First Bancorp vs Hawthorn Bancshares
FNLC 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 FNLC and HWBK compare
First Bancorp is the larger company, worth 1.5 times as much as Hawthorn Bancshares ($418M against $272M).
On earnings, Hawthorn Bancshares is cheaper: it trades at 10.4× trailing earnings, against 10.5× for First Bancorp.
First Bancorp grew revenue faster over the last twelve months (14.8% versus 11.7% for Hawthorn Bancshares).
First Bancorp keeps more of each dollar of sales as profit, with a net margin of 37.8% compared with 30.2% at Hawthorn Bancshares.
Both pay dividends: First Bancorp yields 4.1% and Hawthorn Bancshares 2.1%.
First Bancorp scores higher on the StockData Score (17 against 16 for Hawthorn Bancshares), 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 | FNLC | HWBK |
|---|---|---|
| Size and price | ||
| Market cap | $418M | $272M |
| Share price | $37.03 | $39.40 |
| Change, 1 year | 44.9% | 25.2% |
| Change, 5 years | 21.2% | 60.1% |
| Beta (5Y) | 0.50 | 0.42 |
| Employees | 283 | 266 |
| StockData Score | ||
| Total score | 17 (better) | 16 |
| Valuation score | 1 | 2 (better) |
| Growth score | 2 | 2 |
| Performance score | 4 | 4 |
| Health score | 5 (better) | 4 |
| Dividend score | 5 (better) | 4 |
| Valuation | ||
| P/E | 10.5× | 10.4× (better) |
| P/S | 4.0× | 3.1× (better) |
| P/B | 1.4× | 1.4× (better) |
| P/FCF | 12.8× | 10.3× (better) |
| PEG | – | 1.97 |
| FCF yield | 7.8% | 9.7% (better) |
| Fair value | $34.63 | $39.18 |
| Margin of safety | −6.9% | −0.57% (better) |
| Growth | ||
| Revenue growth (TTM) | 14.8% (better) | 11.7% |
| Revenue growth, 5Y average | 4.0% (better) | 3.3% |
| Net income growth (TTM) | 25.1% (better) | 18.5% |
| EPS growth (TTM) | 24.5% (better) | 19.1% |
| EPS growth, 5Y average | 4.4% | 11.0% (better) |
| Profitability | ||
| Net margin | 37.8% (better) | 30.2% |
| FCF margin | 31.2% (better) | 30.5% |
| Return on equity | 14.0% | 14.8% (better) |
| Financial health | ||
| Debt / equity | 0.26 | – |
| Altman Z-score | 0.23 (better) | 0.21 |
| Piotroski F-score | 6 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 4.1% (better) | 2.1% |
| Payout ratio | 42.6% | 21.5% |
| Years of dividend growth | 8 | – |
| Dividend growth, 5Y average | 3.6% | – |
| Buyback yield | −0.16% | 0.27% (better) |
| Shareholder yield | 3.9% (better) | 2.4% |
| Ownership | ||
| Held by institutions | 45.6% | 32.1% |
| Held by insiders | 4.9% | 12.5% |
| Insider net buying, 12 months | −$140K | $50.0K (better) |
| Short interest, % of float | 1.4% | 2.9% |
Go deeper
- FNLC stock overview
- FNLC income statement
- FNLC 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.