HWBK vs CDZI

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

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

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

HWBK vs CDZI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

Winner

HWBK

$274M

CDZI

$272M

Max Drawdown

Winner

HWBK

85.44%

CDZI

99.51%

Sharpe Ratio

Winner

HWBK

1.05

CDZI

0.29

5Y Beta

Winner

HWBK

0.39

CDZI

1.40

Industry

HWBK

Banks - Regional

CDZI

Utilities - Regulated Water

P/E Ratio

HWBK

11.79

Winner

CDZI

-8.11

Forward P/E

HWBK

17.76

Winner

CDZI

13.97

PEG Ratio

Winner

HWBK

0.26

CDZI

1.51

Dividend Yield

HWBK

2.06%

CDZI

N/A

5Y Dividends CAGR

HWBK

10.85%

CDZI

N/A

5Y EPS CAGR

Winner

HWBK

11.75%

CDZI

-8.84%

Debt to Equity

Winner

HWBK

0.00%

CDZI

548.48%

Free Cash Flow Yield

Winner

HWBK

8.57%

CDZI

-10.03%

P/S Ratio

Winner

HWBK

3.15

CDZI

18.23

P/B Ratio

Winner

HWBK

1.46

CDZI

17.24

HWBK vs CDZI - Historical Returns

Returns include dividend reinvestment.

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

Winner

HWBK

+3.06%

CDZI

-9.28%

Winner

HWBK

+11.05%

CDZI

-24.89%

Winner

HWBK

+16.40%

CDZI

-26.95%

Winner

HWBK

+35.87%

CDZI

-2.25%

5Y(CAGR)

Winner

HWBK

+17.05%

CDZI

-23.78%

10Y(CAGR)

Winner

HWBK

+16.33%

CDZI

-7.78%

Max(CAGR)

Winner

HWBK

+4.84%

CDZI

-14.22%

HWBK vs CDZI - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

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

HWBK vs CDZI Drawdown Comparison

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

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

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

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