Hawthorn Bancshares, Inc. (HWBK) vs Western New England Bancorp (WNEB)

Hawthorn Bancshares, Inc. and Western New England Bancorp are both Banks Regional companies. Hawthorn Bancshares, Inc. and Western New England Bancorp are of similar size ($271.3M and $268.4M). Hawthorn Bancshares, Inc. trades at the lower P/E: 10.5× against 13.7×. Western New England Bancorp grew revenue faster over the last twelve months: 5.84% against 5.28%. Hawthorn Bancshares, Inc. has the higher net margin (22.0% vs 14.5%) and the higher return on invested capital (8.53% vs 7.15%). Both pay a dividend; Hawthorn Bancshares, Inc. yields more (2.15% vs 2.05%). Across the 19 metrics below, Hawthorn Bancshares, Inc. leads on 14 and Western New England Bancorp on 5.

Valuation

Metric HWBK WNEB Banks Regional median
P/E 10.50 13.65 12.02
P/S 2.31 1.96 2.36
P/B 1.46 1.10 1.23
Price to free cash flow 8.92 15.57 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.53% 7.33% 8.21%
Free cash flow yield 11.21% 6.42% 9.23%

Profitability

Metric HWBK WNEB Banks Regional median
Gross margin 73.76% 66.43% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.03% 14.53% 18.82%
Free cash flow margin 25.93% 0.00% 17.97%
Return on equity 14.95% 8.14% 10.28%
Return on assets 1.39% 0.73% 1.13%
Return on invested capital 8.53% 7.15% 8.45%

Growth

Metric HWBK WNEB Banks Regional median
Revenue growth (TTM) 5.28% 5.84% 6.37%
EPS growth (last fiscal year) 31.42% 33.93% 18.85%
Revenue growth, 5-year CAGR 7.51% 7.32% 12.65%
Net income growth, 5-year CAGR 10.74% 6.37% 9.81%

Health

Metric HWBK WNEB Banks Regional median
Debt to equity 0.43 0.18 0.17
Current ratio 0.97 0.00 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HWBK WNEB Banks Regional median
Dividend yield 2.15% 2.05% 2.49%
Payout ratio 0.23 0.28 0.29

Size

Metric HWBK WNEB Banks Regional median
Market cap 268.37m 271.28m 934.85m

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