HTH Fundamental Analysis - HILLTOP HOLDINGS INC

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to HTH. HTH was compared to 396 industry peers in the Banks industry. HTH has a bad profitability rating. Also its financial health evaluation is rather negative. HTH is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

HTH had positive earnings in the past year.

HTH had a positive operating cash flow in the past year.

In the past 5 years HTH has always 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 0.81%. This is comparable to the rest of the industry: HTH outperforms 49.24% of its industry peers.

Looking at the Return On Equity, with a value of 5.80%, HTH is doing worse than 72.47% of the companies in the same industry.

		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

The Profit Margin of HTH (10.45%) is worse than 84.09% of its industry peers.

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)	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

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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.

HTH has less shares outstanding than it did 1 year ago.

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 4.76. This is a neutral value as HTH would need 4.76 years to pay back of all of its debts.

HTH's Debt to FCF ratio of 4.76 is on the low side compared to the rest of the industry. HTH is outperformed by 69.95% 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 76.77% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.44
Debt/FCF	4.76
Altman-Z	N/A

ROIC/WACCN/A

WACC16.48%

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

The earnings per share for HTH have decreased by -5.85% in the last year.

Measured over the past years, HTH shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.46% on average per year.

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

The Earnings Per Share is expected to grow by 3.21% on average over the next years.

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 18.94, the valuation of HTH can be described as rather expensive.

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

HTH is valuated rather cheaply when we compare the Price/Earnings ratio to 28.04, which is the current average of the S&P500 Index.

Based on the Price/Forward Earnings ratio of 16.45, the valuation of HTH can be described as correct.

Compared to the rest of the industry, the Price/Forward Earnings ratio of HTH indicates a slightly more expensive valuation: HTH is more expensive than 76.26% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 37.64, HTH is valued rather cheaply.

		Industry Rank	Sector Rank
PE	18.94
Fwd PE	16.45

4.2 Price Multiples

HTH's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HTH is cheaper than 66.92% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.62
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

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5. Dividend

5.1 Amount

HTH has a Yearly Dividend Yield of 2.30%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.27, HTH is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.35, HTH has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.3%

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

5.3 Sustainability

HTH pays out 35.12% 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.

DP35.12%

EPS Next 2Y3.21%

EPS Next 3YN/A

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HILLTOP HOLDINGS INC

NYSE:HTH (7/25/2025, 7:00:00 PM)

After market: 30.5 0 (0%)

30.5

-0.09 (-0.29%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-24 2025-04-24/amc

Earnings (Next)07-25 2025-07-25/amc

Inst Owners58.69%

Inst Owner Change-0.11%

Ins Owners29.71%

Ins Owner Change1.87%

Market Cap1.96B

Analysts49.09

Price Target34 (11.48%)

Short Float %3.24%

Short Ratio3.51

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.3%

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)0%

PT rev (3m)-1.96%

EPS NQ rev (1m)0%

EPS NQ rev (3m)13.57%

EPS NY rev (1m)0%

EPS NY rev (3m)-2.1%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.94%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.32%

Valuation

		Industry Rank	Sector Rank
PE	18.94
Fwd PE	16.45
P/S	1.6
P/FCF	9.62
P/OCF	9.37
P/B	0.89
P/tB	1.02
EV/EBITDA	N/A

EPS(TTM)1.61

EY5.28%

EPS(NY)1.85

Fwd EY6.08%

FCF(TTM)3.17

FCFY10.4%

OCF(TTM)3.26

OCFY10.68%

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

WACC16.48%

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

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

More info and screens