4% six-month return shows meaningful short-term swings. Regional economic shocks, single large credit events, or M&A speculation can drive 10-20% moves. Beta likely exceeds 1.2x relative to regional bank indices.

Key Metrics to Watch

Federal Funds Rate and 10Y-2Y yield curve spread - primary drivers of net interest margin

Missouri unemployment rate and regional GDP growth - indicators of loan demand and credit quality

Commercial real estate capitalization rates and vacancy trends in Missouri markets

Agricultural commodity prices (corn, soybeans) - drivers of farm income and ag loan performance

High yield credit spreads - leading indicator of credit cycle stress that impacts provision expense

Deposit cost beta relative to Fed Funds rate - measure of funding cost sensitivity

real estate M&A margin expansion operating leverage regulation

Explore More

Financial Services Stocks

More Financial Services stocks

Stock Comparison

Compare equities side by side

52-Week Highs Breakout

Stocks breaking to new annual highs

52-Week Lows Oversold

S&P 500 oversold value screener

Trending Momentum

Relative strength momentum leaders

Earnings Calendar

Upcoming earnings dates & reports

S&P 500 Screener

Filter and sort all 500 stocks

Strategy Focus List

Continuous multi-factor scoring & catalyst forensics

Market Movers

Today's biggest gainers and losers