Demonstrações financeiras detalhadas de Hawthorn Bancshares, Inc. (HWBK): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Hawthorn Bancshares, Inc. registou receitas de $112.1M no último exercício, com um CAGR de 5 anos de 7.5%. O lucro líquido atingiu $23.8M, com CAGR de 5 anos de 10.7%.
Margens dos últimos 12 meses: margem bruta 73.1%, margem operacional 27.8%, margem líquida 22.7%. O fluxo de caixa livre cresceu a CAGR de 3.5% em 5 anos.
Ao preço atual de $38.31, HWBK negocia a um P/L de 10.30 e um ROE de 15.15%. A capitalização de mercado é de $264M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Receita | $54.9M | $59.9M | $67.4M | $72.9M | $78.0M | $81.4M | $83.2M | $88.0M | $109.7M | $112.1M |
| Custo da Receita | $7.1M | $9.8M | $14.7M | $16.4M | $15.5M | $4.2M | $9.6M | $35.2M | $37.8M | $32.1M |
| Lucro Bruto | $47.8M | $50.1M | $52.7M | $56.6M | $62.5M | $77.2M | $73.6M | $52.8M | $71.9M | $79.9M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $22.5M | $23.0M | $24.3M | $22.9M | $27.2M | $28.9M | $28.6M | $30.5M | $27.6M | $28.9M |
| Despesas Operacionais | $36.8M | $38.8M | $40.3M | $36.6M | $45.0M | $49.0M | $48.5M | $52.4M | $49.5M | $50.8M |
| Lucro Operacional | $11.0M | $11.3M | $12.4M | $19.9M | $17.5M | $28.2M | $25.1M | $432000 | $22.4M | $29.1M |
| EBITDA | $12.8M | $13.1M | $14.2M | $22.0M | $19.7M | $30.5M | $27.2M | $2.5M | $24.0M | $31.3M |
| Despesas com Juros | $5.7M | $8.0M | $13.2M | $15.2M | $9.7M | $5.9M | $10.5M | $32.8M | $36.8M | $31.8M |
| Lucro Antes de Impostos | $11.0M | $11.3M | $12.4M | $19.9M | $17.5M | $28.2M | $25.1M | $432000 | $22.4M | $29.1M |
| Imposto | $3.8M | $7.9M | $1.7M | $3.8M | $3.2M | $5.7M | $4.3M | -$524000 | $4.1M | $5.3M |
| Lucro Líquido | $7.3M | $3.4M | $10.7M | $16.1M | $14.3M | $22.5M | $20.8M | $956000 | $18.3M | $23.8M |
| LPA | $0.98 | $0.46 | $1.46 | $2.19 | $1.96 | $3.15 | $2.94 | $0.14 | $2.61 | $3.44 |
| LPA Diluído | $0.98 | $0.46 | $1.46 | $2.19 | $1.96 | $3.15 | $2.94 | $0.14 | $2.61 | $3.43 |
| Ações em Circulação (Diluídas) | $7.4M | $7.4M | $7.3M | $7.3M | $7.3M | $7.2M | $7.1M | $7.0M | $7.0M | $7.0M |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Caixa e Equivalentes | $26.6M | $26.8M | $35.9M | $33.4M | $28.6M | $158.0M | $86.6M | $93.5M | $52.0M | $105.3M |
| Investimentos de Curto Prazo | $214.5M | $231.0M | $218.2M | $175.1M | $198.0M | $310.9M | $250.7M | $188.7M | $218.7M | $72.6M |
| Contas a Receber | $5.2M | $5.6M | $6.2M | $6.5M | $6.6M | $6.6M | $8.0M | $8.7M | 0 | 0 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $246.3M | $263.4M | $260.3M | $215.0M | $233.3M | $475.5M | $345.3M | $290.9M | $270.6M | $177.9M |
