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Hilltop Holdings NYSE:HTH Stock Report

Last Price


Market Cap







07 Aug, 2022


Company Financials +
HTH fundamental analysis
Snowflake Score
Future Growth0/6
Past Performance2/6
Financial Health6/6

HTH Stock Overview

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

Hilltop Holdings Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Hilltop Holdings
Historical stock prices
Current Share PriceUS$28.29
52 Week HighUS$38.47
52 Week LowUS$25.07
1 Month Change5.68%
3 Month Change-4.94%
1 Year Change-15.38%
3 Year Change26.46%
5 Year Change11.69%
Change since IPO48.90%

Recent News & Updates

Jul 21

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.

Shareholder Returns

HTHUS BanksUS Market

Return vs Industry: HTH underperformed the US Banks industry which returned -14.1% over the past year.

Return vs Market: HTH underperformed the US Market which returned -12.9% over the past year.

Price Volatility

Is HTH's price volatile compared to industry and market?
HTH volatility
HTH Average Weekly Movement3.9%
Banks Industry Average Movement3.7%
Market Average Movement7.9%
10% most volatile stocks in US Market17.1%
10% least volatile stocks in US Market3.2%

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

19984,925Jeremy Ford

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

How do Hilltop Holdings's earnings and revenue compare to its market cap?
HTH fundamental statistics
Market CapUS$1.83b
Earnings (TTM)US$210.60m
Revenue (TTM)US$1.55b


P/E Ratio


P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
HTH income statement (TTM)
Cost of RevenueUS$0
Gross ProfitUS$1.55b
Other ExpensesUS$1.34b

Last Reported Earnings

Jun 30, 2022

Next Earnings Date


Earnings per share (EPS)3.26
Gross Margin100.00%
Net Profit Margin13.60%
Debt/Equity Ratio101.6%

How did HTH perform over the long term?

See historical performance and comparison



Current Dividend Yield


Payout Ratio

Does HTH pay a reliable dividends?

See HTH dividend history and benchmarks
When do you need to buy HTH by to receive an upcoming dividend?
Hilltop Holdings dividend dates
Ex Dividend DateAug 11 2022
Dividend Pay DateAug 26 2022
Days until Ex dividend3 days
Days until Dividend pay date18 days

Does HTH pay a reliable dividends?

See HTH dividend history and benchmarks
We’ve recently updated our valuation analysis.


Is HTH undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score


Valuation Score 2/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

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.

HTH key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio-0.4x

Price to Earnings Ratio vs Peers

How does HTH's PE Ratio compare to its peers?

HTH PE Ratio vs Peers
The above table shows the PE ratio for HTH vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average13.3x
NBTB NBT Bancorp
NWBI Northwest Bancshares
LKFN Lakeland Financial
HOPE Hope Bancorp
HTH Hilltop Holdings

Price-To-Earnings vs Peers: HTH is good value based on its Price-To-Earnings Ratio (8.7x) compared to the peer average (13.3x).

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 (8.7x) compared to the US Banks industry average (9.8x)

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.

HTH PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio8.7x
Fair PE Ratio8.3x

Price-To-Earnings vs Fair Ratio: HTH is expensive based on its Price-To-Earnings Ratio (8.7x) compared to the estimated Fair Price-To-Earnings Ratio (8.3x).

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 ($28.29) is trading above our estimate of fair value ($19.28)

Significantly Below Fair Value: HTH is trading above our estimate of fair value.

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 lower than the current share price.

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Future Growth

How is Hilltop Holdings forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?

Future Growth Score


Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


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 (-19.5% per year).

Earnings vs Market: HTH's earnings are forecast to decline over the next 3 years (-19.5% 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 (-3.6% per year).

High Growth Revenue: HTH's revenue is forecast to decline over the next 3 years (-3.6% 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

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Past Performance

How has Hilltop Holdings performed over the past 5 years?

Past Performance Score


Past Performance Score 2/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


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 (8.8%).

Return on Equity

High ROE: HTH's Return on Equity (10.7%) is considered low.

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Financial Health

How is Hilltop Holdings's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score


Financial Health Score 6/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

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%).

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

Dividend Score


Dividend Score 2/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


Current Dividend Yield

Upcoming Dividend Payment

TodayAug 07 2022Ex Dividend DateAug 11 2022Dividend Pay DateAug 26 202215 days from Ex DividendBuy in the next 3 days to receive the upcoming dividend

Dividend Yield vs Market

Notable Dividend: HTH's dividend (2.12%) is higher than the bottom 25% of dividend payers in the US market (1.52%).

High Dividend: HTH's dividend (2.12%) is low compared to the top 25% of dividend payers in the US market (4.09%).

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.

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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

Compensation vs Market: Jeremy's total compensation ($USD6.68M) is about average for companies of similar size in the US market ($USD5.42M).

Compensation vs Earnings: Jeremy's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.

Leadership Team

Experienced Management: HTH's management team is seasoned and experienced (5.9 years average tenure).

Board Members

Experienced Board: HTH's board of directors are seasoned and experienced ( 14.3 years average tenure).


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold 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 employee growth, exchange listings and data sources

Key Information

  • Name: Hilltop Holdings Inc.
  • Ticker: HTH
  • Exchange: NYSE
  • Founded: 1998
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: US$1.827b
  • Shares outstanding: 64.58m
  • Website:

Number of Employees


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


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/08/07 00:00
End of Day Share Price2022/08/05 00:00
Annual Earnings2021/12/31

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.