Logo image of HTH

HILLTOP HOLDINGS INC (HTH) Stock Fundamental Analysis

NYSE:HTH - New York Stock Exchange, Inc. - US4327481010 - Common Stock - Currency: USD

29.97  +0.35 (+1.18%)

After market: 29.97 0 (0%)

Fundamental Rating

2

HTH gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. HTH may be in some trouble as it scores bad on both profitability and health. HTH has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

In the past year HTH was profitable.
HTH had a positive operating cash flow in the past year.
Each year in the past 5 years HTH has been profitable.
Each year in the past 5 years HTH had a positive operating cash flow.
HTH Yearly Net Income VS EBIT VS OCF VS FCFHTH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B

1.2 Ratios

HTH has a Return On Assets of 0.81%. This is comparable to the rest of the industry: HTH outperforms 49.37% of its industry peers.
The Return On Equity of HTH (5.80%) is worse than 72.15% of its industry peers.
Industry RankSector Rank
ROA 0.81%
ROE 5.8%
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
HTH Yearly ROA, ROE, ROICHTH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

The Profit Margin of HTH (10.45%) is worse than 83.29% of its industry peers.
HTH's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for HTH so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 10.45%
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
HTH Yearly Profit, Operating, Gross MarginsHTH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

More info and screens

2

2. Health

2.1 Basic Checks

HTH does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for HTH has been reduced compared to 1 year ago.
The number of shares outstanding for HTH has been reduced compared to 5 years ago.
The debt/assets ratio for HTH has been reduced compared to a year ago.
HTH Yearly Shares OutstandingHTH Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
HTH Yearly Total Debt VS Total AssetsHTH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

The Debt to FCF ratio of HTH is 4.76, which is a neutral value as it means it would take HTH, 4.76 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.76, HTH is doing worse than 70.63% of the companies in the same industry.
HTH has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
HTH has a Debt to Equity ratio of 0.44. This is in the lower half of the industry: HTH underperforms 76.96% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 4.76
Altman-Z N/A
ROIC/WACCN/A
WACC16.45%
HTH Yearly LT Debt VS Equity VS FCFHTH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HTH Yearly Current Assets VS Current LiabilitesHTH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

More info and screens

3

3. Growth

3.1 Past

The earnings per share for HTH have decreased by -5.85% in the last year.
The Earnings Per Share has been decreasing by -6.46% on average over the past years.
HTH shows a small growth in Revenue. In the last year, the Revenue has grown by 2.09%.
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)-5.85%
EPS 3Y-27.73%
EPS 5Y-6.46%
EPS Q2Q%-30.95%
Revenue 1Y (TTM)2.09%
Revenue growth 3Y-13.45%
Revenue growth 5Y-4.57%
Sales Q2Q%1.44%

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 3.21% on average per year.
The Revenue is expected to grow by 1.95% on average over the next years.
EPS Next Y-12.21%
EPS Next 2Y3.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.55%
Revenue Next 2Y1.95%
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.
HTH Yearly Revenue VS EstimatesHTH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 500M 1B 1.5B 2B
HTH Yearly EPS VS EstimatesHTH Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 18.61, which indicates a rather expensive current valuation of HTH.
Based on the Price/Earnings ratio, HTH is valued a bit more expensive than the industry average as 77.97% of the companies are valued more cheaply.
HTH's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.35.
A Price/Forward Earnings ratio of 16.17 indicates a correct valuation of HTH.
75.95% of the companies in the same industry are cheaper than HTH, based on the Price/Forward Earnings ratio.
HTH's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.20.
Industry RankSector Rank
PE 18.61
Fwd PE 16.17
HTH Price Earnings VS Forward Price EarningsHTH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of HTH indicates a somewhat cheap valuation: HTH is cheaper than 63.29% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.45
EV/EBITDA N/A
HTH Per share dataHTH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y3.21%
EPS Next 3YN/A

More info and screens

5

5. Dividend

5.1 Amount

HTH has a Yearly Dividend Yield of 2.41%.
Compared to an average industry Dividend Yield of 3.45, HTH is paying slightly less dividend.
HTH's Dividend Yield is comparable with the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 2.41%

