HILLTOP HOLDINGS INC (HTH) Stock Fundamental Analysis
NYSE:HTH • US4327481010
38.49 USD
-0.29 (-0.75%)
Last: Feb 23, 2026, 10:01 AM
Taking everything into account, HTH scores 3 out of 10 in our fundamental rating. HTH was compared to 379 industry peers in the Banks industry. HTH has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, HTH is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- HTH had positive earnings in the past year.
- In the past year HTH had a positive cash flow from operations.
- HTH had positive earnings in each of the past 5 years.
- HTH had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- The Return On Assets of HTH (1.02%) is better than 61.48% of its industry peers.
- Looking at the Return On Equity, with a value of 7.29%, HTH is doing worse than 64.12% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.02% | ||
| ROE | 7.29% | ||
| ROIC | N/A |
ROA(3y)0.8%
ROA(5y)1.02%
ROE(3y)5.99%
ROE(5y)7.67%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 12.73%, HTH is doing worse than 81.27% of the companies in the same industry.
- HTH's Profit Margin has declined in the last couple of years.
- HTH does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 12.73% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y13.84%
PM growth 5Y-9.41%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- HTH does not have a ROIC to compare to the WACC, probably because it is not profitable.
- HTH has less shares outstanding than it did 1 year ago.
- HTH has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for HTH has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of HTH is 5.48, which is a neutral value as it means it would take HTH, 5.48 years of fcf income to pay off all of its debts.
- With a Debt to FCF ratio value of 5.48, HTH is not doing good in the industry: 73.09% of the companies in the same industry are doing better.
- HTH has a Debt/Equity ratio of 0.41. This is a healthy value indicating a solid balance between debt and equity.
- HTH's Debt to Equity ratio of 0.41 is on the low side compared to the rest of the industry. HTH is outperformed by 73.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.41 | ||
| Debt/FCF | 5.48 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.18%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 22.99% over the past year.
- The earnings per share for HTH have been decreasing by -14.27% on average. This is quite bad
- The Revenue has been growing slightly by 7.83% in the past year.
- The Revenue has been decreasing by -9.53% on average over the past years.
EPS 1Y (TTM)22.99%
EPS 3Y9.72%
EPS 5Y-14.27%
EPS Q2Q%25.45%
Revenue 1Y (TTM)7.83%
Revenue growth 3Y-0.25%
Revenue growth 5Y-9.53%
Sales Q2Q%6.68%
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 6.30% on average per year.
- Based on estimates for the next years, HTH will show a small growth in Revenue. The Revenue will grow by 2.28% on average per year.
EPS Next Y2.84%
EPS Next 2Y6.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.49%
Revenue Next 2Y2.28%
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 17.99 indicates a rather expensive valuation of HTH.
- Based on the Price/Earnings ratio, HTH is valued a bit more expensive than 79.16% of the companies in the same industry.
- HTH's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.99.
- The Price/Forward Earnings ratio is 17.49, which indicates a rather expensive current valuation of HTH.
- HTH's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. HTH is more expensive than 76.25% of the companies in the same industry.
- HTH is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.02, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.99 | ||
| Fwd PE | 17.49 |
4.2 Price Multiples
- HTH's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.03 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)6.33
PEG (5Y)N/A
EPS Next 2Y6.3%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- HTH has a Yearly Dividend Yield of 2.08%.
- Compared to an average industry Dividend Yield of 2.74, HTH is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.81, HTH has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.08% |
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.
- 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
- 28.46% of the earnings are spent on dividend by HTH. This is a low number and sustainable payout ratio.
