HTH Stock Overview
Hilltop Holdings Inc. provides business and consumer banking, and financial products and services.
Hilltop Holdings Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$24.56|
|52 Week High||US$38.47|
|52 Week Low||US$24.18|
|1 Month Change||-7.84%|
|3 Month Change||-10.20%|
|1 Year Change||-24.82%|
|3 Year Change||4.69%|
|5 Year Change||-5.90%|
|Change since IPO||29.26%|
Recent News & Updates
Hilltop goes ex dividend tomorrow
Hilltop (NYSE:HTH) has declared $0.15/share quarterly dividend, in line with previous. Payable Aug. 26; for shareholders of record Aug. 12; ex-div Aug. 11. See HTH Dividend Scorecard, Yield Chart, & Dividend Growth.
Hilltop GAAP EPS of $0.45 beats by $0.11, revenue of $351.33M beats by $19.45M
Hilltop press release (NYSE:HTH): Q2 GAAP EPS of $0.45 beats by $0.11. Revenue of $351.33M (-21.5% Y/Y) beats by $19.45M. Hilltop’s consolidated annualized return on average assets and return on average equity for the second quarter of 2022 were 0.80% and 5.82%, respectively, compared to 2.29% and 16.42%, respectively, for the second quarter of 2021. Hilltop maintained strong capital levels with a Tier 1 Leverage Ratio of 10.53% and a Common Equity Tier 1 Capital Ratio of 17.24% at June 30, 2022.
|HTH||US Banks||US Market|
Return vs Industry: HTH underperformed the US Banks industry which returned -23.8% over the past year.
Return vs Market: HTH underperformed the US Market which returned -20.3% over the past year.
|HTH Average Weekly Movement||3.8%|
|Banks Industry Average Movement||3.4%|
|Market Average Movement||6.9%|
|10% most volatile stocks in US Market||15.8%|
|10% least volatile stocks in US Market||2.8%|
Stable Share Price: HTH is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: HTH's weekly volatility (4%) has been stable over the past year.
About the Company
Hilltop Holdings Inc. provides business and consumer banking, and financial products and services. It operates through three segments: Banking, Broker-Dealer, and Mortgage Origination. The Banking segment offers savings, checking, interest-bearing checking, and money market accounts; certificates of deposit; lines and letters of credit, home improvement and equity loans, loans for purchasing and carrying securities, equipment loans and leases, agricultural and commercial real estate loans, and other loans; and commercial and industrial loans, and term and construction finance.
Hilltop Holdings Fundamentals Summary
|HTH fundamental statistics|
Is HTH overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|HTH income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||3.26|
|Net Profit Margin||13.60%|
How did HTH perform over the long term?See historical performance and comparison
2.4%Current Dividend Yield
Is HTH undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 4/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for HTH?
Other financial metrics that can be useful for relative valuation.
|What is HTH's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does HTH's PE Ratio compare to its peers?
|HTH PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
NBTB NBT Bancorp
HOPE Hope Bancorp
TCBK TriCo Bancshares
NWBI Northwest Bancshares
HTH Hilltop Holdings
Price-To-Earnings vs Peers: HTH is good value based on its Price-To-Earnings Ratio (7.5x) compared to the peer average (11.4x).
Price to Earnings Ratio vs Industry
How does HTH's PE Ratio compare vs other companies in the US Banks Industry?
Price-To-Earnings vs Industry: HTH is good value based on its Price-To-Earnings Ratio (7.5x) compared to the US Banks industry average (9.5x)
Price to Earnings Ratio vs Fair Ratio
What is HTH's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||7.5x|
|Fair PE Ratio||7.3x|
Price-To-Earnings vs Fair Ratio: HTH is expensive based on its Price-To-Earnings Ratio (7.5x) compared to the estimated Fair Price-To-Earnings Ratio (7.3x).
Share Price vs Fair Value
What is the Fair Price of HTH when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: HTH ($24.56) is trading below our estimate of fair value ($69.28)
Significantly Below Fair Value: HTH is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is less than 20% higher than the current share price.
Discover undervalued companies
How is Hilltop Holdings forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: HTH's earnings are forecast to decline over the next 3 years (-26.2% per year).
Earnings vs Market: HTH's earnings are forecast to decline over the next 3 years (-26.2% per year).
High Growth Earnings: HTH's earnings are forecast to decline over the next 3 years.
Revenue vs Market: HTH's revenue is expected to decline over the next 3 years (-6.1% per year).
High Growth Revenue: HTH's revenue is forecast to decline over the next 3 years (-6.1% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if HTH's Return on Equity is forecast to be high in 3 years time
Discover growth companies
How has Hilltop Holdings performed over the past 5 years?
Past Performance Score2/6
Past Performance Score 2/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: HTH has high quality earnings.
Growing Profit Margin: HTH's current net profit margins (13.6%) are lower than last year (22.3%).
Past Earnings Growth Analysis
Earnings Trend: HTH's earnings have grown significantly by 24.9% per year over the past 5 years.