5.2 History

On average, the dividend of HTH grows each year by 16.28%, which is quite nice.
HTH has paid a dividend for at least 10 years, which is a reliable track record.
As HTH did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)16.28%
Div Incr Years8
Div Non Decr Years8
HTH Yearly Dividends per shareHTH Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

35.12% of the earnings are spent on dividend by HTH. This is a low number and sustainable payout ratio.
The dividend of HTH is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP35.12%
EPS Next 2Y3.21%
EPS Next 3YN/A
HTH Yearly Income VS Free CF VS DividendHTH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B
HTH Dividend Payout.HTH Dividend Payout, showing the Payout Ratio.HTH Dividend Payout.PayoutRetained Earnings

More info and screens

HILLTOP HOLDINGS INC

NYSE:HTH (5/27/2025, 8:04:00 PM)

After market: 29.97 0 (0%)

29.97

+0.35 (+1.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners58.89%
Inst Owner Change0.44%
Ins Owners29.57%
Ins Owner Change1.86%
Market Cap1.92B
Analysts49.09
Price Target34 (13.45%)
Short Float %3.4%
Short Ratio4.07
Dividend
Industry RankSector Rank
Dividend Yield 2.41%
Yearly Dividend0.68
Dividend Growth(5Y)16.28%
DP35.12%
Div Incr Years8
Div Non Decr Years8
Ex-Date05-08 2025-05-08 (0.18)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)50.41%
Min EPS beat(2)6.34%
Max EPS beat(2)94.48%
EPS beat(4)4
Avg EPS beat(4)35.99%
Min EPS beat(4)6.34%
Max EPS beat(4)94.48%
EPS beat(8)7
Avg EPS beat(8)25.37%
EPS beat(12)11
Avg EPS beat(12)38.79%
EPS beat(16)14
Avg EPS beat(16)29.75%
Revenue beat(2)2
Avg Revenue beat(2)0.63%
Min Revenue beat(2)0.53%
Max Revenue beat(2)0.74%
Revenue beat(4)2
Avg Revenue beat(4)-1.19%
Min Revenue beat(4)-3.17%
Max Revenue beat(4)0.74%
Revenue beat(8)2
Avg Revenue beat(8)-2.12%
Revenue beat(12)6
Avg Revenue beat(12)54.28%
Revenue beat(16)10
Avg Revenue beat(16)113.49%
PT rev (1m)-1.96%
PT rev (3m)-1.96%
EPS NQ rev (1m)13.57%
EPS NQ rev (3m)15.13%
EPS NY rev (1m)-2.1%
EPS NY rev (3m)-2.69%
Revenue NQ rev (1m)1.94%
Revenue NQ rev (3m)2.02%
Revenue NY rev (1m)1.39%
Revenue NY rev (3m)1.22%
Valuation
Industry RankSector Rank
PE 18.61
Fwd PE 16.17
P/S 1.57
P/FCF 9.45
P/OCF 9.2
P/B 0.87
P/tB 1
EV/EBITDA N/A
EPS(TTM)1.61
EY5.37%
EPS(NY)1.85
Fwd EY6.18%
FCF(TTM)3.17
FCFY10.58%
OCF(TTM)3.26
OCFY10.87%
SpS19.05
BVpS34.28
TBVpS29.91
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.81%
ROE 5.8%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 10.45%
GM N/A
FCFM 16.65%
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 RankSector Rank
Debt/Equity 0.44
Debt/FCF 4.76
Debt/EBITDA N/A
Cap/Depr 28.09%
Cap/Sales 0.45%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 159.36%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC16.45%
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)-5.85%
EPS 3Y-27.73%
EPS 5Y-6.46%
EPS Q2Q%-30.95%
EPS Next Y-12.21%
EPS Next 2Y3.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.09%
Revenue growth 3Y-13.45%
Revenue growth 5Y-4.57%
Sales Q2Q%1.44%
Revenue Next Year2.55%
Revenue Next 2Y1.95%
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 1Y-70.21%
FCF growth 3Y-28.85%
FCF growth 5YN/A
OCF growth 1Y-69.82%
OCF growth 3Y-29.01%
OCF growth 5YN/A