HTH Fundamental Analysis - HILLTOP HOLDINGS INC

Fundamental Rating

HTH gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. Both the profitability and financial health of HTH have multiple concerns. HTH is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year HTH was profitable.

In the past year HTH had a positive cash flow from operations.

Each year in the past 5 years HTH has been profitable.

In the past 5 years HTH always reported a positive cash flow from operatings.

1.2 Ratios

HTH has a Return On Assets of 0.93%. This is comparable to the rest of the industry: HTH outperforms 56.57% of its industry peers.

Looking at the Return On Equity, with a value of 6.52%, HTH is doing worse than 66.92% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.93%
ROE	6.52%
ROIC	N/A

ROA(3y)0.69%

ROA(5y)1.34%

ROE(3y)5.3%

ROE(5y)10%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

HTH has a Profit Margin of 11.67%. This is in the lower half of the industry: HTH underperforms 79.55% of its industry peers.

In the last couple of years the Profit Margin of HTH has declined.

The Operating Margin and Gross Margin are not available for HTH so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	11.67%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-22.46%

PM growth 5Y-8.69%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

HTH does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, HTH has less shares outstanding

Compared to 5 years ago, HTH has less shares outstanding

HTH has a better debt/assets ratio than last year.

2.2 Solvency

HTH has a debt to FCF ratio of 2.32. This is a good value and a sign of high solvency as HTH would need 2.32 years to pay back of all of its debts.

HTH has a Debt to FCF ratio (2.32) which is in line with its industry peers.

A Debt/Equity ratio of 0.43 indicates that HTH is not too dependend on debt financing.

HTH has a Debt to Equity ratio of 0.43. This is in the lower half of the industry: HTH underperforms 75.25% of its industry peers.

Even though the debt/equity ratio score it not favorable for HTH, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.

		Industry Rank	Sector Rank
Debt/Equity	0.43
Debt/FCF	2.32
Altman-Z	N/A

ROIC/WACCN/A

WACC15.71%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

HTH shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.15%.

HTH shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.46% yearly.

HTH shows a small growth in Revenue. In the last year, the Revenue has grown by 3.67%.

Measured over the past years, HTH shows a decrease in Revenue. The Revenue has been decreasing by -4.57% on average per year.

EPS 1Y (TTM)-1.15%

EPS 3Y-27.73%

EPS 5Y-6.46%

EPS Q2Q%35.48%

Revenue 1Y (TTM)3.67%

Revenue growth 3Y-13.45%

Revenue growth 5Y-4.57%

Sales Q2Q%6.78%

3.2 Future

Based on estimates for the next years, HTH will show a small growth in Earnings Per Share. The EPS will grow by 1.62% on average per year.

The Revenue is expected to grow by 2.48% on average over the next years.

EPS Next Y-3.35%

EPS Next 2Y1.62%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year3.83%

Revenue Next 2Y2.48%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 20.40, the valuation of HTH can be described as rather expensive.

79.80% of the companies in the same industry are cheaper than HTH, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 27.13, HTH is valued a bit cheaper.

HTH is valuated rather expensively with a Price/Forward Earnings ratio of 19.52.

78.03% of the companies in the same industry are cheaper than HTH, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of HTH to the average of the S&P500 Index (22.76), we can say HTH is valued inline with the index average.

		Industry Rank	Sector Rank
PE	20.4
Fwd PE	19.52

4.2 Price Multiples

HTH's Price/Free Cash Flow ratio is rather cheap when compared to the industry. HTH is cheaper than 91.41% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	5.44
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y1.62%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.05%, HTH has a reasonable but not impressive dividend return.

HTH's Dividend Yield is slightly below the industry average, which is at 3.17.

Compared to an average S&P500 Dividend Yield of 2.32, HTH has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.05%

5.2 History

The dividend of HTH is nicely growing with an annual growth rate of 16.28%!

HTH has paid a dividend for at least 10 years, which is a reliable track record.

HTH has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

Dividend Growth(5Y)16.28%

Div Incr Years8

Div Non Decr Years8

5.3 Sustainability

HTH pays out 31.56% of its income as dividend. This is a sustainable payout ratio.