| Imobilizado | $35.5M | $34.8M | $34.9M | $35.4M | $34.6M | $32.7M | $32.9M | $32.0M | $31.2M | $30.0M |
| Ágio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Intangíveis | $2.6M | $2.7M | $2.9M | $2.5M | $2.4M | $2.7M | $2.9M | $1.7M | 0 | 0 |
| Ativos Totais | $1.29B | $1.43B | $1.48B | $1.49B | $1.73B | $1.83B | $1.92B | $1.88B | $1.83B | $1.89B |
| Contas a Pagar | $498000 | $554000 | $1.0M | $1.1M | $837000 | $282000 | $902000 | $1.8M | 0 | 0 |
| Dívida de Curto Prazo | $31.0M | $27.6M | $24.6M | $27.3M | $45.2M | $23.8M | $5.2M | 0 | 0 | 0 |
| Passivos Circulantes | $1.04B | $1.15B | $1.22B | $1.21B | $1.43B | $1.54B | $1.64B | $1.57B | $1.53B | $1.55B |
| Dívida de Longo Prazo | $142.9M | $170.9M | $144.6M | $146.4M | $156.2M | $126.9M | $147.5M | $156.5M | $131.0M | $151.6M |
| Passivos Totais | $1.20B | $1.34B | $1.38B | $1.38B | $1.60B | $1.68B | $1.80B | $1.74B | $1.68B | $1.72B |
| Reservas | $51.7M | $50.6M | $54.1M | $61.6M | $68.9M | $82.3M | $91.8M | $76.5M | $89.5M | $107.9M |
| Patrimônio Líquido | $91.0M | $91.4M | $99.4M | $115.0M | $130.6M | $149.0M | $127.4M | $136.1M | $149.5M | $174.2M |
| Dívida Total | $173.9M | $198.4M | $169.3M | $175.9M | $203.5M | $152.6M | $154.2M | $157.7M | $132.7M | $155.5M |
| Dívida Líquida | -$67.2M | -$59.4M | -$84.9M | -$32.6M | -$23.2M | -$316.3M | -$183.2M | -$124.5M | -$138.0M | -$22.4M |
| Capital de Giro | -$795.9M | -$890.5M | -$963.8M | -$999.9M | -$1.20B | -$1.07B | -$1.29B | -$1.28B | -$1.26B | -$1.38B |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Lucro Líquido | $7.3M | $3.4M | $10.7M | $16.1M | $14.3M | $22.5M | $20.8M | $956000 | $18.3M | $23.8M |
| Depreciação e Amortização | $1.8M | $1.7M | $1.8M | $2.1M | $2.3M | $2.3M | $2.1M | $2.1M | $1.6M | $2.2M |
| Compensação em Ações | $17000 | $3000 | 0 | 0 | 0 | 0 | 0 | $42000 | $184000 | $392000 |
| Variação Capital de Giro | $429000 | $3.8M | $1.4M | -$57000 | $1.3M | $1.9M | -$4.0M | -$2.6M | -$1.3M | $390000 |
| Fluxo de Caixa Operacional | $13.5M | $12.5M | $16.3M | $19.4M | $21.0M | $30.2M | $20.3M | $17.6M | $25.6M | $26.9M |
| CapEx | -$1.3M | -$1.3M | -$2.3M | -$2.2M | -$1.8M | -$591000 | -$2.6M | -$2.1M | -$3.0M | -$4.1M |
| Aquisições | 0 | 0 | 0 | -$6.7M | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | -$623000 | -$878000 | -$179000 | 0 | -$906000 | -$2.1M | -$2.9M | 0 | -$1.1M | -$2.9M |
| Dividendos Pagos | -$1.1M | -$1.5M | -$2.0M | -$2.7M | -$3.0M | -$3.6M | -$4.2M | -$4.6M | -$5.0M | -$5.4M |
| Fluxo de Caixa Livre | $12.3M | $11.2M | $14.0M | $17.2M | $19.2M | $29.6M | $17.7M | $15.5M | $22.6M | $22.8M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Crescimento Receita (anual) | +9.0% | +12.5% | +8.3% | +7.0% | +4.3% | +2.2% | +5.7% | +24.7% | +2.2% | |
