CDZI vs HWBK

Comparison between Cadiz Inc (CDZI, Company) and Hawthorn Bancshares Inc (HWBK, Company).

CDZI is from the Utilities sector, while HWBK is from the Financial Services sector.

5-Year PerformanceHWBK has outperformed CDZI, delivering a return of +17.0% compared to -23.8%

CDZI vs HWBK - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CDZI(COMPANY)	HWBK(COMPANY)
Market Cap	$272M	$274M
Max Drawdown	99.51%	85.44%
Sharpe Ratio	0.29	1.05
5Y Beta	1.40	0.39
Industry	Utilities - Regulated Water	Banks - Regional
P/E Ratio	-8.11	11.79
Forward P/E	13.97	17.76
PEG Ratio	1.51	0.26
Dividend Yield	N/A	2.06%
5Y Dividends CAGR	N/A	10.85%
5Y EPS CAGR	-8.84%	11.75%
Debt to Equity	548.48%	0.00%
Free Cash Flow Yield	-10.03%	8.57%
P/S Ratio	18.23	3.15
P/B Ratio	17.24	1.46

Market Cap

CDZI

$272M

Winner

HWBK

$274M

Max Drawdown

CDZI

99.51%

Winner

HWBK

85.44%

Sharpe Ratio

CDZI

0.29

Winner

HWBK

1.05

5Y Beta

CDZI

1.40

Winner

HWBK

0.39

Industry

CDZI

Utilities - Regulated Water

HWBK

Banks - Regional

P/E Ratio

Winner

CDZI

-8.11

HWBK

11.79

Forward P/E

Winner

CDZI

13.97

HWBK

17.76

PEG Ratio

CDZI

1.51

Winner

HWBK

0.26

Dividend Yield

CDZI

N/A

HWBK

2.06%

5Y Dividends CAGR

CDZI

N/A

HWBK

10.85%

5Y EPS CAGR

CDZI

-8.84%

Winner

HWBK

11.75%

Debt to Equity

CDZI

548.48%

Winner

HWBK

0.00%

Free Cash Flow Yield

CDZI

-10.03%

Winner

HWBK

8.57%

P/S Ratio

CDZI

18.23

Winner

HWBK

3.15

P/B Ratio

CDZI

17.24

Winner

HWBK

1.46

CDZI vs HWBK - Historical Returns

Returns include dividend reinvestment.

Period	CDZI	HWBK
1 month	-9.28%	+3.06%
3 months	-24.89%	+11.05%
6 months	-26.95%	+16.40%
1 year	-2.25%	+35.87%
5 years(CAGR)	-23.78%	+17.05%
10 years(CAGR)	-7.78%	+16.33%
Max(CAGR)	-14.22%	+4.84%

CDZI

-9.28%

Winner

HWBK

+3.06%

CDZI

-24.89%

Winner

HWBK

+11.05%

CDZI

-26.95%

Winner

HWBK

+16.40%

CDZI

-2.25%

Winner

HWBK

+35.87%

5Y(CAGR)

CDZI

-23.78%

Winner

HWBK

+17.05%

10Y(CAGR)

CDZI

-7.78%

Winner

HWBK

+16.33%

Max(CAGR)

CDZI

-14.22%

Winner

HWBK

+4.84%

CDZI vs HWBK - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CDZI	HWBK
2026	-40.17%	+19.77%
2025	+10.65%	+19.77%
2024	+79.31%	+14.84%
2023	+8.95%	+20.62%
2022	-40.76%	-10.48%
2021	-63.27%	+24.90%
2020	-2.65%	-8.65%
2019	+7.41%	+26.29%
2018	-27.46%	+7.41%
2017	+16.33%	+22.50%
2016	+117.01%	+18.97%
2015	-51.65%	+10.84%
2014	+58.87%	+21.41%
2013	-16.35%	+61.51%
2012	-16.19%	+26.63%
2011	-23.33%	-25.68%
2010	+3.41%	-8.42%
2009	-9.52%	-40.34%
2008	-37.92%	-29.38%
2007	-8.50%	-21.79%
2006	+9.29%	+8.60%
2005	+55.23%	+2.75%
2004	+196.88%	-19.31%
2003	-66.00%	+62.92%
2002	-93.28%	+32.55%
2001	-8.34%	+16.19%
2000	-0.67%	-59.68%
1999	+12.56%	+3.67%

CDZI vs HWBK Drawdown Comparison

The maximum drawdown for CDZI was -99.51%, occurring on Jul 22, 2003. This drawdown has not yet recovered.

The maximum drawdown for HWBK was -81.22%, occurring on Oct 25, 2011. Recovery took 3433 trading sessions.

The current CDZI drawdown is -98.88%. The current HWBK drawdown is -0.62%.

Rank	CDZI	HWBK
#1	-99.51% Feb 15, 2000 - Jul 22, 2003	-81.22% Jul 29, 2003 - Mar 17, 2017
#2	-11.11% Nov 2, 1999 - Dec 16, 1999	-64.72% Apr 7, 2000 - Jun 17, 2003
#3	-9.51% Dec 16, 1999 - Dec 31, 1999	-49.70% Jul 2, 2019 - Mar 10, 2021
#4	-5.89% Dec 31, 1999 - Jan 7, 2000	-35.78% Jul 20, 2022 - Dec 20, 2023
#5	-4.77% Jan 25, 2000 - Feb 3, 2000	-27.86% Jan 2, 2024 - Sep 18, 2024
#6	-3.69% Feb 4, 2000 - Feb 10, 2000	-26.75% Feb 13, 2025 - Dec 3, 2025
#7	-2.33% Jan 12, 2000 - Jan 24, 2000	-24.18% Mar 17, 2017 - Apr 10, 2018
#8	-2.03% Feb 10, 2000 - Feb 15, 2000	-17.07% Mar 10, 2021 - Nov 11, 2021
#9	N/A	-16.20% Sep 20, 2018 - Feb 25, 2019
#10	N/A	-15.59% Nov 19, 2024 - Feb 13, 2025
#11	N/A	-14.04% Jun 25, 2003 - Jul 9, 2003
#12	N/A	-13.74% Dec 19, 2025 - May 6, 2026
#13	N/A	-13.60% Sep 26, 2024 - Oct 24, 2024
#14	N/A	-8.62% Apr 20, 2022 - Jul 14, 2022
#15	N/A	-8.35% Jun 26, 2026 - Aug 7, 2026