Hilltop Holdings Inc. provides business and consumer banking, and financial products and services. More Details
Flawless balance sheet with solid track record.
Share Price & News
How has Hilltop Holdings's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: HTH is not significantly more volatile than the rest 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.
7 Day Return
1 Year Return
Return vs Industry: HTH exceeded the US Banks industry which returned 64.8% over the past year.
Return vs Market: HTH exceeded the US Market which returned 33% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Hilltop Holdings's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall StHave Insiders Sold Hilltop Holdings Inc. (NYSE:HTH) Shares Recently?
1 month ago | Simply Wall StHilltop Holdings (NYSE:HTH) Could Be A Buy For Its Upcoming Dividend
2 months ago | Simply Wall StIs Hilltop Holdings' (NYSE:HTH) Share Price Gain Of 109% Well Earned?
Is Hilltop Holdings undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: HTH ($31.63) is trading below our estimate of fair value ($45.36)
Significantly Below Fair Value: HTH is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: HTH is good value based on its PE Ratio (5.3x) compared to the US Banks industry average (10.6x).
PE vs Market: HTH is good value based on its PE Ratio (5.3x) compared to the US market (17.5x).
Price to Earnings Growth Ratio
PEG Ratio: HTH's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: HTH's PB Ratio (1x) is in line with the US Banks industry average.
How is Hilltop Holdings forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
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 (-27.6% per year).
Earnings vs Market: HTH's earnings are forecast to decline over the next 3 years (-27.6% 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 (-9% per year).
High Growth Revenue: HTH's revenue is forecast to decline over the next 3 years (-9% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: HTH's Return on Equity is forecast to be low in 3 years time (8.2%).
How has Hilltop Holdings performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: HTH has high quality earnings.
Growing Profit Margin: HTH's current net profit margins (22.3%) are higher than last year (16%).
Past Earnings Growth Analysis
Earnings Trend: HTH's earnings have grown significantly by 29.5% per year over the past 5 years.
Accelerating Growth: HTH's earnings growth over the past year (85%) exceeds its 5-year average (29.5% per year).
Earnings vs Industry: HTH earnings growth over the past year (85%) exceeded the Banks industry 36%.
Return on Equity
High ROE: Whilst HTH's Return on Equity (20.11%) is high, this metric is skewed due to their high level of debt.
How is Hilltop Holdings's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: HTH's Assets to Equity ratio (7.1x) is low.
Allowance for Bad Loans: HTH has a sufficient allowance for bad loans (167%).
Low Risk Liabilities: 77% 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 (43%).
Low Risk Deposits: HTH's Loans to Deposits ratio (64%) is appropriate.
Level of Bad Loans: HTH has an appropriate level of bad loans (0.9%).
What is Hilltop Holdings's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: HTH's dividend (1.52%) is higher than the bottom 25% of dividend payers in the US market (1.35%).
High Dividend: HTH's dividend (1.52%) is low compared to the top 25% of dividend payers in the US market (3.65%).
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 5 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (7.4%), HTH's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: HTH's dividends in 3 years are forecast to be well covered by earnings (22.1% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Jeremy Ford (46 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
Compensation vs Market: Jeremy's total compensation ($USD5.23M) is about average for companies of similar size in the US market ($USD5.25M).
Compensation vs Earnings: Jeremy's compensation has increased by more than 20% in the past year.
Experienced Management: HTH's management team is considered experienced (3.8 years average tenure).
Experienced Board: HTH's board of directors are seasoned and experienced ( 13.4 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
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Hilltop Holdings Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Hilltop Holdings Inc.
- Ticker: HTH
- Exchange: NYSE
- Founded: 1998
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$2.567b
- Shares outstanding: 81.15m
- Website: https://www.hilltop-holdings.com
Number of Employees
- Hilltop Holdings Inc.
- 6565 Hillcrest Avenue
- United States
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...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/22 00:09|
|End of Day Share Price||2021/09/21 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.