| Crescimento Lucro Líquido (anual) | -53.1% | +213.8% | +50.4% | -11.3% | +57.5% | -7.8% | -95.4% | +1809.6% | +30.4% | |
| Crescimento LPA (anual) | -53.1% | +217.4% | +50.0% | -10.5% | +60.7% | -6.7% | -95.2% | +1764.3% | +31.8% | |
| Variação de Ações (anual) | -0.5% | -0.5% | +0.0% | -0.8% | -1.8% | -1.3% | -0.3% | -0.6% | -0.0% | |
| Crescimento FCF (anual) | -8.6% | +24.6% | +23.2% | +11.5% | +54.4% | -40.2% | -12.4% | +45.6% | +1.1% | |
| Margem Bruta | 87.1% | 83.7% | 78.2% | 77.5% | 80.1% | 94.8% | 88.5% | 60.0% | 65.5% | 71.3% |
| Margem Operacional | 20.1% | 18.9% | 18.4% | 27.3% | 22.4% | 34.7% | 30.1% | 0.5% | 20.4% | 26.0% |
| Margem EBITDA | 23.3% | 21.8% | 21.0% | 30.2% | 25.3% | 37.5% | 32.7% | 2.9% | 21.9% | 28.0% |
| Margem Líquida | 13.3% | 5.7% | 15.9% | 22.1% | 18.3% | 27.7% | 24.9% | 1.1% | 16.6% | 21.2% |
| Margem FCF | 22.3% | 18.7% | 20.7% | 23.6% | 24.6% | 36.4% | 21.3% | 17.6% | 20.6% | 20.4% |
| Taxa Efetiva de Imposto | 34.0% | 69.8% | 13.5% | 19.2% | 18.2% | 20.2% | 17.3% | -121.3% | 18.3% | 18.2% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| FCF por Ação | $1.65 | $1.52 | $1.90 | $2.34 | $2.63 | $4.14 | $2.51 | $2.20 | $3.23 | $3.26 |
| Dividendo por Ação | $0.15 | $0.20 | $0.27 | $0.37 | $0.42 | $0.51 | $0.60 | $0.66 | $0.72 | $0.78 |
| Ações em Circulação (Básicas) | $7.4M | $7.4M | $7.3M | $7.3M | $7.3M | $7.2M | $7.1M | $7.0M | $7.0M | $7.0M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 15.15% |
| Retorno sobre capital investido | 9.21% |
| Retorno sobre ativos | 1.49% |
| Margem bruta | 73.12% |
| Margem operacional | 27.81% |
| Margem líquida | 22.69% |
Saúde financeira
| Dívida / Patrimônio | 0.46 |
| Liquidez corrente | 534.12 |
| Piotroski F-Score | 7 |
| Altman Z-Score | -0.60 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/L | 13.72 | 35.65 | 11.84 | 9.95 | 9.93 | 7.61 | 7.12 | 181.21 | 10.86 | 10.14 |
| P/VP | 1.10 | 1.32 | 1.28 | 1.39 | 1.09 | 1.15 | 1.16 | 1.31 | 1.33 | 1.40 |
| P/V | 1.82 | 2.02 | 1.88 | 2.19 | 1.82 | 2.11 | 1.78 | 2.03 | 1.81 | 2.17 |
| Margem Bruta | 87.1% | 83.7% | 78.2% | 77.5% | 80.1% | 94.8% | 88.5% | 60.0% | 65.5% | 71.3% |
| Margem Operacional | 20.1% | 18.9% | 18.4% | 27.3% | 22.4% | 34.7% | 30.1% | 0.5% | 20.4% | 26.0% |
| Margem Líquida | 13.3% | 5.7% | 15.9% | 22.1% | 18.3% | 27.7% | 24.9% | 1.1% | 16.6% | 21.2% |
Empresas relacionadas: AVBH · BPRN · CFFI · FCCO · FSFG · FUNC · FVCB
Explorar setor: Financial Services · Banks - Regional
Mais seções de HWBK: Resumo · Avaliação · Estatísticas · Estimativas · Técnico · Propriedade · Notícias · Eventos
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