HILLTOP HOLDINGS INC (HTH) Stock Fundamental Analysis
NYSE:HTH - New York Stock Exchange, Inc. - US4327481010 - Common Stock - Currency: USD
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.
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.
HTH had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
HTH has a Return On Assets of 0.81%. This is comparable to the rest of the industry: HTH outperforms 48.86% of its industry peers.
HTH has a worse Return On Equity (5.80%) than 72.66% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
HTH has a worse Profit Margin (10.45%) than 83.54% 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) | 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
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.
The number of shares outstanding for HTH has been reduced compared to 5 years ago.
HTH has a better debt/assets ratio than last year.
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.
HTH has a Debt to FCF ratio of 4.76. This is in the lower half of the industry: HTH underperforms 71.39% of its industry peers.
A Debt/Equity ratio of 0.44 indicates that HTH is not too dependend on debt financing.
The Debt to Equity ratio of HTH (0.44) is worse than 76.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 4.76 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.93%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for HTH have decreased by -5.85% in the last year.
HTH shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.46% yearly.
The Revenue has been growing slightly by 2.09% in the past year.
The Revenue has been decreasing by -4.57% on average over the past years.
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
HTH is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.21% yearly.
Based on estimates for the next years, HTH will show a small growth in Revenue. The Revenue will grow by 1.95% on average per year.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
With a Price/Earnings ratio of 19.55, HTH is valued on the expensive side.
HTH's Price/Earnings ratio is a bit more expensive when compared to the industry. HTH is more expensive than 78.23% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.15. HTH is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 16.98, HTH is valued correctly.
76.20% 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 (21.60), we can say HTH is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.55 | ||
| Fwd PE | 16.98 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, HTH is valued a bit cheaper than the industry average as 63.80% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.93 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y3.21%
EPS Next 3YN/A
5. Dividend
5.1 Amount
HTH has a Yearly Dividend Yield of 2.36%.
Compared to an average industry Dividend Yield of 3.47, HTH is paying slightly less dividend.
HTH's Dividend Yield is comparable with the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.36% |
5.2 History
On average, the dividend of HTH grows each year by 16.28%, which is quite nice.
HTH has been paying a dividend for at least 10 years, so it has 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 35.12% of its income as dividend. This is a 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
NYSE:HTH (7/1/2025, 12:40:53 PM)
31.47
+1.12 (+3.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.69%
Inst Owner Change0.46%
Ins Owners29.71%
Ins Owner Change1.88%
Market Cap2.02B
Analysts49.09
Price Target34 (8.04%)
Short Float %3.69%
Short Ratio4.43
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.36% |
Yearly Dividend0.68
Dividend Growth(5Y)16.28%
DP35.12%
Div Incr Years8
Div Non Decr Years8
Ex-Date
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)0%
PT rev (3m)-1.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)15.13%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.02%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.55 | ||
| Fwd PE | 16.98 | ||
| P/S | 1.65 | ||
| P/FCF | 9.93 | ||
| P/OCF | 9.66 | ||
| P/B | 0.92 | ||
| P/tB | 1.05 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.61
EY5.12%
EPS(NY)1.85
Fwd EY5.89%
FCF(TTM)3.17
FCFY10.08%
OCF(TTM)3.26
OCFY10.35%
SpS19.05
BVpS34.28
TBVpS29.91
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC16.93%
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