Hilltop Holdings (HTH) AI Stock Analysis

• Market Cap: $2.00B
• Dividend Yield: 2.15%
• Average Volume (3M): 356.35K
• Price to Earnings (P/E): 13.0
• Beta (1Y): 0.71
• Revenue Growth: 5.21%
• EPS Growth: 53.15%
• Country: US
• Employees: 3,616
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.74
• Shares Outstanding: 61,328,537
• 10 Day Avg. Volume: 375,242
• 30 Day Avg. Volume: 356,345
• PEG Ratio: 5.56
• Price to Book (P/B): 0.85
• Price to Sales (P/S): 1.21
• P/FCF Ratio: 6.98
• Enterprise Value/Market Cap: 0.96
• Enterprise Value/Revenue: 1.44
• Enterprise Value/Gross Profit: 2.23
• Enterprise Value/Ebitda: 8.36
• 1Y Price Target: $35.00
• Price Target Upside: 5.77% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 71 Outperform
• Price Target: $36.00 ▲(8.79% Upside)

Hilltop Holdings' overall score is driven by strong financial performance and earnings call highlights, despite challenges in revenue growth and the mortgage market. The stock's reasonable valuation and dividend yield further support its attractiveness, although technical indicators suggest weak momentum.

Hilltop Holdings Business Overview & Revenue Model

Company Description

Hilltop Holdings Inc. (HTH) is a diversified financial services company based in Dallas, Texas. The company operates primarily through its subsidiaries in the banking, insurance, and investment sectors. Its core products and services include commercial and consumer banking, mortgage origination and servicing, insurance underwriting and brokerage, and investment advisory services. Hilltop Holdings aims to provide comprehensive financial solutions to its clients, leveraging its diverse portfolio to meet various customer needs.

How the Company Makes Money

Hilltop Holdings generates revenue through multiple key streams. Primarily, it earns interest income from its banking operations, which include loans and deposits. The company also generates non-interest income from its mortgage banking segment through origination fees, servicing fees, and gains on the sale of mortgage loans. Additionally, the insurance segment contributes to revenue through premiums collected from underwriting and brokerage services. Investment advisory services provide fee-based income as well. Significant partnerships with mortgage lenders and real estate companies enhance its origination capabilities, contributing further to its earnings.

Hilltop Holdings Financial Statement Overview

Summary

Hilltop Holdings shows a mixed financial performance. Despite challenges in revenue growth, the company maintains strong profitability margins and a stable financial position with moderate leverage. Robust cash generation enhances liquidity and operational resilience.

Income Statement

Hilltop Holdings has shown a decline in revenue growth with a negative rate of -68.3% in the TTM period, indicating potential challenges in maintaining its revenue base. However, the company maintains a strong gross profit margin of 75.53% and a decent net profit margin of 9.28%, suggesting efficient cost management and profitability. The EBIT and EBITDA margins are also healthy at 12.54% and 13.81%, respectively, reflecting operational efficiency.

Balance Sheet

The company's debt-to-equity ratio of 0.45 in the TTM period indicates a moderate level of leverage, which is a positive sign of financial stability. The return on equity (ROE) stands at 6.54%, showing a reasonable return on shareholders' investments. The equity ratio is not explicitly calculated, but the company's equity position appears stable relative to its total assets.

