Hilltop Holdings Inc. (HTH)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Hilltop Holdings Inc. (HTH) trades at $38.60 with AI Score 38/100 (Grade D). Hilltop Holdings Inc. provides business and consumer banking and financial services through its Banking, Broker-Dealer, and Mortgage Origination segments. Market cap: $2.26B, Sector: Financial services.
Price live · AI analysis from May 9, 2026Analyst Coverage for HTH: HTH does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates HTH against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
HTH: 5/7 perspectives are bullish. Dominant signal: Ken Griffin bearish.
How is this calculated? →Hilltop Holdings Inc. (HTH) Financial Services Profile
Hilltop Holdings Inc. is a financial services company providing banking, broker-dealer, and mortgage origination services. With a $2.26B market cap and a dividend yield of 2.01%, Hilltop operates in a competitive regional banking sector, balancing traditional financial services with evolving market demands.
What Is the Investment Thesis for HTH?
Hilltop Holdings presents a mixed investment thesis. The company's diversified business model, spanning banking, broker-dealer, and mortgage origination services, offers resilience across different economic cycles. With a P/E ratio of 13.9 and a dividend yield of 2.01%, the company offers potential value and income. A gross margin of 79.4% indicates efficient operations. However, the company's beta of 0.92 suggests market sensitivity. Growth catalysts include expansion of wealth management and mortgage origination services. Potential risks include regulatory changes and interest rate fluctuations impacting lending margins. Investors should monitor the company's ability to maintain profitability and manage credit risk in a changing economic environment.
Based on FMP financials and quantitative analysis
HTH Key Highlights
- Market capitalization of $2.26B, reflecting its position as a significant regional financial services provider.
- P/E ratio of 13.9, suggesting a potentially reasonable valuation compared to earnings.
- Profit margin of 10.1%, indicating solid profitability in the financial services sector.
- Gross margin of 79.4%, highlighting efficient operations and cost management.
- Dividend yield of 2.01%, offering an income stream for investors.
Who Are HTH's Competitors?
HTH is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| PNFP Pinnacle Financial Partners, Inc. | $99.92 | +0.42% | $7.68B | 79 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| CVLY Codorus Valley Bancorp, Inc. | $24.04 | +4.98% | $232.28M | 63 |
| FBVI FCN Banc Corp. | $35.87 | +0.17% | $61.78M | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are HTH's Key Strengths?
- Diversified revenue streams across banking, broker-dealer, and mortgage origination.
- Strong presence in the Texas market.
- Solid gross margin of 79.4%.
- Dividend yield of 2.01% provides investor income.
What Are HTH's Weaknesses?
- Sensitivity to interest rate fluctuations.
- Exposure to regulatory changes in the financial services industry.
- Reliance on the Texas economy.
- Potential for increased competition from fintech companies.
What Could Drive HTH Stock Higher?
- Potential interest rate cuts by the Federal Reserve could stimulate mortgage origination demand.
- Expansion of wealth management services to attract new clients and increase assets under management.
- Digital transformation initiatives to improve customer experience and streamline operations.
What Are the Key Risks for HTH?
- Financial-distress signal — its Altman Z-Score of 0.35 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn impacting loan demand and credit quality.
- Regulatory changes increasing compliance costs.
- Increased competition from larger national banks and fintech companies.
What Are the Growth Opportunities for HTH?
- Expansion of Wealth Management Services: Hilltop Holdings can grow its wealth management segment by offering personalized financial planning and investment advisory services. The wealth management market is expected to grow as the population ages and seeks retirement planning assistance. By leveraging its existing banking relationships and expanding its product offerings, Hilltop can attract new clients and increase assets under management. This expansion can contribute to higher fee income and improved profitability.
- Increased Mortgage Origination Volume: Hilltop Holdings can capitalize on the demand for mortgage loans by expanding its mortgage origination business. With interest rates stabilizing and the housing market showing signs of recovery, there is an opportunity to increase loan volume. By offering competitive rates and a variety of loan products, including conventional, jumbo, FHA, VA, and USDA loans, Hilltop can attract borrowers and increase its market share. This growth can lead to higher revenue and improved profitability.
- Strategic Acquisitions: Hilltop Holdings can pursue strategic acquisitions to expand its geographic footprint and product offerings. By acquiring smaller banks or financial services companies, Hilltop can enter new markets and gain access to new customers and technologies. These acquisitions can create synergies and improve the company's overall efficiency and profitability. Careful due diligence and integration are essential to ensure the success of these acquisitions.
