Hawthorn Bancshares [HWBK] vs U.S. Bancorp [USB] Detailed Stock Comparison

Hawthorn Bancshares Inc.

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Hawthorn Bancshares Inc. wins in 11 metrics, U.S. Bancorp wins in 8 metrics, with 0 ties. Hawthorn Bancshares Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Hawthorn Bancshares Inc. U.S. Bancorp Better
P/E Ratio (TTM) 9.72 11.92 Hawthorn Bancshares Inc.
Price-to-Book Ratio 1.32 1.51 Hawthorn Bancshares Inc.
Debt-to-Equity Ratio 0.89 1.21 Hawthorn Bancshares Inc.
PEG Ratio 0.27 0.82 Hawthorn Bancshares Inc.
Profit Margin (TTM) 29.77% 29.29% Hawthorn Bancshares Inc.
Operating Margin (TTM) 29.72% 37.84% U.S. Bancorp
EBITDA Margin (TTM) 29.72% 37.84% U.S. Bancorp
Return on Equity 14.70% 12.35% Hawthorn Bancshares Inc.
Return on Assets (TTM) 1.28% 1.14% Hawthorn Bancshares Inc.
Free Cash Flow (TTM) $22.84M $7.97B U.S. Bancorp
Dividend Yield 2.76% 3.82% U.S. Bancorp
1-Year Return 27.31% 25.83% Hawthorn Bancshares Inc.
Price-to-Sales Ratio (TTM) 2.88 3.32 Hawthorn Bancshares Inc.
Enterprise Value $280.61M $126.46B U.S. Bancorp
EV/Revenue Ratio 3.51 4.75 Hawthorn Bancshares Inc.
Revenue per Share (TTM) $12 $17 U.S. Bancorp
Earnings per Share (Diluted) $3.43 $4.77 U.S. Bancorp
Beta (Stock Volatility) 0.49 1.03 Hawthorn Bancshares Inc.
Short % of Float 1.10% 0.00% U.S. Bancorp

Hawthorn Bancshares Inc. vs U.S. Bancorp Stock Performance Analysis

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HWBK
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Hawthorn Bancshares Inc.-3.03%0.00%6.89%7.11%6.67%7.24%
U.S. Bancorp-2.67%-1.12%-1.16%-0.05%9.90%1.24%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Hawthorn Bancshares Inc.27.31%105.32%67.08%184.64%479.62%66.47%
U.S. Bancorp25.83%72.81%-9.74%29.45%123.42%73.14%

Performance & Financial Health Analysis: Hawthorn Bancshares Inc. vs U.S. Bancorp

MetricHWBKUSB
Market Information
Market Cap i$240.53M$88.06B
Market Cap CategoryMicro capLarge cap
10 Day Avg. Volume i7,0509,829,002
90 Day Avg. Volume i8,28710,401,007
Last Close$35.20$53.14
52 Week Range$27.07 - $37.30$42.55 - $61.19
% from 52W High-5.63%-13.16%
All-Time High$37.30 (May 08, 2026)$63.57 (Jan 10, 2022)
% from All-Time High-5.63%-16.41%
Growth Metrics
Quarterly Revenue Growth0.09%0.05%
Quarterly Earnings Growth0.35%0.14%
Financial Health
Profit Margin (TTM) i0.30%0.29%
Operating Margin (TTM) i0.30%0.38%
Return on Equity (TTM) i0.15%0.12%
Debt to Equity (MRQ) i0.891.21
Cash & Liquidity
Book Value per Share (MRQ)$25.25$37.54
Cash per Share (MRQ)$15.29$31.14
Operating Cash Flow (TTM) i$26.92M$6.04B
Levered Free Cash Flow (TTM) i$23.80M$7.19B
Dividends
Last 12-Month Dividend Yield i2.76%3.82%
Last 12-Month Dividend i$1.00$2.04

Valuation & Enterprise Metrics Analysis: Hawthorn Bancshares Inc. vs U.S. Bancorp

MetricHWBK (Apr 24, 2026)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i9.7211.92
Forward P/E iN/A10.09
PEG Ratio i0.270.82
Price to Sales (TTM) i2.883.32
Price to Book (MRQ) i1.321.51
Market Capitalization
Market Capitalization i$240.53M$88.06B
Enterprise Value i$280.61M$126.46B
Enterprise Value Metrics
Enterprise to Revenue i3.514.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.491.03
Book Value per Share (MRQ) i$25.25$37.54

Financial Statements Comparison: Hawthorn Bancshares Inc. vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricHWBK (2025)USB (2025)
Revenue/Sales i80.31M28.54B
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 i29.10M9.52B
Pre-Tax Income % of Revenue i36.2%33.3%
Income Tax i5.30M1.92B
Income Tax % of Revenue i6.6%6.7%
Net Income (Profit) i23.80M7.60B
Profit Margin i29.6%26.6%

Balance Sheet & Liquidity Metrics

MetricHWBK (2025)USB (2025)
Cash & Equivalents i105.31M46.89B
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 i155.46M60.76B
Long-Term Debt % of Revenue i193.6%212.9%
Total Shareholders Equity i174.23M65.65B
Retained Earnings i107.86M80.91B
Retained Earnings % of Revenue i134.3%283.5%
Property, Plant & Equipment i5.35M1.51B

Cash Flow Statement Comparison

MetricHWBK (2025)USB (2025)
Operating Cash Flow i26.81M6.04B
Operating Cash Flow % of Revenue i33.4%21.2%
Capital Expenditures i-3.96MN/A
Free Cash Flow i22.84M7.97B
FCF Margin i28.4%27.9%
Debt Repayment i-40.00M-9.05B
Common Stock Repurchase i-2.86M-489.00M

Short Interest & Institutional Ownership Analysis

MetricHWBKUSB
Shares Short i58,50927,002
Short Ratio i8.370.00
Short % of Float i1.10%0.00%
Shares Outstanding i6.90M1.56B
Float Shares i6.21M1.55B
% Held by Insiders i17.94%0.14%
% Held by Institutions i31.23%83.55%
% Held by Public i50.83%16.31%

Dividend Analysis & Yield Comparison: Hawthorn Bancshares Inc. vs U.S. Bancorp

MetricHWBKUSB
Last 12-Month Dividend i$1.00$2.04
Last 12-Month Dividend Yield i2.76%3.82%
3-Year Avg Annual Dividend i$0.80$1.98
3-Year Avg Dividend Yield i0.75%1.19%
3-Year Total Dividends i$2.40$5.95
Ex-Dividend DateMar 13, 2026Dec 31, 2025