Hawthorn Bancshares, Inc. (HWBK) vs QNB Corp. (QNBC)

Hawthorn Bancshares, Inc. and QNB Corp. are both Banks Regional companies. Hawthorn Bancshares, Inc. and QNB Corp. are of similar size ($291.4M and $268.4M). QNB Corp. has negative trailing earnings, so its P/E is not meaningful; Hawthorn Bancshares, Inc. trades at 10.5×. Hawthorn Bancshares, Inc. grew revenue faster over the last twelve months: 5.28% against −8.86%. Hawthorn Bancshares, Inc. has the higher net margin (22.0% vs −5.63%) and the higher return on invested capital (8.53% vs 0.00%). Both pay a dividend; QNB Corp. yields more (3.30% vs 2.15%). Across the 18 metrics below, Hawthorn Bancshares, Inc. leads on 13 and QNB Corp. on 5.

Valuation

Metric HWBK QNBC Banks Regional median
P/E 10.50 n/m 12.02
P/S 2.31 2.91 2.36
P/B 1.46 1.15 1.23
Price to free cash flow 8.92 10.82 10.60
EV/EBITDA — n/m —
EV/Sales — 1.81 —
Earnings yield 9.53% (0.53%) 8.21%
Free cash flow yield 11.21% 9.24% 9.23%

Profitability

Metric HWBK QNBC Banks Regional median
Gross margin 73.76% 51.09% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.03% (5.63%) 18.82%
Free cash flow margin 25.93% 26.92% 17.97%
Return on equity 14.95% (2.88%) 10.28%
Return on assets 1.39% (0.24%) 1.13%
Return on invested capital 8.53% 0.00% 8.45%

Growth

Metric HWBK QNBC Banks Regional median
Revenue growth (TTM) 5.28% (8.86%) 6.37%
EPS growth (last fiscal year) 31.42% 21.15% 18.85%
Revenue growth, 5-year CAGR 7.51% 14.19% 12.65%
Net income growth, 5-year CAGR 10.74% 3.12% 9.81%

Health

Metric HWBK QNBC Banks Regional median
Debt to equity 0.43 0.00 0.17
Current ratio 0.97 0.84 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HWBK QNBC Banks Regional median
Dividend yield 2.15% 3.30% 2.49%
Payout ratio 0.23 0.46 0.29

Size

Metric HWBK QNBC Banks Regional median
Market cap 268.37m 291.40m 934.85m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack