Hawthorn Bancshares Inc. (HWBK)’s Financial Results Comparing With Evans Bancorp Inc. (NYSEAMERICAN:EVBN)

As Regional – Northeast Banks companies, Hawthorn Bancshares Inc. (NASDAQ:HWBK) and Evans Bancorp Inc. (NYSEAMERICAN:EVBN) are our subject to compare. And more specifically their institutional ownership, profitability, analyst recommendations, risk, dividends, earnings and valuation.

Valuation and Earnings

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Hawthorn Bancshares Inc. 24 2.72 N/A 2.04 11.97
Evans Bancorp Inc. 36 2.78 N/A 3.40 10.92

Table 1 highlights Hawthorn Bancshares Inc. and Evans Bancorp Inc.’s gross revenue, earnings per share (EPS) and valuation. Evans Bancorp Inc. is observed to has higher revenue and earnings than Hawthorn Bancshares Inc. The business that Currently has a higher P/E ratio is considered the more expensive of the two businesses. Hawthorn Bancshares Inc. is trading at a higher P/E ratio than Evans Bancorp Inc., indicating that it is currently more expensive of the two stocks.

Profitability

Table 2 represents Hawthorn Bancshares Inc. (NASDAQ:HWBK) and Evans Bancorp Inc. (NYSEAMERICAN:EVBN)’s return on equity, net margins and return on assets.

Net Margins Return on Equity Return on Assets
Hawthorn Bancshares Inc. 0.00% 13.6% 0.9%
Evans Bancorp Inc. 0.00% 12.7% 1.2%

Risk & Volatility

Hawthorn Bancshares Inc.’s volatility measures that it’s 80.00% less volatile than Standard & Poor’s 500 due to its 0.2 beta. Competitively, Evans Bancorp Inc. is 29.00% less volatile than Standard & Poor’s 500, because of the 0.71 beta.

Institutional & Insider Ownership

Institutional investors owned 30.5% of Hawthorn Bancshares Inc. shares and 59.3% of Evans Bancorp Inc. shares. Insiders owned roughly 0.2% of Hawthorn Bancshares Inc.’s shares. Competitively, insiders own roughly 4.5% of Evans Bancorp Inc.’s shares.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
Hawthorn Bancshares Inc. -8.64% -8.91% 6.84% 10.47% 16.78% 20.81%
Evans Bancorp Inc. 4.66% 4.87% 3.09% 6.07% -20.39% 14%

For the past year Hawthorn Bancshares Inc. was more bullish than Evans Bancorp Inc.

Summary

On 6 of the 9 factors Evans Bancorp Inc. beats Hawthorn Bancshares Inc.

Hawthorn Bancshares, Inc. operates as the bank holding company for Hawthorn Bank that provides various banking services in Missouri. The company offers checking and savings accounts, and certificates of deposit; and a range of lending services, including commercial and industrial, single payment personal, installment, and commercial and residential real estate loans. It also provides trust services, Internet banking services, brokerage services, safety deposit boxes, and debit cards. The company operates 24 banking offices. Hawthorn Bancshares, Inc. was founded in 1865 and is based in Jefferson City, Missouri.

Evans Bancorp, Inc. operates as the financial holding company for Evans Bank, N.A. that provides a range of banking products and services to consumer and commercial customers in Western New York. It operates through two segments, Banking Activities and Insurance Agency Activities. The company offers deposit products, which include checking and NOW accounts, savings accounts, and certificates of deposit. It also provides residential mortgages; commercial and multi-family mortgages; commercial construction loans; home equities, such as home equity lines of credit and second mortgage loans; commercial and industrial loans comprising term loans and lines of credit; consumer loans, including direct automobile, recreational vehicle, boat, home improvement, and personal loans; other loans consisting of overdrafts and loan clearing accounts; installment loans; and direct financing leasing of commercial small-ticket general business equipment. In addition, the company sells various premium-based insurance policies, including business and personal insurance, surety bonds, risk management, life, disability, and long-term care coverage, as well as provides claims adjusting services and non-deposit investment products, such as annuities and mutual funds. It operates through 14 full-service banking offices in Erie County, Niagara County, and Chautauqua County, New York. The company was founded in 1920 and is headquartered in Hamburg, New York.

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