What Is Hawthorn Bancshares, Inc. (HWBK) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, our multi-model framework produces a cautiously optimistic read on Hawthorn Bancshares, Inc. at $38.87. With an estimated intrinsic value of $59.61 and 7 of 12 models pointing higher, the average implied return is +53.3%. The most optimistic model, ML-RIV, places fair value at $103.91 (+167.3%), while EPV — the most conservative — estimates $22.51 (-42.1%). This +209.4% gap reflects genuine analytical uncertainty about Hawthorn Bancshares, Inc.'s intrinsic worth.
What Do the Models Say About HWBK?
12 of 13 models are currently active for HWBK. Of these, 8 models suggest upside while 4 models suggest overvaluation. The Bayesian DCF estimates HWBK's intrinsic value at $77.84, implying +100.3% upside from the current price. See which stocks rank higher →
How Does HWBK Rank in National Commercial Banks?
Among 90 National Commercial Banks stocks, HWBK ranks #20 by Quality of Company score. CirclFi's QOC score of 8.5/10 evaluates 32 fundamental signals. A score of 8.5 places HWBK in the top tier.
See all Most Undervalued National Commercial Banks Stocks →
Hawthorn Bancshares, Inc.'s positioning within the National Commercial Banks segment means that CET1 capital ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including loan portfolio growth — shape both the opportunity set and risk profile.
Is HWBK a Value Trap?
CirclFi's Value Trap algorithm assigns HWBK a score of 8/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Hawthorn Bancshares, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, Hawthorn Bancshares, Inc. earns a quality score of 8.5/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.
The gap between the most bullish and bearish model spans +209.4% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every HWBK valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across HWBK's 12 active models, average confidence is 41%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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