Hawthorn Bancshares [HWBK] vs PNC Financial [PNC] Detailed Stock Comparison

Hawthorn Bancshares Inc.

NASDAQ
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PNC Financial Services Group, Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Hawthorn Bancshares Inc. wins in 12 metrics, PNC Financial Services Group, Inc. wins in 7 metrics, with 0 ties. Hawthorn Bancshares Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Hawthorn Bancshares Inc. PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 9.72 12.56 Hawthorn Bancshares Inc.
Price-to-Book Ratio 1.32 1.39 Hawthorn Bancshares Inc.
Debt-to-Equity Ratio 0.89 1.12 Hawthorn Bancshares Inc.
PEG Ratio 0.27 11.84 Hawthorn Bancshares Inc.
Profit Margin (TTM) 29.77% 28.75% Hawthorn Bancshares Inc.
Operating Margin (TTM) 29.72% 35.28% PNC Financial Services Group, Inc.
EBITDA Margin (TTM) 29.72% 35.28% PNC Financial Services Group, Inc.
Return on Equity 14.70% 11.33% Hawthorn Bancshares Inc.
Return on Assets (TTM) 1.28% 1.09% Hawthorn Bancshares Inc.
Free Cash Flow (TTM) $22.84M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 2.76% 3.02% PNC Financial Services Group, Inc.
1-Year Return 27.31% 27.22% Hawthorn Bancshares Inc.
Price-to-Sales Ratio (TTM) 2.88 3.35 Hawthorn Bancshares Inc.
Enterprise Value $280.61M $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 3.51 6.11 Hawthorn Bancshares Inc.
Revenue per Share (TTM) $12 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $3.43 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.49 1.07 Hawthorn Bancshares Inc.
Short % of Float 1.10% 1.26% Hawthorn Bancshares Inc.

Hawthorn Bancshares Inc. vs PNC Financial Services Group, Inc. Stock Performance Analysis

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HWBK
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Hawthorn Bancshares Inc.-3.03%0.00%6.89%7.11%6.67%7.24%
PNC Financial Services Group, Inc.-1.24%0.10%1.37%3.17%15.08%4.52%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Hawthorn Bancshares Inc.27.31%105.32%67.08%184.64%479.62%66.47%
PNC Financial Services Group, Inc.27.22%78.93%13.98%149.66%272.63%219.68%

Performance & Financial Health Analysis: Hawthorn Bancshares Inc. vs PNC Financial Services Group, Inc.

MetricHWBKPNC
Market Information
Market Cap i$240.53M$70.31B
Market Cap CategoryMicro capLarge cap
10 Day Avg. Volume i7,0501,904,080
90 Day Avg. Volume i8,2871,960,760
Last Close$35.20$218.27
52 Week Range$27.07 - $37.30$172.73 - $243.94
% from 52W High-5.63%-10.52%
All-Time High$37.30 (May 08, 2026)$243.94 (Feb 06, 2026)
% from All-Time High-5.63%-10.52%
Growth Metrics
Quarterly Revenue Growth0.09%0.05%
Quarterly Earnings Growth0.35%0.11%
Financial Health
Profit Margin (TTM) i0.30%0.29%
Operating Margin (TTM) i0.30%0.35%
Return on Equity (TTM) i0.15%0.11%
Debt to Equity (MRQ) i0.891.12
Cash & Liquidity
Book Value per Share (MRQ)$25.25$127.98
Cash per Share (MRQ)$15.29$27.54
Operating Cash Flow (TTM) i$26.92M$5.61B
Levered Free Cash Flow (TTM) i$23.80M$5.50B
Dividends
Last 12-Month Dividend Yield i2.76%3.02%
Last 12-Month Dividend i$1.00$6.70

Valuation & Enterprise Metrics Analysis: Hawthorn Bancshares Inc. vs PNC Financial Services Group, Inc.

MetricHWBK (Apr 24, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i9.7212.56
Forward P/E iN/A11.84
PEG Ratio i0.2711.84
Price to Sales (TTM) i2.883.35
Price to Book (MRQ) i1.321.39
Market Capitalization
Market Capitalization i$240.53M$70.31B
Enterprise Value i$280.61M$128.31B
Enterprise Value Metrics
Enterprise to Revenue i3.516.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.491.07
Book Value per Share (MRQ) i$25.25$127.98

Financial Statements Comparison: Hawthorn Bancshares Inc. vs PNC Financial Services Group, Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricHWBK (2025)PNC (2024)
Revenue/Sales i80.31M20.81B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i29.10M7.24B
Pre-Tax Income % of Revenue i36.2%34.8%
Income Tax i5.30M1.29B
Income Tax % of Revenue i6.6%6.2%
Net Income (Profit) i23.80M5.95B
Profit Margin i29.6%28.6%

Balance Sheet & Liquidity Metrics

MetricHWBK (2025)PNC (2024)
Cash & Equivalents i105.31M46.25B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i155.46M61.67B
Long-Term Debt % of Revenue i193.6%296.4%
Total Shareholders Equity i174.23M54.47B
Retained Earnings i107.86M59.28B
Retained Earnings % of Revenue i134.3%284.9%
Property, Plant & Equipment i5.35MN/A

Cash Flow Statement Comparison

MetricHWBK (2025)PNC (2024)
Operating Cash Flow i26.81M7.96B
Operating Cash Flow % of Revenue i33.4%38.3%
Capital Expenditures i-3.96MN/A
Free Cash Flow i22.84M7.88B
FCF Margin i28.4%37.9%
Debt Repayment i-40.00M-23.75B
Common Stock Repurchase i-2.86M-1.19B

Short Interest & Institutional Ownership Analysis

MetricHWBKPNC
Shares Short i58,5094.98M
Short Ratio i8.372.41
Short % of Float i1.10%1.26%
Shares Outstanding i6.90M395.94M
Float Shares i6.21M392.38M
% Held by Insiders i17.94%0.38%
% Held by Institutions i31.23%85.29%
% Held by Public i50.83%14.33%

Dividend Analysis & Yield Comparison: Hawthorn Bancshares Inc. vs PNC Financial Services Group, Inc.

MetricHWBKPNC
Last 12-Month Dividend i$1.00$6.70
Last 12-Month Dividend Yield i2.76%3.02%
3-Year Avg Annual Dividend i$0.80$6.40
3-Year Avg Dividend Yield i0.75%1.00%
3-Year Total Dividends i$2.40$19.20
Ex-Dividend DateMar 13, 2026Jan 20, 2026