Filing Flows › Financials › Hawthorn Bancshares (HWBK)
Hawthorn Bancshares (HWBK) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 9, 2026 · Hawthorn Bancshares (HWBK) Q3 2026 earnings results →
Q3 2026 Revenue up 12% year over year to $23.0M · 31¢ of every $1 of revenue kept as net profit · operating margin 35.0%
Hawthorn Bancshares made $23.0M in Q3 2026 (+12% Y/Y): Net interest income $19.3M, Noninterest income $3.7M. Operating margin 35.0%, net earnings $7.1M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 9, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $23.0M in Q3 2026, up 12% year over year and up 2% from the previous quarter. Net interest income was the largest line at 84% of revenue. Net interest income added $2.4M year over year (up 14%), 100% of the total change.
Operating profit was $8.0M, a 35.0% margin (down 2.7 points year over year). Of the extra revenue versus a year earlier, 12% reached operating profit, below the 38% margin then. Total costs grew 17% against revenue growth of 12%. Net earnings were $7.1M, up 15% year over year. The effective tax rate was 10.0%.
Operating cash flow was −$1.8M. Non-cash charges added back $1.5M of depreciation and amortization and $174K of share-based compensation. Working capital and other items used $10.5M. Capital expenditures of $327K exceeded it, leaving free cash flow of −$2.1M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 9, 2026 | $23.0M | +12% | 35.0% | $7.1M | −$1.8M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
Loading the interactive chart…
🌏Named in Asian annual reportsinteractive
Loading the interactive chart…
🔄Rotation against the market and its industry (RRG)interactive
Loading the interactive chart…
🔍Earnings qualityinteractive
Loading the interactive chart…
⚖️Fair value by methodinteractive
Loading the interactive chart…
🔭Outlook & guidanceinteractive
Loading the interactive chart…
📈Investments: gains and what it boughtinteractive
Loading the interactive chart…
🏭Its industry’s money flow (input-output)interactive
Loading the interactive chart…
About Hawthorn Bancshares
Hawthorn Bancshares, Inc., a bank holding company headquartered in Jefferson City, Missouri, is the parent company of Hawthorn Bank, which has served families and businesses for more than 160 years. Hawthorn Bank has multiple locations, including in the greater Kansas City metropolitan area, Jefferson City, Columbia, Springfield, and Clinton .
In its own words, from its 8-K, filed Jul 29, 2026.
Hawthorn Bancshares against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +12% against the peers' median +8%. Operating margin: 35.0% against the peers' median 32.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| HWBK Hawthorn Bancshares | Q3 2026 | $23.0M | +12% | 35.0% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| UBS UBS Group AG | Q2 2025 | $12.1B | +2% | 18.1% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
Source: Hawthorn Bancshares 10-Q on SEC EDGAR · CIK 893847 · National Commercial Banks
Guidance and outlook
13F: who owns HWBK and who is buying
More on HWBK
History
Every quarter: Q3 2026 results