Hilltop Holdings stock analysis
Hilltop Holdings (WXF) Stock Price & Analysis
WXF Stock Chart & Stats
- Day’s Range
- EUR 32.20 - EUR 32.60
- 52-Week Range
- EUR 27.60 - EUR 35.00
- Previous Close
- EUR 32.80
- Volume
- N/A
- Average Volume (3M)
- 0
- Market Cap
- EUR 1.89B
- Enterprise Value
- EUR 2.05B
- Total Cash (Recent Filing)
- EUR 4.04B
- Total Debt (Recent Filing)
- EUR 1.09B
- Price to Earnings (P/E)
- 15.2
- Beta
- 0.37
- Next Earnings
- Jan 28, 2027 (Est.)
- EPS Estimate
- 0.5
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 2.28%
Bulls Say, Bears Say
Bulls Say
Banking Growth
Strong commercial loan and deposit momentum supports recurring net interest income and expands the bank’s relationship base. Continued pipeline activity and expected 7%-8% loan growth provide a durable foundation for core banking earnings over the next several quarters.
Capital Strength
A high common equity tier one ratio gives Hilltop meaningful capacity to absorb credit or market volatility while continuing to fund organic growth. Capital strength also supports dividends and repurchases without indicating an immediate need to constrain strategic investment.
Business Diversification
Strength in Public Finance and Wealth Management provides earnings diversification beyond traditional lending and mortgage origination. Combined with stable expenses and productivity initiatives, these businesses can help offset pressure in more rate-sensitive operations.
Bears Say
Mortgage Weakness
Persistent mortgage-rate and affordability pressure is reducing origination volume, gain-on-sale margins, and profitability at PrimeLending. Management’s expectation that weakness extends into 2027 makes this a durable drag on consolidated earnings rather than a single-quarter setback.
Funding And Margin Pressure
Higher deposit costs can narrow the spread between asset yields and funding costs, limiting the benefit of continued loan growth. If net interest margin levels off or declines, Hilltop may need stronger balance-sheet growth or fee income to sustain banking earnings.
Uneven Cash Generation
Positive trailing free cash flow is supportive, but the recent reversal and sharply negative growth indicate that cash conversion is not consistently predictable. Such volatility can complicate capital allocation and make earnings less reliable during changing funding or working-capital conditions.
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Hilltop Holdings Stock Smart Score
Company Description
Hilltop Holdings
Hilltop Holdings Inc., a Dallas, Texas-based entity established in 1998, delivers a comprehensive suite of financial products and services, catering to both corporate and individual clients. Its operations are structured into three primary divisions: Banking, Broker-Dealer activities, and Mortgage Origination. The Banking division encompasses a range of deposit products, including checking (both standard and interest-bearing), savings, money market accounts, and certificates of deposit. It extends various credit facilities such as lines and letters of credit, home improvement and equity financing, loans for securities acquisition, equipment leasing and loans, agricultural and commercial real estate funding, alongside commercial, industrial, term, and construction loans. Additionally, this segment offers treasury, wealth, and asset management services, along with essential banking conveniences like check cards, safe deposit boxes, online banking, bill payment, trust services, and overdraft protection. Further specialized offerings include estate planning, investment portfolio administration, employee benefit accounts, individual retirement accounts, and ATM access. The Broker-Dealer segment focuses on public finance, aiding governmental and municipal entities with the origination, syndication, and distribution of their securities. It also delivers specialized advisory and investment banking solutions, including counsel on arbitrage rebate compliance, portfolio oversight, and the administration of local government investment pools. Structured finance services, encompassing advice on derivatives and commodities, are also part of its portfolio. The segment actively engages in the sale, trading, and underwriting of a broad spectrum of fixed-income securities, such as U.S. government and agency bonds, corporate and municipal bonds, as well as mortgage-backed, asset-backed, commercial mortgage-backed securities, and other structured products. Other offerings include asset and liability management advisory, clearing services, retail brokerage, and securities lending. Finally, the Mortgage Origination unit is dedicated to originating a variety of residential mortgage loans, including conventional, jumbo, FHA (Federal Housing Administration), VA (Veterans Affairs), and USDA (United States Department of Agriculture) programs.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Jeremy Blue Ford
- Employees
- 3,530
- Website
- www.hilltop.com
- Address
- 6565 Hillcrest Avenue, Dallas, TX, 75205, US
Hilltop Holdings (WXF) Earnings & Revenues
WXF Company Deck
WXF Earnings Call
Earnings Call SentimentNeutral
The call presented a resilient but mixed outlook. PlainsCapital Bank delivered strong loan, deposit, net interest income, and pipeline growth, while Public Finance, Wealth Management, capital levels, and expense discipline were positive. These strengths were offset by significant mortgage losses and ongoing mortgage-market weakness, interest-rate volatility affecting trading results, mark-to-market losses, higher credit-loss provisions, expected deposit-cost pressure, and uncertainty around rates and the economy.
View all DE:WXF earnings summariesWXF Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 13 | 6 | 3 |
| Technical Analysis | 2 | 6 | 2 |
| Moving Averages | 11 | 0 | 1 |