- Digital Transformation Initiatives: Hilltop Holdings can invest in digital transformation initiatives to improve customer experience and streamline operations. By offering online and mobile banking services, Hilltop can attract and retain customers who prefer digital channels. Investing in automation and artificial intelligence can also improve efficiency and reduce costs. These digital initiatives can enhance the company's competitiveness and drive long-term growth.
- Cross-Selling Opportunities: Hilltop Holdings can leverage its diversified business model to cross-sell products and services to its existing customers. By offering banking, broker-dealer, and mortgage origination services under one roof, Hilltop can provide a convenient and comprehensive financial solution for its customers. This cross-selling strategy can increase customer loyalty and generate additional revenue. Effective marketing and training are essential to ensure the success of this strategy.
What Opportunities Does HTH Have?
- Expansion of wealth management services.
- Increased mortgage origination volume.
- Strategic acquisitions to expand geographic footprint.
- Digital transformation initiatives to improve customer experience.
What Threats Does HTH Face?
- Economic downturn impacting loan demand and credit quality.
- Increased competition from larger national banks and fintech companies.
- Regulatory changes increasing compliance costs.
- Cybersecurity risks and data breaches.
What Are HTH's Competitive Advantages?
- Diversified business model spanning banking, broker-dealer, and mortgage origination services.
- Established presence in the Texas market.
- Comprehensive suite of financial products and services.
- Experienced management team.
What Does HTH Do?
Hilltop Holdings Inc., established in 1998 and based in Dallas, Texas, operates as a diversified financial services company. It delivers business and consumer banking, along with a range of financial products and services. The company is structured into three primary segments: Banking, Broker-Dealer, and Mortgage Origination. The Banking segment offers a comprehensive suite of deposit accounts, including savings, checking, and money market accounts, as well as certificates of deposit. It also provides various lending options such as lines and letters of credit, home improvement and equity loans, securities-backed loans, equipment loans and leases, agricultural and commercial real estate loans, and commercial and industrial loans. The segment further supports customers with treasury management, wealth management, asset management, check cards, safe deposit boxes, online banking, bill pay, trust, and overdraft services. The Broker-Dealer segment focuses on public finance, assisting public entities with securities origination, syndication, and distribution. It offers specialized advisory and investment banking services, arbitrage rebate compliance, portfolio management, and local government investment pool administration. Additionally, it provides structured finance services, including advisory services for derivatives and commodities, and engages in the sale, trading, and underwriting of various bonds and securities. The Mortgage Origination segment provides a range of mortgage products, including conventional, jumbo, FHA, VA, and USDA loans. Hilltop Holdings employs 3,616 individuals and maintains a profit margin of 10.1%.
What Products and Services Does HTH Offer?
- Provides business and consumer banking services.
- Offers a variety of deposit accounts, including savings, checking, and money market accounts.
- Provides lending services, including commercial and industrial loans, and real estate loans.
- Offers mortgage origination services, including conventional, jumbo, FHA, VA, and USDA loans.
- Provides public finance services to municipalities and political subdivisions.
- Offers specialized advisory and investment banking services.
- Engages in the sale, trading, and underwriting of various bonds and securities.
- Provides wealth management and asset management services.
How Does HTH Make Money?
- Generates revenue from interest income on loans and other assets.
- Earns fees from providing banking, broker-dealer, and mortgage origination services.
- Underwrites and trades securities, generating revenue from trading profits and commissions.
- Provides wealth management and asset management services, earning fees based on assets under management.
What Industry Does HTH Operate In?
Hilltop Holdings operates in the regional banking sector, which is characterized by increasing competition from both traditional banks and fintech companies. The industry is influenced by interest rate environments, regulatory changes, and economic cycles. The market is seeing a trend towards digital banking and personalized financial services. Hilltop competes with other regional banks and financial institutions. The company's diversified business model, including banking, broker-dealer, and mortgage origination services, positions it to capture opportunities in various segments of the financial services market.
Who Are HTH's Key Customers?
- Businesses seeking banking and financial services.
- Consumers seeking banking, mortgage, and wealth management services.
- Public entities seeking public finance services.
- Investors seeking investment banking and brokerage services.
