Hawthorn Bancshares Inc (HWBK) — Cash Flow-to-Debt Ratio
Hawthorn Bancshares Inc (HWBK) has a Cash Flow-to-Debt Ratio of 0.01x as of December 2025, meaning its operating cash flow of $15.14 Million could theoretically repay 0% of its total liabilities ($1.72 Billion) in one year. See Hawthorn Bancshares Inc (HWBK) financial flexibility to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Hawthorn Bancshares Inc Cash Flow-to-Debt Ratio (1996–2025)
Historical debt coverage capacity for Hawthorn Bancshares Inc across 30 annual periods. For the full cash flow conversion analysis, see Hawthorn Bancshares Inc cash flow conversion.
Annual Cash Flow-to-Debt Ratio for Hawthorn Bancshares Inc (1996–2025)
Year-by-year debt coverage analysis for Hawthorn Bancshares Inc. Check cash flow quality index of Hawthorn Bancshares Inc to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | $26.92 Million | $1.72 Billion | ▲ +2.4% |
| 2024 | 0.02x | $25.59 Million | $1.68 Billion | ▲ +50.9% |
| 2023 | 0.01x | $17.61 Million | $1.74 Billion | ▼ -10.3% |
| 2022 | 0.01x | $20.28 Million | $1.80 Billion | ▼ -37.9% |
| 2021 | 0.02x | $30.61 Million | $1.68 Billion | ▲ +44.7% |
| 2020 | 0.01x | $20.15 Million | $1.60 Billion | ▼ -9.3% |
| 2019 | 0.01x | $19.09 Million | $1.38 Billion | ▲ +17.5% |
| 2018 | 0.01x | $16.30 Million | $1.38 Billion | ▲ +26.4% |
| 2017 | 0.01x | $12.48 Million | $1.34 Billion | ▼ -17.6% |
| 2016 | 0.01x | $13.53 Million | $1.20 Billion | ▼ -5.6% |
| 2015 | 0.01x | $13.34 Million | $1.11 Billion | ▼ -3.7% |
| 2014 | 0.01x | $13.55 Million | $1.09 Billion | ▼ -34.5% |
| 2013 | 0.02x | $20.24 Million | $1.07 Billion | ▲ +39.1% |
| 2012 | 0.01x | $14.88 Million | $1.09 Billion | ▼ -30.0% |
| 2011 | 0.02x | $20.83 Million | $1.07 Billion | ▼ -0.2% |
| 2010 | 0.02x | $21.46 Million | $1.10 Billion | ▲ +126.0% |
| 2009 | 0.01x | $9.75 Million | $1.13 Billion | ▼ -12.1% |
| 2008 | 0.01x | $11.53 Million | $1.17 Billion | ▼ -20.4% |
| 2007 | 0.01x | $13.39 Million | $1.08 Billion | ▼ -23.0% |
| 2006 | 0.02x | $16.64 Million | $1.04 Billion | ▼ -2.3% |
| 2005 | 0.02x | $16.89 Million | $1.03 Billion | ▲ +32.2% |
| 2004 | 0.01x | $10.33 Million | $832.10 Million | ▼ -22.6% |
| 2003 | 0.02x | $12.64 Million | $787.81 Million | ▲ +52.5% |
| 2002 | 0.01x | $7.49 Million | $711.59 Million | ▼ -42.8% |
| 2001 | 0.02x | $12.83 Million | $697.47 Million | ▲ +7.3% |
| 2000 | 0.02x | $11.08 Million | $646.02 Million | ▲ +49.6% |
| 1999 | 0.01x | $5.03 Million | $439.00 Million | ▼ -27.4% |
| 1998 | 0.02x | $6.52 Million | $412.59 Million | ▲ +27.0% |
| 1997 | 0.01x | $5.07 Million | $407.58 Million | ▼ -40.3% |
| 1996 | 0.02x | $5.07 Million | $243.40 Million | — |