HILLTOP HOLDINGS INC (HTH) Stock Fundamental Analysis

NYSE:HTH • US4327481010

38.94 USD
-0.33 (-0.84%)
At close: Feb 17, 2026
38.94 USD
0 (0%)
After Hours: 2/17/2026, 8:21:48 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall HTH gets a fundamental rating of 3 out of 10. We evaluated HTH against 381 industry peers in the Banks industry. HTH may be in some trouble as it scores bad on both profitability and health. HTH is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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.
  • HTH had a positive operating cash flow in 4 of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B

1.2 Ratios

  • HTH's Return On Assets of 1.02% is fine compared to the rest of the industry. HTH outperforms 61.68% of its industry peers.
  • HTH's Return On Equity of 7.29% is on the low side compared to the rest of the industry. HTH is outperformed by 63.78% of its industry peers.
Industry RankSector 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
HTH Yearly ROA, ROE, ROICHTH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • HTH has a Profit Margin of 12.73%. This is amonst the worse of the industry: HTH underperforms 81.10% 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) 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
HTH Yearly Profit, Operating, Gross MarginsHTH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

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
  • HTH has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, HTH has an improved debt to assets ratio.
HTH Yearly Shares OutstandingHTH Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
HTH Yearly Total Debt VS Total AssetsHTH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

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.
  • The Debt to FCF ratio of HTH (5.48) is worse than 73.23% of its industry peers.
  • A Debt/Equity ratio of 0.41 indicates that HTH is not too dependend on debt financing.
  • HTH has a Debt to Equity ratio of 0.41. This is in the lower half of the industry: HTH underperforms 72.70% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.41
Debt/FCF 5.48
Altman-Z N/A
ROIC/WACCN/A
WACC15.11%
HTH Yearly LT Debt VS Equity VS FCFHTH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 22.99% over the past year.
  • HTH shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -14.27% yearly.
  • The Revenue has been growing slightly by 7.83% in the past year.
  • HTH shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -9.53% yearly.
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 2.52% on average per year.
EPS Next Y2.84%
EPS Next 2Y6.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.82%
Revenue Next 2Y2.52%
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.
  • 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
HTH Yearly EPS VS EstimatesHTH Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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2

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 18.20, which indicates a rather expensive current valuation of HTH.
  • HTH's Price/Earnings ratio is a bit more expensive when compared to the industry. HTH is more expensive than 79.53% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.16, HTH is valued a bit cheaper.
  • HTH is valuated rather expensively with a Price/Forward Earnings ratio of 17.69.
  • Based on the Price/Forward Earnings ratio, HTH is valued a bit more expensive than the industry average as 76.38% of the companies are valued more cheaply.
  • HTH is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 18.2
Fwd PE 17.69
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as HTH.
Industry RankSector Rank
P/FCF 14.19
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

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates HTH does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)6.41
PEG (5Y)N/A
EPS Next 2Y6.3%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • HTH has a Yearly Dividend Yield of 2.07%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.78, HTH is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, HTH has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.07%

5.2 History

  • The dividend of HTH is nicely growing with an annual growth rate of 16.28%!
  • HTH has been paying a dividend for at least 10 years, so it has 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 2026 0.2 0.4 0.6

5.3 Sustainability

  • HTH pays out 28.46% 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.
DP28.46%
EPS Next 2Y6.3%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B
HTH Dividend Payout.HTH Dividend Payout, showing the Payout Ratio.HTH Dividend Payout.PayoutRetained Earnings

More info and screens

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HILLTOP HOLDINGS INC

NYSE:HTH (2/17/2026, 8:21:48 PM)

After market: 38.94 0 (0%)

38.94

-0.33 (-0.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners58.32%
Inst Owner Change-1.51%
Ins Owners31.14%
Ins Owner Change2%
Market Cap2.32B
Revenue(TTM)1.28B
Net Income(TTM)159.53M
Analysts49.09
Price Target39.44 (1.28%)
Short Float %2.99%
Short Ratio3.15
Dividend
Industry RankSector Rank
Dividend Yield 2.07%
Yearly Dividend0.68
Dividend Growth(5Y)16.28%
DP28.46%
Div Incr Years8
Div Non Decr Years8
Ex-Date02-13
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)12.62%
EPS NQ rev (1m)0%
EPS NQ rev (3m)29.18%
EPS NY rev (1m)7.5%
EPS NY rev (3m)20.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.08%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)0.56%
Valuation
Industry RankSector Rank
PE 18.2
Fwd PE 17.69
P/S 1.85
P/FCF 14.19
P/OCF 13.88
P/B 1.06
P/tB 1.22
EV/EBITDA N/A
EPS(TTM)2.14
EY5.5%
EPS(NY)2.2
Fwd EY5.65%
FCF(TTM)2.74
FCFY7.05%
OCF(TTM)2.8
OCFY7.2%
SpS21.05
BVpS36.76
TBVpS31.96
PEG (NY)6.41
PEG (5Y)N/A
Graham Number42.07
Profitability
Industry RankSector 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 RankSector 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
WACC15.11%
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 Year1.82%
Revenue Next 2Y2.52%
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 18.2 and the Price/Book (PB) ratio is 1.06.


What is the financial health of HILLTOP HOLDINGS INC (HTH) stock?

The financial health rating of HILLTOP HOLDINGS INC (HTH) is 2 / 10.