Hawthorn Bancshares vs Usio
HWBK and USIO side by side. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How HWBK and USIO compare
Hawthorn Bancshares is the larger company, worth 4.7 times as much as Usio ($272M against $58.0M).
Usio grew revenue faster over the last twelve months (13.7% versus 11.7% for Hawthorn Bancshares).
Hawthorn Bancshares keeps more of each dollar of sales as profit, with a net margin of 30.2% compared with −0.92% at Usio.
Hawthorn Bancshares pays a dividend yielding 2.1%; Usio does not pay one.
Hawthorn Bancshares scores higher on the StockData Score (16 against 5 for Usio), 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 | HWBK | USIO |
|---|---|---|
| Size and price | ||
| Market cap | $272M | $58.0M |
| Share price | $39.40 | $2.04 |
| Change, 1 year | 25.2% | 42.3% |
| Change, 5 years | 60.1% | −72.2% |
| Beta (5Y) | 0.42 | 0.42 |
| Employees | 266 | 107 |
| StockData Score | ||
| Total score | 16 (better) | 5 |
| Valuation score | 2 (better) | 0 |
| Growth score | 2 (better) | 1 |
| Performance score | 4 (better) | 1 |
| Health score | 4 (better) | 3 |
| Dividend score | 4 (better) | 0 |
| Valuation | ||
| P/E | 10.4× | – |
| P/S | 3.1× | 0.6× (better) |
| P/B | 1.4× (better) | 3.0× |
| EV/EBITDA | – | 51.0× |
| P/FCF | 10.3× (better) | 46.6× |
| PEG | 1.97 | – |
| FCF yield | 9.7% (better) | 2.1% |
| Fair value | $39.18 | $1.09 |
| Margin of safety | −0.57% (better) | −87.3% |
| Growth | ||
| Revenue growth (TTM) | 11.7% | 13.7% (better) |
| Revenue growth, 5Y average | 3.3% | 21.5% (better) |
| Net income growth (TTM) | 18.5% | – |
| EPS growth (TTM) | 19.1% | – |
| EPS growth, 5Y average | 11.0% | – |
| Profitability | ||
| Gross margin | – | 22.6% |
| Operating margin | – | −0.40% |
| Net margin | 30.2% (better) | −0.92% |
| FCF margin | 30.5% (better) | 1.3% |
| Return on equity | 14.8% (better) | −4.6% |
| Return on invested capital | – | −2.3% |
| Financial health | ||
| Debt / equity | – | 0.08 |
| Net debt / EBITDA | – | −5.72 |
| Interest coverage | – | −4.4× |
| Current ratio | – | 1.10 |
| Altman Z-score | 0.21 | 0.41 (better) |
| Piotroski F-score | 7 (better) | 3 |
| Dividends and buybacks | ||
| Dividend yield | 2.1% | – |
| Payout ratio | 21.5% | – |
| Buyback yield | 0.27% | 1.2% (better) |
| Shareholder yield | 2.4% (better) | 1.2% |
| Ownership | ||
| Held by institutions | 32.1% | 21.9% |
| Held by insiders | 12.5% | – |
| Insider net buying, 12 months | $50.0K (better) | −$148K |
| Short interest, % of float | 2.9% | – |
Go deeper
- HWBK stock overview
- HWBK income statement
- HWBK valuation and score
- USIO stock overview
- USIO income statement
- USIO valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.