Cash Flow

Hilltop Holdings has demonstrated a significant improvement in free cash flow growth at 99.64% in the TTM period, indicating strong cash generation capabilities. The operating cash flow to net income ratio of 0.56 and free cash flow to net income ratio of 0.99 suggest effective conversion of income into cash, supporting liquidity and operational flexibility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.33B	1.54B	1.50B	1.35B	1.85B	2.16B
Gross Profit	860.50M	1.12B	1.11B	1.21B	1.80B	1.94B
EBITDA	229.67M	174.21M	168.75M	188.75M	528.70M	586.28M
Net Income	159.53M	113.21M	109.65M	113.13M	374.50M	447.84M
Balance Sheet
Total Assets	15.61B	16.27B	16.47B	16.27B	18.69B	16.94B
Cash, Cash Equivalents and Short-Term Investments	1.28B	3.70B	3.37B	3.24B	4.95B	2.52B
Total Debt	998.76M	1.35B	1.39B	1.50B	1.47B	1.35B
Total Liabilities	13.39B	14.05B	14.32B	14.20B	16.14B	14.59B
Stockholders Equity	2.19B	2.19B	2.12B	2.05B	2.52B	2.32B
Cash Flow
Free Cash Flow	166.09M	266.80M	434.54M	1.18B	740.87M	242.69M
Operating Cash Flow	167.01M	273.93M	443.02M	1.19B	765.62M	280.44M
Investing Cash Flow	-221.84M	354.22M	158.34M	-877.30M	-553.27M	-827.67M
Financing Cash Flow	-683.09M	-174.31M	-332.51M	-1.71B	1.48B	1.26B

Hilltop Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 33.09
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HTH, the sentiment is Positive. The current price of 33.09 is above the 20-day moving average (MA) of 32.49, below the 50-day MA of 33.52, and above the 200-day MA of 31.09, indicating a neutral trend. The MACD of -0.12 indicates Negative momentum. The RSI at 52.63 is Neutral, neither overbought nor oversold. The STOCH value of 29.96 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HTH.

Hilltop Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BANR	73 Outperform	$2.05B	10.94	10.28%	3.21%	6.98%	15.08%
NBTB	72 Outperform	$2.13B	13.55	8.87%	3.37%	11.65%	5.61%
HTH	71 Outperform	$2.00B	13.03	7.31%	2.15%	5.21%	53.15%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BUSE	66 Neutral	$2.02B	19.75	5.33%	4.34%	41.43%	-41.31%
EFSC	60 Neutral	$1.97B	10.34	10.25%	2.19%	6.59%	9.36%
SYBT	59 Neutral	$1.93B	14.25	31.21%	1.87%	11.72%	26.27%

Hilltop Holdings Corporate Events

Hilltop’s Earnings Call: Strong Performance Amid Mortgage Challenges

Hilltop’s recent earnings call painted a picture of robust financial health, underscored by strong net income and improved asset quality. The HilltopSecurities segment stood out with significant achievements. However, the call also highlighted challenges in the mortgage market, particularly affecting PrimeLending, which reported losses.

Hilltop Holdings Reports Strong Q3 2025 Financial Results

Hilltop Holdings Inc. announced its financial results for the third quarter of 2025, reporting a significant increase in income to common stockholders, reaching $45.8 million compared to $29.7 million in the same period of 2024. This growth was driven by increases in the reversal of credit losses and net interest income, as well as a decrease in noninterest expense within the banking segment. Additionally, the company declared a quarterly cash dividend of $0.18 per common share and expanded its stock repurchase program by $50 million, bringing the total to $185 million, with $62 million remaining available for repurchase. These strategic financial maneuvers reflect Hilltop’s ongoing efforts to enhance shareholder value and adapt to market conditions.

The most recent analyst rating on (HTH) stock is a Hold with a $35.00 price target. To see the full list of analyst forecasts on Hilltop Holdings stock, see the HTH Stock Forecast page.

Hilltop Holdings Appoints New Lead Independent Director

On August 27, 2025, Tracy A. Bolt and A. Haag Sherman resigned from the Board of Directors of Hilltop Holdings Inc., with their departures not stemming from any disagreements with the company’s operations or policies. Subsequently, on August 29, 2025, J. Taylor Crandall was appointed as the Lead Independent Director of the Board, indicating a strategic shift in the company’s governance structure.

The most recent analyst rating on (HTH) stock is a Buy with a $37.00 price target. To see the full list of analyst forecasts on Hilltop Holdings stock, see the HTH Stock Forecast page.