Hawthorn Bancshares (HWBK) Competitors

Jiayin Group (NASDAQ:JFIN) and Hawthorn Bancshares (NASDAQ:HWBK) are both small-cap computer and technology companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, community ranking, valuation, analyst recommendations, media sentiment, risk, profitability, institutional ownership and earnings.

Is JFIN or HWBK a better dividend stock?

Jiayin Group pays an annual dividend of $0.49 per share and has a dividend yield of 2.6%. Hawthorn Bancshares pays an annual dividend of $0.80 per share and has a dividend yield of 2.8%. Jiayin Group pays out 14.2% of its earnings in the form of a dividend. Hawthorn Bancshares pays out 29.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Hawthorn Bancshares has increased its dividend for 5 consecutive years. Hawthorn Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Which has better valuation and earnings, JFIN or HWBK?

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Jiayin Group	$6.10B	0.17	$182.75M	$3.44	5.50
Hawthorn Bancshares	$73.90M	2.67	$18.26M	$2.75	10.31

Which has more risk & volatility, JFIN or HWBK?

Jiayin Group has a beta of 1.02, meaning that its share price is 2% more volatile than the S&P 500. Comparatively, Hawthorn Bancshares has a beta of 0.57, meaning that its share price is 43% less volatile than the S&P 500.

Is JFIN or HWBK more profitable?

Jiayin Group has a net margin of 19.17% compared to Hawthorn Bancshares' net margin of 16.65%. Jiayin Group's return on equity of 43.90% beat Hawthorn Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Jiayin Group	19.17%	43.90%	21.31%
Hawthorn Bancshares	16.65%	13.00%	1.00%

Do insiders and institutionals hold more shares of JFIN or HWBK?

44.1% of Jiayin Group shares are held by institutional investors. Comparatively, 30.7% of Hawthorn Bancshares shares are held by institutional investors. 51.2% of Jiayin Group shares are held by insiders. Comparatively, 22.7% of Hawthorn Bancshares shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Does the media refer more to JFIN or HWBK?

In the previous week, Jiayin Group had 1 more articles in the media than Hawthorn Bancshares. MarketBeat recorded 7 mentions for Jiayin Group and 6 mentions for Hawthorn Bancshares. Hawthorn Bancshares' average media sentiment score of 0.95 beat Jiayin Group's score of 0.67 indicating that Hawthorn Bancshares is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Jiayin Group	1 Very Positive mention(s)	2 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Hawthorn Bancshares	2 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Does the MarketBeat Community favor JFIN or HWBK?

Hawthorn Bancshares received 125 more outperform votes than Jiayin Group when rated by MarketBeat users. Likewise, 62.93% of users gave Hawthorn Bancshares an outperform vote while only 53.52% of users gave Jiayin Group an outperform vote.

Company	Underperform	Outperform
Jiayin Group	Outperform Votes 38 53.52%	Underperform Votes 33 46.48%
Hawthorn Bancshares	Outperform Votes 163 62.93%	Underperform Votes 96 37.07%

Summary

Jiayin Group beats Hawthorn Bancshares on 11 of the 18 factors compared between the two stocks.