HILLTOP HOLDINGS INC (HTH) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HTH - US4327481010 - Common Stock
33.7 USD
-0.24 (-0.71%)
We assign a fundamental rating of 3 out of 10 to HTH. HTH was compared to 388 industry peers in the Banks industry. HTH has a bad profitability rating. Also its financial health evaluation is rather negative. HTH is quite expensive at the moment. It does show a decent growth rate.
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.
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's Return On Assets of 1.02% is fine compared to the rest of the industry. HTH outperforms 62.63% 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 63.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.02% | ||
| ROE | 7.29% | ||
| 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 (12.73%) is worse than 80.93% 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) | 12.73% | ||
| 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.
Compared to 1 year ago, HTH has less shares outstanding
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
HTH has a debt to FCF ratio of 5.48. This is a neutral value as HTH would need 5.48 years to pay back of all of its debts.
The Debt to FCF ratio of HTH (5.48) is worse than 73.45% of its industry peers.
A Debt/Equity ratio of 0.41 indicates that HTH is not too dependend on debt financing.
The Debt to Equity ratio of HTH (0.41) is worse than 73.20% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.41 | ||
| Debt/FCF | 5.48 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.89%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HTH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.70%, which is quite impressive.
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.
Looking at the last year, HTH shows a small growth in Revenue. The Revenue has grown by 6.38% in the last year.
The Revenue has been decreasing by -4.57% on average over the past years.
EPS 1Y (TTM)22.7%
EPS 3Y-27.73%
EPS 5Y-6.46%
EPS Q2Q%60.87%
Revenue 1Y (TTM)6.38%
Revenue growth 3Y-13.45%
Revenue growth 5Y-4.57%
Sales Q2Q%6.99%
3.2 Future
Based on estimates for the next years, HTH will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.56% on average per year.
Based on estimates for the next years, HTH will show a small growth in Revenue. The Revenue will grow by 3.23% on average per year.
EPS Next Y17.83%
EPS Next 2Y8.47%
EPS Next 3Y8.56%
EPS Next 5YN/A
Revenue Next Year5.46%
Revenue Next 2Y3.53%
Revenue Next 3Y3.23%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 16.85, which indicates a correct valuation of HTH.
HTH's Price/Earnings ratio is a bit more expensive when compared to the industry. HTH is more expensive than 75.26% of the companies in the same industry.
HTH is valuated rather cheaply when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 16.46, 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 76.29% of the companies listed in the same industry.
HTH's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.13.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.85 | ||
| Fwd PE | 16.46 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of HTH is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.65 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.94
PEG (5Y)N/A
EPS Next 2Y8.47%
EPS Next 3Y8.56%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.08%, HTH has a reasonable but not impressive dividend return.
HTH's Dividend Yield is slightly below the industry average, which is at 2.74.
HTH's Dividend Yield is comparable with the S&P500 average which is at 2.00.
| 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 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
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 2Y8.47%
EPS Next 3Y8.56%
NYSE:HTH (1/2/2026, 12:34:05 PM)
33.7
-0.24 (-0.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.33%
Inst Owner Change-3.36%
Ins Owners31.15%
Ins Owner Change1.87%
Market Cap2.07B
Revenue(TTM)1.25B
Net Income(TTM)159.53M
Analysts49.09
Price Target36.04 (6.94%)
Short Float %3.08%
Short Ratio3.47
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-DateN/A
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)0%
PT rev (3m)6%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.53%
EPS NY rev (1m)14.82%
EPS NY rev (3m)25.57%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.13%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)0.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.85 | ||
| Fwd PE | 16.46 | ||
| P/S | 1.65 | ||
| P/FCF | 12.65 | ||
| P/OCF | 12.38 | ||
| P/B | 0.94 | ||
| P/tB | 1.09 | ||
| EV/EBITDA | N/A |
EPS(TTM)2
EY5.93%
EPS(NY)2.05
Fwd EY6.07%
FCF(TTM)2.66
FCFY7.9%
OCF(TTM)2.72
OCFY8.08%
SpS20.43
BVpS35.68
TBVpS31.03
PEG (NY)0.94
PEG (5Y)N/A
Graham Number40.07
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)0.69%
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
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 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 | 0.41 | ||
| 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
WACC15.89%
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)22.7%
EPS 3Y-27.73%
EPS 5Y-6.46%
EPS Q2Q%60.87%
EPS Next Y17.83%
EPS Next 2Y8.47%
EPS Next 3Y8.56%
EPS Next 5YN/A
Revenue 1Y (TTM)6.38%
Revenue growth 3Y-13.45%
Revenue growth 5Y-4.57%
Sales Q2Q%6.99%
Revenue Next Year5.46%
Revenue Next 2Y3.53%
Revenue Next 3Y3.23%
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 1Y30.8%
FCF growth 3Y-28.85%
FCF growth 5YN/A
OCF growth 1Y25.1%
OCF growth 3Y-29.01%
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 3 / 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 3 / 10.
Can you provide the PE and PB ratios for HTH stock?
The Price/Earnings (PE) ratio for HILLTOP HOLDINGS INC (HTH) is 16.85 and the Price/Book (PB) ratio is 0.94.
What is the financial health of HILLTOP HOLDINGS INC (HTH) stock?
The financial health rating of HILLTOP HOLDINGS INC (HTH) is 2 / 10.