Hilltop Holdings Inc.
HTH · Price history
Price at last available close
$37.26
−$0.34 (-0.90%) 1M
2026-10-29
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Company & revenue
About Hilltop Holdings Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Hilltop Holdings Inc., a Dallas, Texas-based entity established in 1998, delivers a comprehensive suite of financial products and services, catering to both corporate and individual clients. Its operations are structured into three primary divisions: Banking, Broker-Dealer activities, and Mortgage Origination. The Banking division encompasses a range of deposit products, including checking (both standard and interest-bearing), savings, money market accounts, and certificates of deposit.
How they make money
Hilltop Holdings Inc. operates as a financial holding company that generates revenue primarily through net interest income from its banking operations, mortgage origination fees, and various financial services provided by its broker-dealer subsidiaries. The company earns interest on loans and investment securities while paying interest on deposits and borrowings, and it collects commissions and fees for brokerage, investment banking, and clearing services.
Products & services
Business and consumer banking, residential mortgage lending, securities brokerage, institutional and investment banking, clearing services, and wealth management.
Brands & revenue mix
Primary banking subsidiary providing business and consumer banking services.
Separate brand revenue is not available in this research.Source
Residential mortgage lending subsidiary.
Separate brand revenue is not available in this research.Source
Broker-dealer subsidiary providing investment banking and brokerage services.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Technology and data service providers — Various third-party vendors providing core banking software, data processing, and information technology infrastructure services.Source
Strengths
Sources
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-06-30.
Total debt increased 50.5% versus the same quarter last year.
Compare the added borrowing with available cash, cash generation and maturities. A percentage increase from a small starting balance can look large without measuring the full debt burden.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
53
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
48
Weak
Financial Strength
31
Business Quality / Moat
67
Management
64
Growth Quality
20
Risk / Durability
61
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
55
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
54/100
Building Historical Record
Model Score 54/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Debt service risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for HTH
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving HTH's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •How long can HTH fund negative free cash flow using its current cash position before it may need more debt or new shares?
- •Is HTH's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is HTH's valuation discount tied to a temporary concern or to a longer-term business risk?
- •What does the current fundamental change risk warning mean for the reliability or interpretation of HTH's score?
Essential Investment Snapshot
Wall Street Score
53
Opportunity Score
55
Market Cap
$2.13B
P/E Ratio
13.9
EPS
$2.70
52-Week High
$40.41
52-Week Low
$30.78
Beta
0.87
Intrinsic Value
$56.99
Analyst Target
$42.00
Shares Outstanding
62.7M
Total Revenue
$1.59B
Total Debt
$1.58B
Dividend Yield (TTM)
2.18%
Liquidation Value / Share
$34.39
Dividend / Share (TTM)
$0.80
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for HTH
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Debt service risk
Interest coverage is low (~0.6x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total callsNo personal call yet on HTH.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Diversified financial services business model.
- +Strong capital position and liquidity.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Financial - Conglomerates industry.
- −Interest rate fluctuations affecting net interest margin.
- −Credit risk associated with loan portfolios.
- −Regulatory and compliance risks in the financial services industry.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
49
Aug 14, 2026
Change
+3.8
points
Current Score
53
Oct 1, 2026
Category Changes
HTH increased 3.8 points because Capital improved by 2 points, Valuation improved by 24.7 points, Buffett improved by 2.6 points.
Positive Contributors
- + Capital improved by 2 points
- + Valuation improved by 24.7 points
- + Buffett improved by 2.6 points
Projected Score
Projected Score
50
Projected Change
-3.2 points
Preliminary comparable-period financial changes suggest decline of approximately 3.2 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$37.26
Model Intrinsic Value
$56.99
Difference
−$19.73
-34.6% vs IV
Margin of Safety
34.6%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.59B | $1.63B | $1.54B | $1.50B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $320.6M | $350.7M | $419.5M | $389.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $1.27B | $1.27B | $1.12B | $1.11B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $479.9M | $812.2M | $687.1M | $678.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $1.06B | $1.05B | $967.4M | $964.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $222.9M | $236.8M | $174.2M | $168.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $214.4M | $221.1M | $154.3M | $149.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $314.5M | $343.3M | $418.6M | $371.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $214.4M | $221.1M | $154.3M | $149.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $47.9M | $49.0M | $31.0M | $31.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $161.8M | $165.6M | $113.2M | $109.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $2.70 | $2.64 | $1.74 | $1.69 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 57.86M | 62.70M | 65.04M | 65.04M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 57.95M | 62.71M | 65.05M | 65.05M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$389.0M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.63
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+50.5%
Cash Change
-23.6%
Margin Change
+0.1 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
What Weakened
- Cash position declined
- Debt increased
Potential Score Impact
Positive indicators included EPS growth, net income margin. Pressure indicators included revenue growth, cash levels, debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 0.2%. EPS increased 10.5%. Cash declined 23.6%. Total debt increased 50.5%. Net income margin improved by 0.1 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Financial - ConglomeratesNews
Why Hilltop Holdings Stock Slumped Today
HTH Gains 13.5% So Far This Year: Should You Buy the Stock Now?
HTH's NII Increases 5.6% Y/Y in 1H26: Will the Uptrend Continue?
Canada Pension Plan Investment Board Takes $574,000 Position in Hilltop Holdings Inc. $HTH
Rumor Mill · HTH
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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