Hawthorn Bancshares, Inc. (HWBK) vs Virginia National Bankshares Corporation (VABK)

Hawthorn Bancshares, Inc. and Virginia National Bankshares Corporation are both Banks Regional companies. Hawthorn Bancshares, Inc. and Virginia National Bankshares Corporation are of similar size ($264.4M and $255.4M). Hawthorn Bancshares, Inc. trades at the lower P/E: 10.0× against 10.6×. Hawthorn Bancshares, Inc. grew revenue faster over the last twelve months: 5.28% against 5.24%. Virginia National Bankshares Corporation has the higher net margin (28.2% vs 22.0%) and the higher return on invested capital (14.1% vs 8.53%). Both pay a dividend; Virginia National Bankshares Corporation yields more (4.40% vs 2.86%). Across the 20 metrics below, Hawthorn Bancshares, Inc. leads on 10 and Virginia National Bankshares Corporation on 10.

Valuation

Metric HWBK VABK Banks Regional median
P/E 9.96 10.55 12.15
P/S 2.28 2.98 2.37
P/B 1.44 1.35 1.21
Price to free cash flow 8.81 11.38 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.68 2.33 2.27
Earnings yield 10.04% 9.48% 8.11%
Free cash flow yield 11.35% 8.78% 8.98%

Profitability

Metric HWBK VABK Banks Regional median
Gross margin 73.76% 72.27% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.03% 28.18% 18.66%
Free cash flow margin 25.93% 26.16% 21.18%
Return on equity 14.95% 13.57% 10.64%
Return on assets 1.39% 1.52% 1.13%
Return on invested capital 8.53% 14.14% 8.33%

Growth

Metric HWBK VABK Banks Regional median
Revenue growth (TTM) 5.28% 5.24% 6.61%
EPS growth (last fiscal year) 31.42% 12.70% —
Revenue growth, 5-year CAGR 7.51% 19.78% 12.30%
Net income growth, 5-year CAGR 10.74% 19.28% 9.71%

Health

Metric HWBK VABK Banks Regional median
Debt to equity 0.43 0.10 0.22
Current ratio 0.97 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HWBK VABK Banks Regional median
Dividend yield 2.86% 4.40% 3.75%
Payout ratio 0.30 0.28 0.27

Size

Metric HWBK VABK Banks Regional median
Market cap 264.36m 255.37m 921.07m

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