- HTH's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP28.46%
EPS Next 2Y6.3%
EPS Next 3YN/A
NYSE:HTH (2/23/2026, 10:01:52 AM)
38.49
-0.29 (-0.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29 2026-01-29/amc
Earnings (Next)04-22 2026-04-22
Inst Owners58.32%
Inst Owner Change-3.56%
Ins Owners31.14%
Ins Owner Change1.17%
Market Cap2.29B
Revenue(TTM)1.28B
Net Income(TTM)159.53M
Analysts49.09
Price Target39.44 (2.47%)
Short Float %2.99%
Short Ratio3.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.08% |
Yearly Dividend0.68
Dividend Growth(5Y)16.28%
DP28.46%
Div Incr Years8
Div Non Decr Years8
Ex-Date02-13 2026-02-13 (0.2)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)24.21%
Min EPS beat(2)-1.11%
Max EPS beat(2)49.53%
EPS beat(4)3
Avg EPS beat(4)37.31%
Min EPS beat(4)-1.11%
Max EPS beat(4)94.48%
EPS beat(8)7
Avg EPS beat(8)32.96%
EPS beat(12)10
Avg EPS beat(12)29.89%
EPS beat(16)13
Avg EPS beat(16)29.43%
Revenue beat(2)2
Avg Revenue beat(2)1.87%
Min Revenue beat(2)1.29%
Max Revenue beat(2)2.45%
Revenue beat(4)4
Avg Revenue beat(4)1.25%
Min Revenue beat(4)0.53%
Max Revenue beat(4)2.45%
Revenue beat(8)4
Avg Revenue beat(8)-1.32%
Revenue beat(12)6
Avg Revenue beat(12)20.95%
Revenue beat(16)10
Avg Revenue beat(16)71.39%
PT rev (1m)9.43%
PT rev (3m)9.43%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)7.23%
EPS NY rev (3m)20.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.08%
Revenue NY rev (1m)-0.15%
Revenue NY rev (3m)0.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.99 | ||
| Fwd PE | 17.49 | ||
| P/S | 1.83 | ||
| P/FCF | 14.03 | ||
| P/OCF | 13.72 | ||
| P/B | 1.05 | ||
| P/tB | 1.2 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.14
EY5.56%
EPS(NY)2.2
Fwd EY5.72%
FCF(TTM)2.74
FCFY7.13%
OCF(TTM)2.8
OCFY7.29%
SpS21.05
BVpS36.76
TBVpS31.96
PEG (NY)6.33
PEG (5Y)N/A
Graham Number42.07
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.02% | ||
| ROE | 7.29% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 12.73% | ||
| GM | N/A | ||
| FCFM | 13.04% |
ROA(3y)0.8%
ROA(5y)1.02%
ROE(3y)5.99%
ROE(5y)7.67%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y13.84%
PM growth 5Y-9.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.41 | ||
| Debt/FCF | 5.48 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 20.67% | ||
| Cap/Sales | 0.29% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 102.41% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC15.18%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)22.99%
EPS 3Y9.72%
EPS 5Y-14.27%
EPS Q2Q%25.45%
EPS Next Y2.84%
EPS Next 2Y6.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.83%
Revenue growth 3Y-0.25%
Revenue growth 5Y-9.53%
Sales Q2Q%6.68%
Revenue Next Year1.49%
Revenue Next 2Y2.28%
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-59.72%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-59.68%
OCF growth 3YN/A
OCF growth 5YN/A
HILLTOP HOLDINGS INC / HTH FAQ
What is the fundamental rating for HTH stock?
ChartMill assigns a fundamental rating of 3 / 10 to HTH.
Can you provide the valuation status for HILLTOP HOLDINGS INC?
ChartMill assigns a valuation rating of 2 / 10 to HILLTOP HOLDINGS INC (HTH). This can be considered as Overvalued.
How profitable is HILLTOP HOLDINGS INC (HTH) stock?
HILLTOP HOLDINGS INC (HTH) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for HTH stock?
The Price/Earnings (PE) ratio for HILLTOP HOLDINGS INC (HTH) is 17.99 and the Price/Book (PB) ratio is 1.05.
What is the financial health of HILLTOP HOLDINGS INC (HTH) stock?
The financial health rating of HILLTOP HOLDINGS INC (HTH) is 2 / 10.