Is HAWTHORN BANCSHARES, INC. (HWBK) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 29.7% | |
| Net Margin | 29.8% | |
| Return on Equity (ROE) | 14.7% | |
| Return on Assets (ROA) | 1.3% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $27M |
| Free Cash Flow | $23M |
| Total Debt | $155M |
| Total Assets | $1.9B |
Price & Trading
| Last Close | $32.99 |
| 50-Day MA | $33.71 |
| 200-Day MA | $31.70 |
| Avg Volume | 7K |
| Beta | 0.5 |
|
52-Week Range
$25.38
| |
About HAWTHORN BANCSHARES, INC. (HWBK)
Hawthorn Bancshares, Inc. operates as the bank holding company for Hawthorn Bank that provides various banking products and services to families and businesses. It offers checking and savings accounts, and certificates of deposit. The company also provides commercial and industrial, single payment personal, mortgage, installment, and commercial and residential real estate loans. In addition, it provides trust, wealth and treasury management, and brokerage services; and safety deposit boxes, debit cards, and internet banking services. Hawthorn Bancshares, Inc. was formerly known as Exchange National Bancshares, Inc. and changed its name to Hawthorn Bancshares, Inc. in 2007. The company was founded in 1865 and is headquartered in Jefferson City, Missouri.
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Frequently Asked Questions
Is HAWTHORN BANCSHARES, INC. (HWBK) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), HAWTHORN BANCSHARES, INC. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is HAWTHORN BANCSHARES, INC.'s debt ratio?
HAWTHORN BANCSHARES, INC.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are HAWTHORN BANCSHARES, INC.'s key financial metrics?
HAWTHORN BANCSHARES, INC. has a market capitalization of $229M, trailing P/E ratio of 9.7, and revenue of $80M. Return on equity stands at 14.7%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.