Accelerating Growth: HTH's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: HTH had negative earnings growth (-56.5%) over the past year, making it difficult to compare to the Banks industry average (8.7%).
Return on Equity
High ROE: HTH's Return on Equity (10.7%) is considered low.
Discover strong past performing companies
How is Hilltop Holdings's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: HTH's Assets to Equity ratio (8.1x) is low.
Allowance for Bad Loans: HTH has a sufficient allowance for bad loans (267%).
Low Risk Liabilities: 81% of HTH's liabilities are made up of primarily low risk sources of funding.
Loan Level: HTH has an appropriate level of Loans to Assets ratio (47%).
Low Risk Deposits: HTH's Loans to Deposits ratio (66%) is appropriate.
Level of Bad Loans: HTH has an appropriate level of bad loans (0.4%).
Discover healthy companies
What is Hilltop Holdings's current dividend yield, its reliability and sustainability?
Dividend Score 2/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
|Hilltop Holdings Dividend Yield vs Market|
|Company (Hilltop Holdings)||2.4%|
|Market Bottom 25% (US)||1.6%|
|Market Top 25% (US)||4.6%|
|Industry Average (Banks)||3.4%|
|Analyst forecast in 3 Years (Hilltop Holdings)||2.6%|
Notable Dividend: HTH's dividend (2.44%) is higher than the bottom 25% of dividend payers in the US market (1.64%).
High Dividend: HTH's dividend (2.44%) is low compared to the top 25% of dividend payers in the US market (4.61%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, HTH has been paying a dividend for less than 10 years.
Growing Dividend: HTH's dividend payments have increased, but the company has only paid a dividend for 6 years.
Current Payout to Shareholders
Earnings Coverage: With its low payout ratio (20%), HTH's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Jeremy Ford (47 yo)
Mr. Jeremy Blue Ford serves as President, Chief Executive Officer and Chairman at PlainsCapital Corporation. He has been Chairman of the Board at First Acceptance Corporation since November 2011. Mr. Ford...
CEO Compensation Analysis
|Jeremy Ford's Compensation vs Hilltop Holdings Earnings|
|Date||Total Comp.||Salary||Company Earnings|
|Jun 30 2022||n/a||n/a|
|Mar 31 2022||n/a||n/a|
|Dec 31 2021||US$7m||US$793k|
|Sep 30 2021||n/a||n/a|
|Jun 30 2021||n/a||n/a|
|Mar 31 2021||n/a||n/a|
|Dec 31 2020||US$5m||US$768k|
|Sep 30 2020||n/a||n/a|
|Jun 30 2020||n/a||n/a|
|Mar 31 2020||n/a||n/a|
|Dec 31 2019||US$4m||US$750k|
|Sep 30 2019||n/a||n/a|
|Jun 30 2019||n/a||n/a|
|Mar 31 2019||n/a||n/a|
|Dec 31 2018||US$3m||US$729k|
|Sep 30 2018||n/a||n/a|
|Jun 30 2018||n/a||n/a|
|Mar 31 2018||n/a||n/a|
|Dec 31 2017||US$3m||US$719k|
|Sep 30 2017||n/a||n/a|
|Jun 30 2017||n/a||n/a|
|Mar 31 2017||n/a||n/a|
|Dec 31 2016||US$2m||US$700k|
|Sep 30 2016||n/a||n/a|
|Jun 30 2016||n/a||n/a|
|Mar 31 2016||n/a||n/a|
|Dec 31 2015||US$2m||US$663k|
Compensation vs Market: Jeremy's total compensation ($USD6.68M) is about average for companies of similar size in the US market ($USD5.56M).
Compensation vs Earnings: Jeremy's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
Experienced Management: HTH's management team is seasoned and experienced (6 years average tenure).
Experienced Board: HTH's board of directors are seasoned and experienced ( 14.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: HTH insiders have only sold shares in the past 3 months.
Recent Insider Transactions
|16 Aug 22||SellUS$1,187,500||Hillel Feinberg||Individual||40,000||US$29.69|
|24 Feb 22||SellUS$744,250||Martin Winges||Individual||25,000||US$29.77|
|06 Dec 21||SellUS$353,571||Hillel Feinberg||Individual||10,000||US$35.36|
|03 Nov 21||SellUS$110,820||Keith Bornemann||Individual||3,000||US$36.94|
|Owner Type||Number of Shares||Ownership Percentage|
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
|Ownership||Name||Shares||Current Value||Change %||Portfolio %|
Hilltop Holdings Inc.'s employee growth, exchange listings and data sources
- Name: Hilltop Holdings Inc.
- Ticker: HTH
- Exchange: NYSE
- Founded: 1998
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$1.586b
- Shares outstanding: 64.58m
- Website: https://www.hilltop-holdings.com
Number of Employees
- Hilltop Holdings Inc.
- 6565 Hillcrest Avenue
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|WXF||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Feb 2004|
|HTH||NYSE (New York Stock Exchange)||Yes||Common Stock||US||USD||Feb 2004|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/09/29 00:00|
|End of Day Share Price||2022/09/29 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.