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Market Cap

US$2.6b

Last Updated

2021/09/22 00:09 UTC

Data Sources

Company Financials +

Executive Summary

Hilltop Holdings Inc. provides business and consumer banking, and financial products and services. More Details


Snowflake Analysis

Flawless balance sheet with solid track record.


Similar Companies

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.


Market Performance


7 Day Return

0.6%

HTH

-1.6%

US Banks

-1.8%

US Market


1 Year Return

73.9%

HTH

67.8%

US Banks

31.5%

US Market

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.


Shareholder returns

HTHIndustryMarket
7 Day0.6%-1.6%-1.8%
30 Day-5.5%-2.3%-0.9%
90 Day-14.0%-1.5%0.8%
1 Year76.4%73.9%72.3%67.8%33.5%31.5%
3 Year60.5%53.0%20.2%9.8%57.5%47.8%
5 Year53.4%43.1%91.6%67.4%119.1%95.3%

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

Valuation

Is Hilltop Holdings undervalued compared to its fair value and its price relative to the market?

30.3%

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.


Future Growth

How is Hilltop Holdings forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?

-27.6%

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%).


Past Performance

How has Hilltop Holdings performed over the past 5 years?

29.5%

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.


Financial Health

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


Balance Sheet


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%).


Dividend

What is Hilltop Holdings's current dividend yield, its reliability and sustainability?

1.52%

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).


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

3.8yrs

Average management tenure


CEO

Jeremy Ford (46 yo)

2.42yrs

Tenure

US$5,226,227

Compensation

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.


Leadership Team

Experienced Management: HTH's management team is considered experienced (3.8 years average tenure).


Board Members

Experienced Board: HTH's board of directors are seasoned and experienced ( 13.4 years average tenure).


Ownership

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

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Hilltop Holdings Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • 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


Location

  • Hilltop Holdings Inc.
  • 6565 Hillcrest Avenue
  • Dallas
  • Texas
  • 75205
  • United States

Listings


Biography

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/09/22 00:09
End of Day Share Price2021/09/21 00:00
Earnings2021/06/30
Annual Earnings2020/12/31


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.