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Company Analysis

Hilltop Holdings Inc. HTH

A comprehensive view of key metrics, scores, and financial health for Hilltop Holdings Inc.

Overview of Hilltop Holdings Inc.

HTH NYQ
Financial Services Banks - Regional Mid Cap
Hilltop Holdings Inc. (HTH), is a Mid Cap company, in the Banks - Regional industry, last closed at $34.75, about 6.8% undervalued vs fair value, +12.4% 1Y return, ranked 572/1004 in sector.
$34.75
-0.40%
As of March 13, 2026
Previous close • Vol 90d: 22.7%
52-Week Range
Market Cap
$2.21B
Enterprise Value
$1.48B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.hilltop.com
HQ Dallas, TX
Employees 3,500
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$21
$37
$70
Current: $34.75 +7% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$784.0M
-6.3%%
Interest Expense
$343.3M
Net Interest Income
$440.7M
5.5%%
Total Revenue
$1.2B
8.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.6%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$229.4M
138.6% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Hilltop Holdings Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
46
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
48
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing HTH's balance between Growth (12.7%), Profitability (37.1%), and Safety (50.2%). Growth 13% Safety 50% Profitability 37%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

12th percentile vs peers
12
Key Signals
Rev Growth YoY 8.6% 16p Asset Growth YoY -2.6% 11p Revenue CAGR 3Y -0.0% 8p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth in bottom 20% of peers (percentile: 12)
  • Rev Growth Yoy in bottom 20% of peers (8.6%)
  • Asset Growth Yoy in bottom 20% of peers (-2.6%)

Profitability

36th percentile vs peers
36
Key Signals
Strengths
Risks
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Safety

49th percentile vs peers
49
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Hilltop Holdings Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$37.11
- - -
+6.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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