HTH's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP31.56%

EPS Next 2Y1.62%

EPS Next 3YN/A

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HILLTOP HOLDINGS INC

NYSE:HTH (8/29/2025, 8:04:00 PM)

After market: 35.08 0 (0%)

35.08

-0.12 (-0.34%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-22 2025-10-22/amc

Inst Owners59.81%

Inst Owner Change-1.97%

Ins Owners30.27%

Ins Owner Change1.94%

Market Cap2.21B

Analysts49.09

Price Target34 (-3.08%)

Short Float %4.48%

Short Ratio4.23

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.05%

Yearly Dividend0.68

Dividend Growth(5Y)16.28%

DP31.56%

Div Incr Years8

Div Non Decr Years8

Ex-Date08-15 2025-08-15 (0.18)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)2.62%

Min EPS beat(2)-1.11%

Max EPS beat(2)6.34%

EPS beat(4)3

Avg EPS beat(4)30.91%

Min EPS beat(4)-1.11%

Max EPS beat(4)94.48%

EPS beat(8)7

Avg EPS beat(8)29.12%

EPS beat(12)10

Avg EPS beat(12)36.27%

EPS beat(16)13

Avg EPS beat(16)28.89%

Revenue beat(2)2

Avg Revenue beat(2)1.59%

Min Revenue beat(2)0.74%

Max Revenue beat(2)2.45%

Revenue beat(4)3

Avg Revenue beat(4)0.22%

Min Revenue beat(4)-2.85%

Max Revenue beat(4)2.45%

Revenue beat(8)3

Avg Revenue beat(8)-1.72%

Revenue beat(12)6

Avg Revenue beat(12)35.72%

Revenue beat(16)10

Avg Revenue beat(16)93.1%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)11.41%

EPS NQ rev (3m)19.8%

EPS NY rev (1m)10.08%

EPS NY rev (3m)10.08%

Revenue NQ rev (1m)0.23%

Revenue NQ rev (3m)1.59%

Revenue NY rev (1m)0.32%

Revenue NY rev (3m)1.24%

Valuation

		Industry Rank	Sector Rank
PE	20.4
Fwd PE	19.52
P/S	1.8
P/FCF	5.44
P/OCF	5.4
P/B	1.01
P/tB	1.15
EV/EBITDA	N/A

EPS(TTM)1.72

EY4.9%

EPS(NY)1.8

Fwd EY5.12%

FCF(TTM)6.45

FCFY18.38%

OCF(TTM)6.5

OCFY18.53%

SpS19.5

BVpS34.9

TBVpS30.43

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.93%
ROE	6.52%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	11.67%
GM	N/A
FCFM	33.06%

ROA(3y)0.69%

ROA(5y)1.34%

ROE(3y)5.3%

ROE(5y)10%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-22.46%

PM growth 5Y-8.69%

GM growth 3YN/A

GM growth 5YN/A

F-Score9

Asset Turnover0.08

Health

		Industry Rank	Sector Rank
Debt/Equity	0.43
Debt/FCF	2.32
Debt/EBITDA	N/A
Cap/Depr	17.81%
Cap/Sales	0.28%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	283.21%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACC15.71%

ROIC/WACCN/A

Cap/Depr(3y)36.35%

Cap/Depr(5y)76.4%

Cap/Sales(3y)0.69%

Cap/Sales(5y)1.04%

Profit Quality(3y)558.31%

Profit Quality(5y)385.39%

High Growth Momentum

Growth

EPS 1Y (TTM)-1.15%

EPS 3Y-27.73%

EPS 5Y-6.46%

EPS Q2Q%35.48%

EPS Next Y-3.35%

EPS Next 2Y1.62%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)3.67%

Revenue growth 3Y-13.45%

Revenue growth 5Y-4.57%

Sales Q2Q%6.78%

Revenue Next Year3.83%

Revenue Next 2Y2.48%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y264.57%

FCF growth 3Y-28.85%

FCF growth 5YN/A

OCF growth 1Y240.79%

OCF growth 3Y-29.01%

OCF growth 5YN/A

HILLTOP HOLDINGS INC (HTH) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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