Hawthorn Bancshares (NASDAQ:HWBK) and WCF Bancorp (OTCMKTS:WCFB) Head-To-Head Review

Profitability

This table compares Hawthorn Bancshares and WCF Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Hawthorn Bancshares	18.88%	13.63%	1.12%
WCF Bancorp	N/A	N/A	N/A

Institutional and Insider Ownership

30.7% of Hawthorn Bancshares shares are owned by institutional investors. 22.7% of Hawthorn Bancshares shares are owned by company insiders. Comparatively, 0.8% of WCF Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Dividends

Hawthorn Bancshares pays an annual dividend of $0.80 per share and has a dividend yield of 2.5%. WCF Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 2.7%. Hawthorn Bancshares pays out 26.9% of its earnings in the form of a dividend. Hawthorn Bancshares has increased its dividend for 5 consecutive years.

Volatility & Risk

Hawthorn Bancshares has a beta of 0.61, indicating that its share price is 39% less volatile than the S&P 500. Comparatively, WCF Bancorp has a beta of 0.04, indicating that its share price is 96% less volatile than the S&P 500.

Earnings & Valuation

This table compares Hawthorn Bancshares and WCF Bancorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Hawthorn Bancshares	$109.67 million	1.98	$18.26 million	$2.97	10.57
WCF Bancorp	$11.85 million	1.22	-$40,000.00	N/A	N/A

Hawthorn Bancshares has higher revenue and earnings than WCF Bancorp.

Summary

Hawthorn Bancshares beats WCF Bancorp on 10 of the 12 factors compared between the two stocks.

About Hawthorn Bancshares

Hawthorn Bancshares, Inc. operates as the bank holding company for Hawthorn Bank that provides various banking services in the United States. It accepts checking, savings, money market, individual retirement, and other time deposit accounts, as well as certificates of deposit. The company also offers commercial and industrial, single payment personal, installment, commercial and residential real estate, and consumer loans, as well as equipment, operating, and small business administration loans; and debit and credit cards. In addition, it provides trust services that include estate planning, investment, and asset management services; and cash management, safety deposit box, brokerage, and Internet banking services. Hawthorn Bancshares, Inc. was founded in 1865 and is headquartered in Jefferson City, Missouri.

About WCF Bancorp

WCF Bancorp, Inc. operates as the bank holding company for WCF Financial Bank that provides commercial banking products and services to individuals and businesses. The company offers checking and saving accounts; certificates of deposit; personal, mortgage, business, agricultural, and commercial real estate loans; debit and credit cards; and other products. It operates through full-service offices in Webster City, Independence, and Tama, Iowa. The company was founded in 1934 and is based in Webster City, Iowa.