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Hawthorn Bancshares (HWBK) guidance and outlook
Hawthorn Bancshares' 10-Q filed Nov 9, 2026 makes 6 forward-looking statements.
Guidance and outlook
Forward-looking statements, 10-Q filed Nov 9, 2026
- During this review, management will evaluate individual loans for expected credit losses when those loans do not share similar risk characteristics with loans evaluated using a collective (pooled) basis.
- The Discounted Cash Flow model considers quantitative peer group historic loss experience, forecasts over the estimated life of the loan pools, industry data, and qualitative or environmental factors, such as: lending policies and procedures; economic conditions; the nature, volume and terms of the portfolio; lending staff and management; past due loans; the loan review system; collateral values; concentrations…
- The portfolio includes projected maturities and mortgage-backed securities pay-downs of approximately $2.5 million over the next twelve months, which offer resources to meet either new loan demand or reductions in the Company’s borrowings.
- Based upon the above, management believes the Company has more than adequate liquidity, both on balance sheet and through additional funding capacity with the FHLB, the Federal Reserve Bank and Federal funds purchased lines, to meet future anticipated liquidity needs in both the short- and long-term.
- Subject to declaration by the Company's Board of Directors, the Company expects to continue paying quarterly cash dividends as a part of its current capital allocation strategy.
- Future dividends will be subject to the determination, declaration and discretion of the Company's Board of Directors and compliance with applicable regulatory capital requirements.
Hawthorn Bancshares' latest quarter
Hawthorn Bancshares, Q3 2026: revenue $23.0M (+12% year over year), operating margin 35.0%, net earnings $7.1M, operating cash flow −$1.8M. The chart follows the revenue to costs, profit and cash.
Questions
What does Hawthorn Bancshares expect?
During this review, management will evaluate individual loans for expected credit losses when those loans do not share similar risk characteristics with loans evaluated using a collective (pooled) basis. The Discounted Cash Flow model considers quantitative peer group historic loss experience, forecasts over the estimated life of the loan pools, industry data, and qualitative or environmental factors, such as: lending policies and procedures; economic conditions; the nature, volume and terms of the portfolio; lending staff and management; past due loans; the loan review system; collateral valu
Updated Nov 9, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.