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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 Framework: Banks & Lenders Mid Cap
Hilltop Holdings Inc. (HTH), is a Mid Cap company, in the Banks - Regional industry, last closed at $38.44, about 3.5% overvalued vs fair value, +29.9% 1Y return, ranked 582/1037 in sector.
Metrics P/E 12.9× Rev Growth 8.6% ROE 7.6% Div Yield 2.18%
USD 38.44
1.48%
(Delayed)
• Vol 90d: 23.6%
52-Week Range
Market Cap
$2.22B
Enterprise Value
$1.49B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
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

Earnings Jul 23 Estimated

Fair Value Snapshot

Bear Base Bull
$21
$37
$70
Current: $38.44 -4% 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

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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
0/1
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
48
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
51
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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 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing HTH's balance between Growth (29.7%), Profitability (40.0%), and Safety (30.3%). Growth 30% Safety 30% Profitability 40%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

41th percentile vs peers
41
Key Signals
NII Growth YoY 5.5% 63p EPS Growth YoY 51.7% 83p Asset Growth YoY -2.6% 11p Equity Growth YoY -1.0% 12p
Strengths
  • EPS Growth YoY in top 20% of peers (51.7%, 83th percentile)
  • Efficiency Ratio in top 20% of peers (85.2%, 91th percentile)
Risks
  • Asset Growth YoY in bottom 20% of peers (-2.6%)
  • Equity Growth YoY in bottom 20% of peers (-1.0%)

Profitability

55th percentile vs peers
55
Key Signals
Strengths
Risks
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Safety

41th percentile vs peers
42
Key Signals
Strengths
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Two Futures

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

Loading valuation model...
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
- - -
-3.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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