First National Corp. (FXNC) vs Hawthorn Bancshares, Inc. (HWBK)
First National Corp. and Hawthorn Bancshares, Inc. are both Banks Regional companies. First National Corp. and Hawthorn Bancshares, Inc. are of similar size ($267.9M and $264.4M). Hawthorn Bancshares, Inc. trades at the lower P/E: 10.0× against 12.2×. First National Corp. grew revenue faster over the last twelve months: 7.66% against 5.28%. Hawthorn Bancshares, Inc. has the higher net margin (22.0% vs 18.4%) and the lower return on invested capital (8.53% vs 37.4%). Both pay a dividend; First National Corp. yields more (3.11% vs 2.86%). Across the 20 metrics below, First National Corp. leads on 11 and Hawthorn Bancshares, Inc. on 9.
Valuation
Profitability
| Metric | FXNC | HWBK | Banks Regional median |
|---|---|---|---|
| Gross margin | 79.28% | 73.76% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 18.43% | 22.03% | 18.66% |
| Free cash flow margin | 23.75% | 25.93% | 21.18% |
| Return on equity | 11.81% | 14.95% | 10.64% |
| Return on assets | 1.05% | 1.39% | 1.13% |
| Return on invested capital | 37.41% | 8.53% | 8.33% |
Growth
Health
Dividend
Size
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