Which has the lower trailing P/E, FXNC or HWBK?

HWBK has the lower trailing P/E: FXNC trades at 12.67 and HWBK at 10.08. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, FXNC or HWBK?

Over the past five years, FXNC grew revenue faster — FXNC at a 23.73% CAGR versus HWBK at 7.30%.

Does FXNC or HWBK pay a bigger dividend?

FXNC yields 2.27% and HWBK yields 2.16% based on trailing dividends and the latest price.

Is FXNC or HWBK more profitable?

HWBK runs the higher net margin — FXNC at 18.47% versus HWBK at 22.69%.

How have FXNC and HWBK total returns compared?

Over the past 10 years, FXNC delivered 13.04% and HWBK delivered 16.23% annualized total return. Past performance doesn't predict future results.

First National Corporation (FXNC) vs Hawthorn Bancshares, Inc. (HWBK)

A side-by-side comparison of First National Corporation and Hawthorn Bancshares, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

FXNC

First National Corporation

$275M

$30.40Financial ServicesDelayed quote: Oct 6, 2026, 10:04 AM EDT

HWBK

Hawthorn Bancshares, Inc.

$266M

$38.49Financial ServicesDelayed quote: Oct 6, 2026, 10:09 AM EDT

Total return — FXNC vs HWBK

growth of $100 · dividends reinvested · last 10y

FXNC +240.0% (+13.0%/yr)HWBK +350.7% (+16.2%/yr)HWBK compounded faster over this window

FXNC HWBK

FXNC vs HWBK: by the numbers

•FXNC is the larger company ($275M vs $266M market cap).
•HWBK trades at the lower trailing earnings multiple (10.08 vs 12.67 P/E), one valuation lens rather than an overall verdict.
•HWBK converts more revenue to profit (22.69% vs 18.47% net margin).
•FXNC grew revenue faster over the past five years (23.73% vs 7.30% CAGR).
•FXNC pays the higher dividend yield (2.27% vs 2.16%).

Metrics side by side

Valuation

Metric	FXNC	HWBK
P/E ratio	12.67	10.08
Forward P/E	12.47	N/A
PEG ratio	8.50	0.85
P/S ratio	2.34	2.28
P/B ratio	1.42	1.45

Profitability

Metric	FXNC	HWBK
Operating margin	22.93%	27.81%
Net margin	18.47%	22.69%
ROE	11.20%	14.45%

First National Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Hawthorn Bancshares, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	FXNC	HWBK
Dividend yield	2.27%	2.16%
Payout ratio	28.33%	21.73%

Growth (annualized)

Metric	FXNC	HWBK
Revenue CAGR (5Y)	23.73%	7.30%
EPS CAGR (5Y)	1.60%	11.91%
Total return CAGR (5Y)	9.06%	15.43%

Frequently asked

Which has the lower trailing P/E, FXNC or HWBK?: HWBK has the lower trailing P/E: FXNC trades at 12.67 and HWBK at 10.08. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, FXNC or HWBK?: Over the past five years, FXNC grew revenue faster — FXNC at a 23.73% CAGR versus HWBK at 7.30%.
Does FXNC or HWBK pay a bigger dividend?: FXNC yields 2.27% and HWBK yields 2.16% based on trailing dividends and the latest price.
Is FXNC or HWBK more profitable?: HWBK runs the higher net margin — FXNC at 18.47% versus HWBK at 22.69%.
How have FXNC and HWBK total returns compared?: Over the past 10 years, FXNC delivered 13.04% and HWBK delivered 16.23% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FXNC analysis Full HWBK analysis Interactive comparison tool

Dig into the metrics

First National P/E ratio Hawthorn Bancshares P/E ratio First National dividend yield Hawthorn Bancshares dividend yield First National ROE Hawthorn Bancshares ROE First National operating margin Hawthorn Bancshares operating margin First National revenue growth Hawthorn Bancshares revenue growth

First National & Hawthorn Bancshares appear in these rankings

Highest Dividend Yield Stocks Fastest Revenue Growth Stocks Highest 10-Year Total Return Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.