Hawthorn Bancshares, Inc. — Earnings Quality Grade B
HWBK · Financial Services
Generally healthy
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 10.1%, CFFO 5.2%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 35.8% is >2x revenue growth 10.1%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.13. Profits backed by cash
FCF $0.0B, FCF/NI = 0.96
Accruals ratio = -0.2%. Low accruals
Cash $0.1B covers 68% of debt $0.2B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Hawthorn Bancshares, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25