Company Profile
Hilltop Holdings Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Dallas, US. The company is led by CEO Jeremy Blue Ford. HTH has traded publicly since 2004.
How Hilltop Holdings Inc. Is Valued
Hilltop Holdings Inc. carries a market capitalization of $2.26B, placing it in the mid-cap category. Relative to its peer group, HTH's quantitative score of 38/100 is below the peer average of 71/100.
ROE 7%Key Financial Metrics
Return on equity for Hilltop Holdings Inc. stands at 7.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. HTH trades at a trailing price-to-earnings ratio of 13.94, below the Financial Services sector average of ~18x. Its free cash flow yield is -6.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.88 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 7.0%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 7/9Financial Health
Hilltop Holdings Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.35 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Hilltop Holdings Inc. revenue of about $1.25B for fiscal 2026, with EPS near $2.38. The estimate reflects 3 contributing analysts.
HTH Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future performance, indicating that executives believe the stock is undervalued.
- Community sentiment has shifted positively, with discussions highlighting the company's strong position in the financial services sector.
- Market perception is bolstered by a stable economic environment, which typically benefits financial institutions like Hilltop Holdings.
- Analysts have noted the company's diverse revenue streams, which provide resilience against market fluctuations.
Bear Case
- Some investors express concerns over potential regulatory challenges that could impact profitability in the financial sector.
- Negative sentiment has emerged regarding the overall economic outlook, which could lead to reduced consumer spending and impact earnings.
- Recent discussions in trading forums indicate skepticism about the company's growth potential compared to competitors in the market.
- The stock has faced volatility, raising concerns about investor confidence and the ability to maintain steady performance.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
HTH Latest News
HTH Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for HTH.
Price Targets
Wall Street price target analysis for HTH.
HTH MoonshotScore
What does this score mean?
The MoonshotScore rates HTH's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest Hilltop Holdings Inc. Analysis
Leadership: Jeremy Blue Ford
CEO
Jeremy Blue Ford serves as the CEO of Hilltop Holdings Inc., managing a workforce of 3,616 employees. Information regarding his detailed career history, education, and previous roles is not available in the provided data. Further research would be required to provide a comprehensive background on Mr. Ford's professional experience and credentials.
Track Record: Information about Jeremy Blue Ford's specific achievements, strategic decisions, and company milestones under his leadership is not available in the provided data. Further research would be required to assess his track record and contributions to Hilltop Holdings Inc.
Common Questions About HTH (Financial Services)
What does Hilltop Holdings Inc. do?
Hilltop Holdings Inc. is a diversified financial services company operating through three segments: Banking, Broker-Dealer, and Mortgage Origination. The Banking segment offers a range of deposit and lending products to businesses and consumers. The Broker-Dealer segment provides public finance and investment banking services. The Mortgage Origination segment offers various mortgage loan products. This diversified model allows Hilltop to serve a wide range of clients and generate revenue from multiple sources within the financial services industry.
What do analysts say about HTH stock?
Analyst coverage of Hilltop Holdings Inc. (HTH) is not provided in the source data. Therefore, a neutral summary of analyst consensus, key valuation metrics, and growth considerations cannot be provided. Further research on analyst ratings, price targets, and earnings estimates would be necessary to assess market sentiment and expectations for HTH stock. Investors should consult independent research reports and financial analysis platforms for up-to-date analyst opinions.
What are the main risks for HTH?
Hilltop Holdings faces several key risks inherent to the financial services industry. These include sensitivity to interest rate fluctuations, which can impact lending margins and mortgage demand. Regulatory changes, such as increased capital requirements or compliance costs, can also negatively affect profitability. Additionally, the company faces competition from larger national banks and emerging fintech companies. Economic downturns can lead to decreased loan demand and increased credit losses, impacting overall financial performance.
What are the key factors to evaluate for HTH?
Hilltop Holdings Inc. (HTH) holds an AI score of 38/100 (low). P/E: 13.9x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does HTH data refresh on this page?
HTH prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven HTH's recent stock price performance?
Hilltop Holdings Inc. (HTH) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified revenue streams across banking, broker-dealer, and mortgage origination. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider HTH overvalued or undervalued right now?
Hilltop Holdings Inc. (HTH) trades at 13.9x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying HTH?
Before investing in Hilltop Holdings Inc. (HTH), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- CEO background and track record information is limited.
- Analyst ratings and price targets are not available in the provided data.