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Hawthorn Bancshares
Hawthorn Bancshares (HWBK) investor relations material
Hawthorn Bancshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Reported net income of $6.2 million ($0.90 EPS) for Q4 2025, up from $6.1 million ($0.88 EPS) in Q3 2025 and $4.6 million ($0.66 EPS) in Q4 2024.
Full-year 2025 net income was $23.8 million ($3.43 EPS), a 30.4% increase from $18.3 million ($2.61 EPS) in 2024.
Financial highlights
Net interest income for Q4 2025 was $17.6 million, up 4.2% sequentially and 14.6% year-over-year.
Net interest margin (FTE) improved to 4.03% in Q4 2025 from 3.97% in Q3 2025 and 3.55% in Q4 2024.
Full-year net interest income was $65.9 million, up from $58.6 million in 2024; net interest margin rose to 3.89% from 3.41%.
Non-interest income for Q4 2025 was $3.6 million, flat year-over-year; full-year non-interest income was $14.3 million.
Non-interest expense for Q4 2025 was $13.3 million, up 3.4% sequentially; full-year non-interest expense was $50.8 million, up 2.7% year-over-year.
Efficiency ratio improved to 62.64% in Q4 2025 and 63.41% for the year, down from 68.48% and 67.92% in the prior year periods.
Outlook and guidance
Board approved a quarterly cash dividend of $0.21 per share, a 5% increase, payable April 1, 2026.
Future asset quality outlook given Q4 charge-offs
Loan growth strategy given Q4 decline
Sustainability of deposit cost reduction
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Latest events from Hawthorn Bancshares
- Plans to offer up to $150 million in securities to support growth and corporate initiatives.HWBK
Registration Filing16 Dec 2025 - Plans to raise up to $150M via shelf registration, offering multiple securities on Nasdaq.HWBKRegistration Filing16 Dec 2025
- Proxy covers director elections, auditor ratification, and executive pay, with strong governance focus.HWBKProxy Filing2 Dec 2025
- Annual meeting to elect four directors, ratify auditor, and approve executive pay.HWBKProxy Filing2 Dec 2025
- Key votes include director elections, auditor ratification, and executive pay approval.HWBKProxy Filing2 Dec 2025
- Q3 2025 net income up 34%, with strong margins, loan growth, and robust capital ratios.HWBKQ3 20257 Nov 2025
- Q2 2025 net income rose 31.8% with improved margins and a $10M buyback program.HWBKQ2 202512 Aug 2025
- Net income surged 77% year-over-year, with robust capital and a $0.19 dividend declared.HWBKQ3 202413 Jun 2025
- Q2 2024 net income surged 81.6% with improved efficiency and strong capital ratios.HWBKQ2 202413 Jun 2025
Next Hawthorn Bancshares earnings date
Q1 202624 Apr, 2026
Hawthorn Bancshares
Next Hawthorn Bancshares earnings date
Q1 202624 Apr, 2026
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@theshortbearx.com
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