CF Bankshares vs Hawthorn Bancshares
CFBK and HWBK side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CFBK and HWBK compare
Hawthorn Bancshares is the larger company, worth 1.2 times as much as CF Bankshares ($272M against $230M).
On earnings, CF Bankshares is cheaper: it trades at 10.2× trailing earnings, against 10.4× for Hawthorn Bancshares.
Hawthorn Bancshares grew revenue faster over the last twelve months (11.7% versus 7.8% for CF Bankshares).
CF Bankshares keeps more of each dollar of sales as profit, with a net margin of 35.6% compared with 30.2% at Hawthorn Bancshares.
Both pay dividends: CF Bankshares yields 1.0% and Hawthorn Bancshares 2.1%.
Hawthorn Bancshares scores higher on the StockData Score (16 against 15 for CF Bankshares), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CFBK | HWBK |
|---|---|---|
| Size and price | ||
| Market cap | $230M | $272M |
| Share price | $35.39 | $39.40 |
| Change, 1 year | 56.9% | 25.2% |
| Change, 5 years | 68.1% | 60.1% |
| Beta (5Y) | 0.54 | 0.42 |
| Employees | 98 | 266 |
| StockData Score | ||
| Total score | 15 | 16 (better) |
| Valuation score | 3 (better) | 2 |
| Growth score | 1 | 2 (better) |
| Performance score | 4 | 4 |
| Health score | 3 | 4 (better) |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 10.2× (better) | 10.4× |
| P/S | 3.6× | 3.1× (better) |
| P/B | 1.2× (better) | 1.4× |
| P/FCF | 10.9× | 10.3× (better) |
| PEG | – | 1.97 |
| FCF yield | 9.2% | 9.7% (better) |
| Fair value | $34.64 | $39.18 |
| Margin of safety | −2.2% | −0.57% (better) |
| Growth | ||
| Revenue growth (TTM) | 7.8% | 11.7% (better) |
| Revenue growth, 5Y average | −7.0% | 3.3% (better) |
| Net income growth (TTM) | 40.0% (better) | 18.5% |
| EPS growth (TTM) | 39.0% (better) | 19.1% |
| EPS growth, 5Y average | −9.7% | 11.0% (better) |
| Profitability | ||
| Net margin | 35.6% (better) | 30.2% |
| FCF margin | 33.0% (better) | 30.5% |
| Return on equity | 12.0% | 14.8% (better) |
| Financial health | ||
| Altman Z-score | 0.17 | 0.21 (better) |
| Piotroski F-score | 6 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.0% | 2.1% (better) |
| Payout ratio | 10.0% | 21.5% |
| Years of dividend growth | 5 | – |
| Dividend growth, 5Y average | 58.5% | – |
| Buyback yield | – | 0.27% |
| Shareholder yield | 1.0% | 2.4% (better) |
| Ownership | ||
| Held by institutions | 56.0% | 32.1% |
| Held by insiders | 28.0% | 12.5% |
| Insider net buying, 12 months | $48.7K | $50.0K (better) |
| Short interest, % of float | 2.3% | 2.9% |
Go deeper
- CFBK stock overview
- CFBK income statement
- CFBK valuation and score
- HWBK stock overview
- HWBK income statement
- HWBK valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.