Bancorp (NASDAQ:TBBK) versus Hawthorn Bancshares (NASDAQ:HWBK) Head to Head Analysis

Hawthorn Bancshares (NASDAQ:HWBK) and Bancorp (NASDAQ:TBBK) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, institutional ownership, dividends, risk, valuation, profitability and analyst recommendations.

Insider and Institutional Ownership

30.7% of Hawthorn Bancshares shares are held by institutional investors. Comparatively, 96.2% of Bancorp shares are held by institutional investors. 23.4% of Hawthorn Bancshares shares are held by company insiders. Comparatively, 5.2% of Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Hawthorn Bancshares	16.65%	13.00%	1.00%
Bancorp	30.97%	27.33%	2.66%

Risk and Volatility

Hawthorn Bancshares has a beta of 0.59, meaning that its share price is 41% less volatile than the S&P 500. Comparatively, Bancorp has a beta of 1.59, meaning that its share price is 59% more volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings and target prices for Hawthorn Bancshares and Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Hawthorn Bancshares	0	0	0	0	0.00
Bancorp	0	0	3	0	3.00

Bancorp has a consensus price target of $67.67, suggesting a potential upside of 20.13%. Given Bancorp’s stronger consensus rating and higher possible upside, analysts plainly believe Bancorp is more favorable than Hawthorn Bancshares.

Valuation & Earnings

This table compares Hawthorn Bancshares and Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Hawthorn Bancshares	$72.91 million	2.94	$18.26 million	$2.61	10.87
Bancorp	$523.72 million	5.17	$217.54 million	$4.30	13.10

Bancorp has higher revenue and earnings than Hawthorn Bancshares. Hawthorn Bancshares is trading at a lower price-to-earnings ratio than Bancorp, indicating that it is currently the more affordable of the two stocks.

Summary

Bancorp beats Hawthorn Bancshares on 13 of the 14 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 Bancorp

The Bancorp, Inc. operates as the bank holding company for The Bancorp Bank, National Association that provides banking products and services in the United States. It offers a range of deposit products and services, including checking, savings, time, money market, and commercial accounts; overdrafts; and certificates of deposit. The company also provides securities-backed lines of credit and insurance policy cash value-backed lines of credit; investor advisor financing; lease financing for commercial and government vehicle fleets, including trucks and other special purpose vehicles; commercial real estate bridge loans; and small business administration loans. In addition, it offers bill and other payment services; debit and prepaid card issuing services; card and bill payment, and automated clearing house processing services; and internet banking services. The company was incorporated in 1999 and is headquartered in Wilmington, Delaware.